Verified at source
Every figure traces to a bank deposit.
Each order is followed through fees, refunds and disputes.
The figure you read is the money that cleared.
TruenceShopifyBuilt for Shopify and DTC operators
Scale the store on certainty.
Truence connects your store, your ad platforms and your bank, then verifies every sale against the deposit that cleared.
Every processor, every channel, reconciled to one bank.
16+Integrations live todayand every surface your revenue passes through
Truence reads every store, ad account, processor and bank you run on — then proves all of it against the deposit that landed.
Every platform reports what it thinks you earned. Truence shows what your bank actually received.
Truence
Truence follows every order through fees, refunds, disputes and the ad cost behind it, all the way to the deposit that cleared — so you can grow on a figure that is already money.
Built for a checkout you own.
Built for operators
Made for operators who own the customer.
Built around the decisions taken on the floor.
Read it between packing one order and the next.
Everything your store touches, verified in one place.
Shopify Payments, Stripe, PayPal and Shop Pay Installments each pay out on their own clock, each netting their own fees, refunds and chargebacks, and a single order can arrive split across more than one of them. Truence reassembles every payout back to the order that produced it, so the figure you run on is the money that actually landed.
TrueRevenue
Bank-confirmed position
Last cycle, settled to the account
$284,392Bank-confirmed revenue+23.4%
26.0%Verified margin+2.1pp
Stripe4,356 txns matched
Orders settled4,318
Deposits matched1,412
Revenue clarity
Platform reported against bank confirmed
Shopify reported$332,910
Bank confirmed$226,140
Stripe reported$79,390
Bank confirmed$58,252
PayPal reported$34,180
Bank confirmed$28,940
Settlement timing
Order to deposit, by processor
Shopify Payments4,318 orders48h
Stripe4,356 txns52h
PayPal486 payouts71h
Shop Pay1,207 installments96h
Median across 1,412 matched records
TrueMarketing
Verified ROAS
Settled return per channel, last cycle
Meta$98,300 spend settled$4.82
Google$61,400 spend settled$6.21
TikTok$18,900 spend settled$3.14
Email$2,140 spend settled$9.80
Blended 4.71x, bank confirmed
SCAC ladder
Cost of the next customer, by tier
$24.10SCAC1
$28.40SCAC2
$33.10SCAC3
$38.40SCAC4
Each tier adds the cost the previous tier did not carry
SCAC4 is the true all-in cost of the next customer
Product margin
Verified contribution margin, by SKU
Crew socks 6-pack56.0%
Canvas tote48.2%
Ribbed tee41.7%
Merino beanie-8.4%
Settled revenue less landed cost, fees and refunds
TrueForecast
Bank feed live
Capital arrival
Cleared cash, dated forward
94%
7-day486 payouts dated$84,200+11.2%
14-day912 payouts dated$176,400+18.7%
30-day1,412 payouts dated$312,800+28.4%
Forecast accuracy 94%, trailing 90 days of cleared cash
Risk forecast
Flagged before it costs you
Dispute rate 0.62%Processor review threshold is 0.90%Watch
Reserve release Day 12$46,720 held against last cycle volumeDated
Bank feed liveAd growth forecast
Bank-confirmed return projected before the spend goes up
1.34xProjected settled ROIat +$20,000 spend
1.06xSettled todayLast cycle, verified
Meta+$8,000 proposed1.29x
Google+$9,000 proposed1.41x
TikTok+$3,000 proposed1.12x
Projected, not yet settled
TrueBooks
cycle close
Signed off against the deposit
$312,847
Net profit movement+$79,402
Variance vs bank$0.00
Time to close1h 48m
Industry median22h
Ledgers signed
Expense intelligence
Categorised on the settlement line
Shopify subscriptionSoftware$2,388
Meta AdsMarketing$98,300
Stripe processingFees$4,180
QuickBooksSoftware$1,140
4 recurring commitments flagged
Dispute recovery
Evidence filed from the settlement record
92%Win rate
$4,820Recovered in the last cycle14 of 15 disputes upheld
Disputes openedLast cycle15
Upheld in your favour14
Average days to resolve9
Still open1
One-tap evidence packet
ACP · LIVE
961agent orders this monthAgentic Commerce Protocol
Every order an AI agent places is scored, priced and followed to the deposit — before you accept it.
