Scale on revenue your bank has already confirmed.
TrueRevenue follows every order to the deposit that cleared your account and names every fee, return, reserve and chargeback along the way — so you spend, budget, borrow and raise against a figure that is already true.
Connects to everywhere you sell
AmazonWalmartStripePayPalSSquareKKlarnaAAfterpay
ChatGPT
Claude
Perplexity
Copilot
PlaidWhy don’t Shopify sales and payouts match your bank deposits?
Shopify sales usually will not equal one bank deposit because processors batch orders into payouts and subtract or adjust fees, refunds, disputes, reserves, and timing differences. Reconcile from the bank deposit back to the processor payout, then from the payout to its included transactions instead of trying to match every sale directly to the bank. TrueRevenue follows reported commerce revenue through payout and bank settlement.
Know exactly what you earned — and put it to work.
Your platforms report the activity. Your bank reports the money. Truence walks the whole path between them, names every line along the way, and hands you one figure you can commit capital against today.
Everything TrueRevenue does, on your real settlements.
Two halves of the same engine: confirm what you earned, then reconcile the money that arrived.
Verify the revenue
See what you actually earned, beside what the platforms said.
Truence puts the bank-settled figure next to the platform-reported one for the same period, so the difference between them is a number you can read.
- Both series drawn from the same dates, never blended
- The difference named to the dollar, month by month
- Every figure opens to the settlement row behind it
Revenue Verification
Match your settlements to bank deposits
Know exactly what was taken out, and by whom.
Fees, returns, reserves and chargebacks are each read from the settlement file itself, then itemised against the payout they came out of.
- Processor and platform fees separated, not merged
- Returns netted per order rather than at a blended rate
- Reserves and chargebacks each carry their own line
Deductions
Match your settlements to bank deposits
- Processor feesStripe · read per line−$9,400
- Platform feesShopify + Amazon settlement files−$11,780
- Returns and refundsNetted per order−$18,420
- Chargebacks9 cases, each itemised−$4,840
Every fee named, at the rate it was actually charged.
Processing, cross-border, commission and fulfilment fees each carry their own line, read from the settlement file rather than estimated at a blended rate.
- Five fee types separated across three processors
- Transaction counts stated beside every amount
- Each line traceable to the settlement it came from
Deductions
Match your settlements to bank deposits
| Fee ID | Source | Fee type | Transactions | Amount | Read from |
|---|---|---|---|---|---|
| fee_44120 | Stripe | Processing 2.9% + 30¢ | 4,180 | −$7,420 | Settlement file |
| fee_44121 | Stripe | Cross-border | 612 | −$1,980 | Settlement file |
| fee_44122 | Shopify | Platform commission | 3,410 | −$5,240 | Settlement file |
| fee_44123 | Amazon | Referral fee | 2,880 | −$3,530 | Settlement file |
| fee_44124 | Amazon | FBA fulfilment | 2,880 | −$3,010 | Settlement file |
- Processor feesStripe · read per line−$9,400
- Platform feesShopify + Amazon settlement files−$11,780
- Returns and refundsNetted per order−$18,420
- Chargebacks9 cases, each itemised−$4,840
One confirmed figure across everywhere you sell.
Direct, marketplace, subscription, wholesale, retail and agent checkouts each settle on their own cycle. Truence reads each on its own terms and reports them as one number.
- Marketplace settlement files read on their own cycle
- Retail batches and wholesale invoices matched on receipt
- Agent checkouts scored before payout and settled the same way
Overview
Match your settlements to bank deposits
- Shopify · direct3 storefronts, one processor$442,400
- Amazon · marketplaceSettlement files on a 14-day cycle$388,200
- Stripe · subscriptionsRecurring, daily payout$214,800
- Wholesale · invoicesNet 30, matched on receipt$71,000
- Retail · in personCard present, batched daily$41,000
- Agent checkoutsScored pre-payout across 4 surfaces$71,640
Reconcile the money
Follow every payout until it lands.
Each payout carries a state — matched, reassembled, held or partial — so you always know where every dollar stands today.
- Held reserves followed until they release
- Partial payouts keep their outstanding balance
- Nothing is set aside or rounded off
Payout Reconciliation
Match your settlements to bank deposits
- Matched214
- Reassembled12
- Held7
- Partial3
- Processor feesStripe · read per line−$9,400
- Platform feesShopify + Amazon settlement files−$11,780
- Returns and refundsNetted per order−$18,420
- Chargebacks9 cases, each itemised−$4,840
Reconcile line by line, including the payout that arrives in pieces.
One settlement arriving as three deposits is the case that defeats naive matching, so Truence reassembles it before anything is counted.
