Founder-led beta, built from 25 years of accounting systems experience.
Several months of ERP depth, rebuilt as a lightweight reconciliation engine.
I spent months turning 25 years of accounting and ERP internals into an ingestion-and-reconciliation engine for e-commerce and SaaS startups. The premise is simple: a founder's financial truth is scattered across Stripe, banks, Shopify, Amazon, and ad platforms, and nothing reconciles them into one correct ledger.
Current stage
Early beta
Design partners
2 startups
Live integrations
Stripe · Plaid · QBO
Next up
Bank → QBO, Shopify, Amazon
Founder build note
ERP-grade discipline for startup data.
Having implemented the big ERPs from the inside, including SAP, Oracle, NetSuite, PeopleSoft, and Dynamics, and as a QuickBooks-certified ProAdvisor with an accountant account, I stripped the double-entry core down to what a startup actually needs and rebuilt it as a lightweight pipeline.
The live beta is running with two design-partner startups: an AI SaaS product and a Shopify e-commerce brand. Plaid bank feeds and Stripe are live today, with accounting rules for charges, refunds, disputes, payouts, and fees mapped into balanced double-entry postings through an accountant-configurable rules engine.
QuickBooks Online is live: every Stripe event becomes a balanced journal entry that a dedicated QBO connector posts straight into QuickBooks, end to end. Bank transactions run through the same path next; Shopify and Amazon follow.
Build stack
Next.js, Python, and Firestore.
Connectors normalize every source into a canonical transaction model.
Stable dedupe keys make retries, webhook replays, and backfills idempotent.
Accounting rules map raw events into balanced debit and credit postings, enforced to balance and never posted twice.
A dedicated QBO connector posts each journal entry into QuickBooks Online, closing the loop into the books.
Dedicated clearing accounts give every settlement and deposit a place to land, so settlement-to-deposit matching is a short build on the existing framework.
Analytics compute from the reconciled ledger, not raw source data.
Ingestion
Every source payload lands in one source-agnostic model before downstream logic touches it.
Rules
Stripe events become correct, balanced journal entries instead of raw rows, then post into QuickBooks Online through a dedicated connector.
Reconciliation
Gross, fees, refunds, payouts, and bank deposits each land in dedicated clearing accounts, so they tie out cleanly and the books stay audit-ready.
The hard part was never the UI. It was making disparate, eventually consistent financial data converge into one idempotent, correct, self-reconciling ledger. That is the gap between a dashboard that draws charts and a system of record a founder, and their auditor, can trust.
eCommerce & SaaS Startups: Take Control of Your Accounting & Financial Operations
Built for DTC brands, Amazon FBA sellers, marketplaces, and SaaS—reconcile settlements, build P&L from raw data, and stay audit-ready.
Automatically reconcile payments, manage creator payouts, and stay compliant with multi-state tax rules—without spreadsheets or month-end chaos.
Only 20 spots available for founding partners
Works with the tools you use
Built by a Licensed CPA Who's Been in Your Shoes
pmsox.io was created by a licensed CPA with 25+ years of experience as a CFO, Head of Internal Audit, and ERP implementer across SAP, Oracle, NetSuite, PeopleSoft, and Dynamics. After watching startups, scale-ups, and marketplaces drown in spreadsheets and delayed month-end reconciliations, I distilled the posting-rules architecture of a large ERP into a lightweight layer built for them: an accountant-configurable rules engine that turns every Stripe event into a balanced journal entry and posts it into QuickBooks Online automatically.
We don't replace your accounting system—we feed it correct, balanced, never-duplicated entries and keep every dollar traceable from charge to settlement to bank deposit. No more black boxes. No more "where did that transaction go?"
If you're running a SaaS or eCommerce business, I speak your language—and your accountant's.
The Problem with Traditional Methods
Sales, refunds, disputes, and COGS live in different systems—so you can't trust your numbers or get decision-grade profitability.
You Don't Trust Your Numbers
Revenue that doesn't match Stripe. Margins that change depending on the report. Disputes and refunds that "disappear" from profitability. The dashboard is about confidence, not just visuals.
Disputes Break Your Margin Math
Most dashboards ignore chargebacks or treat them as simple refunds. Product already shipped means COGS is gone—fees plus lost revenue make true margin worse than reported. You don't know your real post-dispute profitability.
No Clean Order-Level Linkage
Struggling to match Stripe disputes to internal orders? Partial refunds, multiple payments, and retries make it worse. Without order-level linkage, you can't see which SKUs are actually causing losses—SKU margin is fiction.
Cohort Analysis Is Missing or Misleading
You want refund rate by cohort, dispute rate by cohort, LTV vs risk. Instead you get top-line cohort revenue with no adjustment for downstream refunds and disputes—so you can't tell which cohorts are good vs toxic.