Fraudulent agent orders blocked before fulfilmentTrue fee drag priced per orderAgent revenue proven to the bank deposit
74OUT OF 100
Scored order#SHP-10482
Placed byChatGPT · 12:04 AM
Fee drag15.3%
Reserve held$9.58
Allow — low risk, cleared automaticallyOrder intelligence · six signals, every agent order
Margin safetybelow threshold
2 points under threshold on the last 9 agent orders01
Channel trust96%
pass ≥ 8002
Clean cash probability91%
pass ≥ 8503
Settlement confidence86%
pass ≥ 8004
Evidence readiness80%
pass ≥ 7005
Fee drag exposure15%
ceiling ≤ 20TTruence
ChatGPT412 orders
Perplexity188 orders
Claude146 orders
Gemini121 orders
Copilot94 ordersShopify1,412 ordersStripe$18,240 capturedBank$16,905 settled
ChatGPT412 ordersPerplexity188 ordersClaude146 ordersGemini121 ordersCopilot94 ordersShopify1,412 ordersStripe$18,240 capturedBank$16,905 settledDecision streamliveevery agent surface, scored as it arrives
ChatGPT#SHP-10482Allow74score
Perplexity#SHP-10479Review61score
Gemini#SHP-10471Block28score
Claude#SHP-10466Allow88score
Copilot#SHP-10458Allow81score
ChatGPT#SHP-10447Review55score
Perplexity#SHP-10431Allow92score
Gemini#SHP-10428Review69score
CapabilitySignalOutcomeStatus
VerifyBank deposits and processor payoutsRevenue confirmed against the accountLIVE
TrueForecastCleared history and dated releasesCash arrival modelled 30 days outLIVE
AccountLedger, fees, refunds, chargebacksBooks closed with no open differenceLIVE
ScaleSettled return by channelBudget priced on the depositLIVE
RecoverDispute and chargeback evidenceHeld money argued back automaticallyLIVE
Beat competitionAssistant visibility scoresPresence where buyers now askLIVE
One position your team, your accountant and your lender all read the same way.
Bank-proven, source by source, the day it lands.
TrueRevenueGrow on revenue you can prove
Every dollar you earned, proven and ready to deploy.
Reassemble split payouts across Shopify Payments, Stripe, PayPal and Shop Pay Installments into one settled figure per order, with every processor fee, refund and chargeback named along the way.
- Match any order to the dollars that landed from each processor.
- Every fee, refund and chargeback named, to the day.
- Your settled figure, ready the moment the money clears.
Banked · last cycle$319,080Cleared into the operating account
- Reported gross$412,300
- Named deductions−$93,220
- Agent-originated$53,700
77.4%of reported gross
reached the bank1,412records matched
to the bank feed
Verified against 19 deposits from Northfield Operating ····4021Settlement descent · every deduction named and dated
ReportedLeakingHeldBank confirmed- Reported gross1,412 orders across 7 channels · platform reported$412,300$412,300
- Processor feescard, wallet and agent rails · taken at capture−$28,410$383,890
- Refunds and returns94 orders returned, 31 partially refunded−$11,750$372,140
- Chargebacks18 disputes · 6 still recoverable−$6,340$365,800
- Still heldrolling reserve, releases across 14 days−$46,720$319,080
- Bankedcleared into the operating account, 1,412 records matched$319,080$319,080
Agent commerce (ACP) · deposits cleared
Banked from agents$53,700- ChatGPT checkout214 orders · $34,120$25,750
- Perplexity138 orders · $21,480$16,170
- Claude47 orders · $7,480$5,120
- Gemini36 orders · $5,820$3,980
- Copilot24 orders · $3,800$2,600
Channel ledger · reported gross against the deposit that cleared
Banked, last cycle$319,080ChannelGrossFeesHeldBankedVerifiedSettled ROIΔ claimedTrendStatus
Shopify PaymentsCard and wallet$189,400−$18,540−$22,540$148,32078.3%2.41x−0.34Bank confirmed
StripeCard and wallet$79,600−$7,890−$9,600$62,11078.0%2.28x−0.21Bank confirmed
PayPalWallet$43,900−$4,320−$5,400$34,18077.9%2.16x−0.29Partly held
Amazon PayMarketplace wallet$26,700−$2,610−$3,240$20,85078.1%1.94x−0.18Partly heldChatGPT checkoutAgentic · ACP$34,120−$5,470−$2,900$25,75075.5%2.72x+0.41Bank confirmedPerplexity checkoutAgentic · ACP$21,480−$3,610−$1,700$16,17075.3%2.55x+0.26Bank confirmedClaude, Gemini, CopilotAgentic · ACP$17,100−$4,060−$1,340$11,70068.4%1.61x−0.44Awaiting depositTrueMarketingPut budget where it already pays
Grow every channel your bank can prove.