- Split settlements stitched back to one payout
- Sent against received, stated for every settlement
- Period variance resolved on screen at $0.00
Payout Reconciliation
Match your settlements to bank deposits
- Deposit 1 · Chase ··· 4417$31,200
- Deposit 2 · Chase ··· 4417$24,980
- Deposit 3 · Chase ··· 4417$23,080
- Matched214
- Reassembled12
- Held7
- Partial3
| Settlement ID | Order period | Provider | Gross sales | Expected payout | Reserve held | Returns | Net payout | Bank received | Variance | Status |
|---|---|---|---|---|---|---|---|---|---|---|
| stl_9f4c21 | Weeks 1–2 | Shopify | $63,690 | $56,380 | $2,180 | −$1,240 | $56,380 | $56,380 | $0.00 | Matched |
| stl_9f4d07 | Weeks 1–2 | Stripe | $41,220 | $38,940 | — | −$860 | $38,940 | $38,940 | $0.00 | Matched |
| stl_9f4e88 | Weeks 2–3 | Amazon | $88,410 | $79,260 | $6,100 | −$2,180 | $79,260 | $79,260 | $0.00 | Reassembled |
| stl_9f5012 | Weeks 2–3 | Shopify | $52,880 | $49,110 | $1,420 | −$1,090 | $49,110 | $49,110 | $0.00 | Matched |
| stl_9f5164 | Weeks 3–4 | Stripe | $37,450 | $34,980 | $1,180 | −$640 | $34,980 | $21,400 | Outstanding $13,580 | Partial |
Every case followed to the payout it came out of — and every win posted back.
Chargebacks arrive weeks after the order and are withdrawn from a later deposit. Truence matches each case back to the payout it was taken from.
- Nine cases, each carrying its own reason and amount
- Matched to the deposit the money left from
- Recoveries posted back when the case is won
Deductions
Match your settlements to bank deposits
- cbk_2201 · Shopify · Card not recognised−$1,240
- cbk_2204 · Stripe · Item not received−$890
- cbk_2209 · Amazon · A-to-z claim−$1,610
- cbk_2212 · Stripe · Duplicate charge−$1,100
Revenue from AI agents, scored before the payout moves.
Orders placed through ChatGPT, Claude, Perplexity and Copilot settle like any other channel, with a score and a reserve set before the money moves and released on the confirmed deposit.
- Every agent surface counted as its own channel
- Reserve set pre-payout, released on the settled deposit
- Agent revenue lands in the same confirmed figure
Agent Commerce
Match your settlements to bank deposits
- ord_88412 · ChatGPT checkout · score 96$1,840
- ord_88419 · Perplexity shopping · score 94$1,120
- ord_88423 · Claude agent · score 71hold $2,260
- ord_88431 · Copilot commerce · score 92$940
- Matched214
- Reassembled12
- Held7
- Partial3
Hand your accountant a period that already balances.
Revenue, deductions, reserves and deposits export as journal-ready lines, with the bank variance for the period stated at the top.
- CSV, Xero and QuickBooks, on the same figures
- Every line traceable to a settlement and a deposit
- Period variance stated at $0.00 before it leaves
Exports
Match your settlements to bank deposits
- Revenue by channel, settledJournal-ready
- Fees, returns and chargebacks, itemisedJournal-ready
- Reserves held and releasedJournal-ready
- Bank deposits, matched line by lineJournal-ready
- Matched214
- Reassembled12
- Held7
- Partial3
One dollar, from the sale to the deposit.
Every sale your stores and processors report is matched to the deposit that hit your bank, with each fee, return, chargeback and reserve stripped out and named along the way.
- The orders are placed474 orders in one Shopify settlement.$63,690
- The platform takes its feesProcessor and platform, read from the settlement file itself.−$3,890
- Returns come back outNetted per order, not estimated at a blended rate.−$1,240
- A reserve is held backHeld by the processor, followed until it releases.−$2,180
- The deposit lands$56,380 sent, $56,380 received in Chase ··· 4417.$56,380
$56,380 sent, $56,380 received. Stated, not implied.
Only Truence shows you the difference as the money moves.
Analytics tools show what a platform reported. Accounting tools show what landed, weeks later. Only Truence shows you the difference as the money moves, and puts it in front of you while you can still act on it.