SKU-Level COGS Isn't Wired Right
COGS data exists but isn't normalized by SKU, tied to refunds and disputes, or time-aligned with revenue. Your "best-selling" SKUs may actually be margin killers.
Manual Work Doesn't Scale
CSV exports, spreadsheet hacks, one-off calculations. You need automated refresh, a model that survives growth, and something that doesn't break every month—not more manual cleanup.
Surface-Level Dashboards Don't Cut It
You need more than pretty charts. If it can't explain how the numbers are built, doesn't understand ecommerce economics, or treats disputes like simple refunds—it't not decision-grade.
No Early Warning on Bad Cohorts or SKUs
By the time you see which customer segments or products are margin killers, it's too late. You need signals that flag toxic cohorts and loss-making SKUs before they scale.
Amazon Settlement & P&L Chaos
Reconciling Amazon settlements—including the end-of-month split—building P&L and Balance Sheet from bank statements, Seller Central reports, and SKU-level COGS from scratch turns into a last-minute, consultant-heavy nightmare.
Our Solution
Not just a dashboard—correct unit economics, decision-grade profitability, and early warning signals for bad cohorts, SKUs, and channels. So you can trust your numbers.
Decision-Grade Profitability
We automate the linkage between Stripe, orders, refunds, and disputes—so margins and cohort analysis reflect reality. No surface-level visuals; we understand ecommerce economics and how the numbers are built.
- COGS & Fulfillment Tracking
Track manufacturing, shipping, packaging, and fulfillment costs at the unit level
- Contribution Margin Analysis
Calculate true profitability after COGS, refunds, discounts, and ad spend
- Ad Spend Attribution
Connect Google, Meta, and TikTok ads to calculate CAC, ROAS, and break-even metrics
- Payment Reconciliation
Automatically match transactions across Shopify, Stripe, PayPal, and bank accounts
- Amazon FBA: Settlements & P&L
Reconcile Amazon settlements (including end-of-month split), categorize bank/CC transactions, and deliver professional P&L and Balance Sheet from Seller Central + SKU-level COGS
- Month-over-Month Profitability
Build automated profitability models by month and by channel
Seamless Integrations
Connect with your existing tech stack for a unified financial ecosystem
Works with
- ShopifyQ1
- WooCommerce
- Custom Platforms
- Settlement reconciliation
- End-of-month split handling
- P&L & Balance Sheet from raw data
- Bank/CC + SKU-level COGS
- StripeLive
- PayPalSoon
- Meta (Facebook/IG)
- Google Ads
- TikTok Ads
- QuickBooks OnlineLive
- Xero
- NetSuite
- ShipBob
- Deliverr
- Custom 3PLs
- Supplier Invoices
- Manufacturing Data
- SKU-level Costs
- TaxJar
- Avalara
- Multi-state Filing
- Bank Account SyncLive
- Transaction Feeds
- Auto-reconciliationNext
Automated Features
Powerful automation that transforms your financial operations
Daily Reconciliations
Automatically match and reconcile transactions across all your payment processors and internal systems.
Journal Entries
Generate clean, audit-ready journal entries and post them directly to your accounting system.
Sales Tax Aggregation
Automatically calculate and aggregate sales tax by state, county, and locality for accurate reporting.
Internal Controls
Built-in internal controls over financial reporting (ICOFR) to ensure compliance and reduce risk.
SOC Compliance
SOC 1 & SOC 2 readiness built into your financial processes, making audits straightforward.
Creator Payouts
Automate payments to creators, vendors, and partners with complete tracking and reconciliation.
COGS Tracking
Track manufacturing, materials, and production costs at the SKU level for accurate unit economics.
Fulfillment Costs
Capture shipping, packaging, and 3PL fees to understand your true landed cost per order.
Contribution Margin
Calculate true profitability after revenue, COGS, refunds, discounts, and variable costs.
Ad Spend Analytics
Connect Google, Meta, and TikTok ads to calculate CAC, ROAS, and break-even metrics by channel.
Profitability Models
Build automated month-over-month profitability reports with insights by channel, product, and time period.
Founding Beta Partner Program
Get early access to the platform that automates reconciliation, sales tax aggregation, and journal entry generation for Stripe, Shopify, Amazon FBA, banks, QuickBooks, TaxJar, and Avalara.
In addition to 6 months of free platform access and a 50% lifetime discount, you'll also receive personalized weekly financial coaching from our founder—a CPA with 25 years of experience in accounting systems, ERP implementation, and SaaS growth.
What You'll Get
- Free for 6 Months — Full access to our beta platform
- 50% Lifetime Discount — Locked in when beta ends
- 1-on-1 Financial Strategy Call — Tailored financial ops advice for your SaaS/eCom business
- Slack/Email Access to Founder — Direct feedback and support
- Founding Partner Recognition — Badge + early access to roadmap
Claim Your Spot
18/20 leftApply now to join our beta and get hands-on help building the financial systems your startup needs to scale—with zero spreadsheet chaos.
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