Measure return across your own store and every paid channel, priced on cleared cash instead of platform-reported conversions.
- Back the channels with proven, settled return.
- See the winning reallocation before the next spend goes out.
- Back every budget call with a deposit.
Budget reallocationRanked by the return your bank actually settledLast full cycle ⌄
Recommended move, last cycle+$34,900verifiedprojected settled return from moving $26,000 of last cycle spend1.06xtoday→1.41xafter the moveSpend$101,860Settled$107,898Verified26%26% verified today60% after the moveApply reallocationExport
Claimed against settled
$311,806never reached the bank across eight monthsBank settledPlatform claimedWhere the spend went
Last 14 days ⌄Spend$101,860
- Meta$46,200
- Google$31,400
- TikTok$16,800
- Pinterest$7,460
By creative format
- Video$52,97052%
- Static image$31,57731%
- Carousel$17,31317%
Daily pacing, last 14 days
Plan $3,640/dayPacing 8% above plan — today is the heaviest spend day of the monthRecent verification
Live- Google AdsBank confirmed · 2m ago+$4,318▲ +12.4%
- Instagram ReelsBank confirmed · 17m ago+$3,940▲ +31.8%
- Meta AdsClaimed, unverified · 41m ago$18,420▲ +2.1%
- X promoted postsAwaiting deposit · 1h ago$2,780▲ +6.5%
- Creator seedingNo deposit matched · 3h ago−$5,700▼ −48.2%
- Pinterest AdsBank confirmed · yesterday+$2,164▲ +9.3%
ROI breakdown — current spend against projected return
Every projection is built only from deposits your bank already settledProjected lift+$34,900ChannelSpend nowSpend nextMoveSettled ROIProjectedΔTrendLiftAction
Google Ads$31,400$41,800+$10,4001.24x1.38x+0.14+$12,900Scale
Pinterest Ads$7,460$13,860+$6,4001.70x1.82x+0.12+$10,880Scale
Instagram Reels$12,300$21,500+$9,2001.37x1.45x+0.08+$11,120Scale
Meta Ads$46,200$37,000−$9,2001.08x1.10x+0.02−$960Hold
TikTok seeding$16,800$0−$16,8000.38x——+$960Cut
Forecasting ModelPlan the next quarter with certainty
Your next quarter of cash, already dated to the day.
Turn each processor's payout schedule into one cash calendar, so you see the day money lands from every source at once.
- Every projected dollar anchored to a deposit that cleared.
- A confidence band you can build both the floor and the ceiling on.
- Test a spend increase and watch the cash it returns, before you commit.
Last cycle lands$429,480$399.9k – $459.1k · 89.8% confidenceSettled and bankedModelled arrival90% confidence bandTested: Google Brand +$12,000Last cycle ceiling$621,571
Settled revenue
$429,480▲ vs $319,080 last cycle$399.9k – $459.1kSettled CAC (SCAC)
$38.58▼ vs $38.40 last cycle35.87 – 42.43 per orderNet profit after spend
$172,605▲ vs $121,460 last cycle$153.4k – $189.5kCash runway
9.2 mo▲ vs 7.4 mo last cyclefloor 8.3 mo · $195,933 on last cycle 15Scenario lab
Cash on hand$863,940$18,500→ $30,500
Last cycle landsRangeConfidenceSCACNet profitCash runwayCash floor
Baseline$394,200$372.8k – $415.6k92.4%$38.44$158,8939.1 mo$179,592 · last cycle 15
Testing nowwatch SCACbest profit$429,480$399.9k – $459.1k89.8%$38.58$172,6059.2 mo$195,933 · last cycle 15
Scenario Awatch SCAC$429,480$399.9k – $459.1k89.8%$38.58$172,6059.2 mo$195,933 · last cycle 15
Scenario Bwatch SCAC$407,160$374.5k – $439.8k87.8%$39.53$160,3389.1 mo$185,595 · last cycle 15
Scenario log · 2 tested
Last cycle, dated to the day
Shopify PaymentsStripe, PayPal, Amazon PayAgent checkout (ACP)Cash floor $195,933 on last cycle 15Balance, Day 30$379,980Product AnalyticsFind your next dollar of growth
Scale the products that already pay you back.
