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Industries · e-commerce

E-commerce books, payouts grossed back up.

Monthly bookkeeping: $550–$1,800/mo

Channel payouts rebuilt to real sales, fees and refunds split out, inventory and COGS tracked so margin is real, and multi-state sales tax kept straight. Bookkeeping built for sellers whose bank deposit is never the whole story.

Payouts grossed up · fees & refunds split · COGS tracked · multi-channel sales tax. Fixed-fee, CPA-ready.

Channel payouts reconciled Real margin, real COGS

Reviewed before delivery: a documented check proves the accounts against their statements and puts open items in writing. How it works.

SHOPIFY AMAZON STRIPE DEPOSIT, GROSSED UP Gross sales − platform fees − refunds − reserve held

Quick answer

An online seller's bank deposit is a net number: gross sales minus platform fees, refunds, chargebacks and reserves. E-commerce bookkeeping rebuilds each payout to real sales before revenue or margin means anything. If a payout is booked as sales, revenue is understated and the fees vanish from the P&L. Landed cost is matched to each sale through COGS.

Included in monthly bookkeeping ($550–$1,800 a month); your exact fee is scoped in writing. Sales channels and payout streams to reconcile are the main lever for an online seller. What the ranges cover.

The reality of seller books

The deposit lies; the books have to tell the truth.

Every platform hands you a tidy net payout and hopes you'll treat it as sales. Do that and three things break at once: your revenue is understated, the platform's fees vanish from view, and your gross margin — the one number that says whether the business model works — becomes a guess. The first job of e-commerce books is to refuse the shortcut and rebuild every payout to gross.

From there it's the parts that decide profitability: inventory and COGS tracked so margin is real, refunds and chargebacks recorded honestly, and sales tax handled across marketplaces and your own channels. Connector tools can move the data; the accounting behind them still has to be right, and that's the part we own.

Reconciled monthly, closed on a fixed date, reported with real margin visible, and sales tax kept straight.

Payouts grossed up

Every channel deposit rebuilt to gross sales, fees, refunds, and reserves — so revenue and fees are both real.

Inventory & COGS tracked

Landed cost and cost of goods recognized against the right sales, so gross margin is a number you know.

Multi-channel sales tax

Marketplace-collected tax recorded without double-counting, own-channel tax tracked, registration coordinated with your CPA.

Worked example · one payout

One marketplace payout, taken apart line by line.

The deposit is where reconciliation ends, not where the bookkeeping starts. Here is a single payout rebuilt from the platform's settlement report, the way the monthly close records it.

Illustrative example — not client data. Assumptions stated.

One illustrative marketplace payout, line by line, from gross sales to the bank deposit
Line on the settlement reportAmountWhere it goes in the books
Gross sales for the period$8,240.00Sales, marketplace channel
Marketplace and referral fees−$1,236.00Selling fees (expense)
Payment processing fees−$247.20Merchant fees (expense)
Refunds to buyers−$389.50Refunds and returns (reduces sales)
Reserve held back by the marketplace−$620.00Marketplace reserve receivable (asset)
Deposit to the bank$5,747.30Matched to the bank statement line
  1. Start from the report, not the bank line. Revenue is the $8,240.00 of gross sales, so channel margin can be measured against it.
  2. Fees go to expense. The $1,236.00 and $247.20 add up to $1,483.20, the real cost of selling on this channel for the period.
  3. Refunds reduce sales through their own account, so the $389.50 shows up as returns instead of quietly shrinking the sales figure.
  4. The reserve is still the seller's money. The $620.00 becomes a receivable from the marketplace; when a later payout releases it, the release clears that receivable instead of counting as new sales.
  5. The check: the five lines net to $5,747.30, the exact amount on the bank statement. Booked as a single sales figure, the deposit would understate sales by $2,492.70 and hide the fees and the reserve.
$8,240.00−$1,236.00−$247.20 −$389.50−$620.00$5,747.30 Gross sales Marketplacefees Processingfees Refunds Reserveheld Bankdeposit
Figure data as a table
One illustrative marketplace payout, from gross sales to the bank deposit
StepAmount
Gross sales$8,240.00
Marketplace fees−$1,236.00
Processing fees−$247.20
Refunds−$389.50
Reserve held back−$620.00
Bank deposit$5,747.30
The same payout as a waterfall: the bank sees only the last bar. The close records every bar before it, so sales, selling costs and money still held by the marketplace each land in their own account.

Assumptions:

  • One marketplace, one payout period and one bank deposit; every figure is invented.
  • The marketplace collects and remits sales tax on these orders, so tax sits outside the payout.
  • Cost of goods sold is posted separately, from inventory records, not from the payout.
  • The reserve is released in a later payout.

FAQ · Updated October 2026

Online sellers ask us these.

The number that hits your bank is not your sales. Shopify, Amazon, Stripe, and the rest pay you a net figure — gross sales minus their fees, minus refunds, minus chargebacks, minus reserves they're holding — on each platform's own payout schedule, and sometimes across several channels at once. Record that deposit as revenue and you've understated your sales, hidden your fees, and lost your real margin in one move. E-commerce books have to gross every payout back up to the truth before they mean anything.
Channel by channel, back to gross. For each platform we take the payout and rebuild it: gross sales, then platform and processing fees, refunds and returns, chargebacks, and any reserve or hold — each to its own account — so the deposit reconciles to what actually happened. Done that way, your revenue is real, your fees are visible as the cost they are, and a multi-channel seller can finally see which channel actually makes money rather than just which one deposits the largest sums.
As the heart of whether you're actually profitable. For a product business, gross margin lives or dies on tracking what inventory costs landed (product, shipping in, duties) and recognizing cost of goods sold against the sales it belongs to — not expensing inventory when you buy it and guessing at margin later. We set the books up so COGS and inventory are tracked properly, which is the difference between knowing your margin and hoping for it. Tools like A2X or similar can feed the channel data; we make the accounting behind them correct.
Yes — and online selling makes it genuinely tricky. Big marketplaces generally collect and remit sales tax for sales made through them under marketplace-facilitator rules, but sales through your own website are yours to handle, and economic-nexus thresholds can create an obligation in states you've never set foot in. We record marketplace-collected tax so it isn't double-counted, track your own-channel sales tax as the liability it is, and coordinate with your CPA on where you actually have to register. Our sales-tax support page covers the multi-state mechanics.
For a product business carrying inventory, accrual tells the truer story, because it matches the cost of a product to the sale it produced instead of to whenever you happened to buy stock. That's what makes margin and profitability real rather than lumpy. Some smaller sellers manage on cash and file on cash; we can prepare either, show you the difference for your business, and coordinate with your CPA on the basis your tax filing requires.

Know your real margin

Get e-commerce books that show the whole story.

We review how your channels are recorded and scope a fixed monthly fee to run them right — payouts grossed up, COGS tracked, sales tax straight. The review costs nothing.

Payouts reconciled to gross Real margin & COGS Fixed fee, in writing