Revenue Verification
Match your settlements to bank deposits
- Matched214
- Reassembled12
- Held7
- Partial3
| Settlement ID | Order period | Provider | Gross sales | Expected payout | Reserve held | Returns | Net payout | Bank received | Variance | Status |
|---|---|---|---|---|---|---|---|---|---|---|
| stl_9f4c21 | Weeks 1–2 | Shopify | $63,690 | $56,380 | $2,180 | −$1,240 | $56,380 | $56,380 | $0.00 | Matched |
| stl_9f4d07 | Weeks 1–2 | Stripe | $41,220 | $38,940 | — | −$860 | $38,940 | $38,940 | $0.00 | Matched |
| stl_9f4e88 | Weeks 2–3 | Amazon | $88,410 | $79,260 | $6,100 | −$2,180 | $79,260 | $79,260 | $0.00 | Reassembled |
| stl_9f5012 | Weeks 2–3 | Shopify | $52,880 | $49,110 | $1,420 | −$1,090 | $49,110 | $49,110 | $0.00 | Matched |
| stl_9f5164 | Weeks 3–4 | Stripe | $37,450 | $34,980 | $1,180 | −$640 | $34,980 | $21,400 | Outstanding $13,580 | Partial |
| stl_9f5290 | Weeks 3–4 | Amazon | $71,330 | $64,120 | $4,880 | −$1,740 | $64,120 | — | Releases on cycle | Held |
| stl_9f53a5 | Weeks 3–4 | Shopify | $59,770 | $55,240 | $1,960 | −$1,310 | $55,240 | $55,240 | $0.00 | Matched |
Connected in minutes. Confirmed on your first settlement.
No implementation project, no data migration, no setup fee, and nothing for your accountant to prepare. You are running on a confirmed number the same day you connect.
- 1Instant
Connect
- Stores, processors and bank, read-only through Plaid
- Nothing to configure and no spreadsheet to prepare
- Truence never moves money and never writes to your accounts
- 2First payout
The first settlement reconciles
- Your first payout is matched the moment it is read
- Fees, returns, reserves and chargebacks named on it
- Sent against received, stated to the cent
- 3Every cycle after
Every channel confirmed
- All channels and processors reading on their own cycles
- Bank variance for the period standing at $0.00
- Journal-ready exports for your accountant
Truence partners with Plaid and AWS, so the connection is permissioned and the data is protected from the first minute.
Your bank connection is permissioned and read-onlyTruence connects through Plaid, the same infrastructure your bank already trusts. You grant the permission, you can revoke it in one click, and Truence can only read. It never moves money and never writes to your accounts.
Everything Truence reads is encrypted in transit and at rest on AWS, isolated per business, with access logged. A DPA and a security review are available whenever you want them.
Connect a channel, disconnect a channel, export everything you have — on your terms, at any moment. Your numbers belong to you and leave with you.
The same confirmed number, at every size.
One storefront or twenty, one entity or five — TrueRevenue reads what settles and reports one figure.
One storefront, one processor.
Connect Shopify, Stripe and your bank and the first settlement reconciles the moment it is read. Nothing to configure, nothing to reconcile by hand.
Several channels, several processors.
Marketplaces, wholesale and direct all settle differently. Truence reads each one on its own terms and reports them on a single confirmed number.
Multiple entities and currencies.
Entity-level settlement, multi-currency deposits and audit-ready exports, with the same confirmed figure standing behind every one of them.
A number no one can dispute.
You stop paying tax on money that never came, and start building on a number no one can dispute — the same number that makes your business worth more when you raise or sell.
Every founder who wants to keep more of what they earn.
Everyone who needs a number they can trust before they commit capital.
Every accountant who needs a figure that reconciles, first time.
Everything else in commerce reads the click. Truence reads the bank.
Attribution platforms model which touch earned the order. Accounting platforms record the period once it is finished. Truence stands between them and confirms the money — every settlement matched to the deposit, every deduction named, every split payout reassembled — so the figure you plan, spend and raise on is the one your bank already agrees with.
Built to confirm what nothing else can.
Three tools, three sources. Every line names where the number comes from.
Reads the bank. Every figure is a deposit that cleared, matched as each settlement arrives.- Revenue taken from the deposit, not the dashboard
- Fees, returns, reserves and chargebacks read per line from the settlement file
- One payout arriving as three deposits is reassembled, then matched
- Reserves followed until the day they release
- Bank variance for the period stated on screen, to the cent
- Direct, marketplace, subscription and wholesale reported as one confirmed number
- Journal-ready exports to CSV, Xero and QuickBooks on the same figures
- Available as each settlement is read, while you can still act on it
- Revenue taken from platform-reported conversions
- Fees, returns and reserves sit outside the model
- Split payouts are not followed to the bank
- Reserves and chargebacks are not tracked
- No bank variance figure is produced
- Channel figures come from each platform's own reporting
- Exports are reporting files, not journal lines
- Refreshes on the platform's cycle
- Revenue taken from the ledger once the month is closed
- Fees and refunds posted as summary journal entries
- Split payouts matched by hand at close
- Reserves recorded once they release
- Variance produced at close, weeks after the money moved
- Channels consolidated after each is reconciled
- Exports are the statutory close pack
- Available after the close
Ask anything about TrueRevenue.
Every question a founder asks before they connect a bank.
Start with the truth about one dollar.
Connect your stores, processors and bank. The first settlement reconciles the moment it is read.