Every SKU ranked by the contribution your bank actually banked — so the next purchase order doubles down on proven winners.
- See the real dollars each product keeps after COGS, fees and returns.
- Put reorder budget behind proven contribution, not reported revenue.
- Free up the cash tied to your slowest SKU and put it behind a winner.
Everyday crew sock, 3-pack$21.30 kept per unitCalculating contribution…−$41,200profit banked this month across 42 SKUs, after COGS, fees and returnsbank-confirmed · every dollar traced to a deposit that cleared
- Catalogue margin32.8%
- Reorder value$55,812
- SKUs profitable8 of 9
Where each dollar of price goes
COGSFeesReturnsKeptReturns rate
3.4%
−1.6 pts vs prior cycleSell-through velocity34 days average · 4 SKUs under 30
Margin trend32.8% margin · +6.7 pts
Platform reported$361,120Returns reserve−$13,610Contribution banked$118,640
Profit ladder · every SKU ranked by contribution that cleared the bank
9 of 42 SKUs shown · sorted by keptProductUnitsReturnsSell-through6-month trendContribution keptMarginAction
- 1Everyday crew sock, 3-packNF-SOCK-3PK2,1401.8%26 days+$48,21056.0%Reorder
- 2Heavyweight hoodieNF-HOOD-3204554.2%41 days+$22,40038.4%Reorder
- 3Field speakerNF-SPKR-023062.9%38 days+$16,80031.2%Reorder
- 4Leather toteNF-TOTE-142183.4%33 days+$11,20034.4%Reorder
- 5
Studio matNF-MAT-063663.1%47 days+$8,60028.0%Reorder - 6Wireless earbudsNF-BUDS-011745.6%29 days+$5,90028.5%Reorder
- 7Gold hoop earringsNF-HOOP-221752.2%35 days+$4,40040.6%Reorder
- 8Leather beltNF-BELT-082043.8%52 days+$3,61022.7%Reorder
- 9
Amber candle, 8ozNF-CNDL-81,05511.4%63 days−$2,480−4.8%Retire
Kept by rows shown$118,640SKUs to reorder8SKUs to retire1Catalogue margin32.8%Contribution recovered by retiring+$2,480
Watch list · losing money per unit
3 SKUs flagged
Amber candle, 8oz−$2.35 per unit · 11.4% returned−$2,480Amber candle, 8oz · 1,055 sold · worst of the three
- Sold at$28.00
- Landed cost−$21.40
- Fees−$2.90
- Returns and breakage−$5.05
- Kept per unit−$2.35
Next purchase order · funded by contribution already banked
Draft · 3 suppliers- Everyday crew sock, 3-packsells through in 26 days1,200 units$13,680
- Field speaker12-week lead time, order now340 units$33,456
- Studio matcovers the spring window180 units$8,676
- Amber candle, 8ozloses $2.35 a unit after returnsstruck offsaves $2,480
Purchase order total$55,812Funded from banked contribution$118,640
The business behind the deposit
Every figure on this page started as somebody packing a box.
Cash Flow IntelligenceCommit cash with confidence
Know the day every dollar lands.
Commit to inventory and payroll weeks earlier, with total confidence in the date.
- Plan payroll against cash already dated to the day.
- Know the exact day every reserve releases.
- Green-light inventory the moment the cash is certain.
7 days14 days30 days
Arriving in the next seven days
$255,7197.4%
every dollar dated, three payouts confirmedCurrent cash$9,827,143clearedRunway30+ daysno depletion14d build$825,776+8.2%
Confirmed $146,310Projected $158,450
- Shopify PaymentsDay 24 · confirmed$38,210
- StripeWed 26 · confirmed$24,600
- PayPalThu 27 · confirmed$13,600
Total arriving this week$76,410
- Payroll · Day 28$41,200
- Restock PO$36,500
- Safe to spend$68,000
TrueBooks — Accounting IntelligenceBooks that close themselves
Tax-ready books, closed the day the money lands.
Close processor fees, chargebacks and multi-channel activity clean against the bank — so the close, the filings and the reports are already done for you.
- State-by-state tax handled well ahead of every deadline.
- Expenses categorised and payables scheduled the day they hit.
- A P&L and cash-flow statement that is live, not month-end.
- Deposits matched to the bank19 deposits · Northfield Operating ····40211,412 / 1,412Auto
- Fees, refunds and disputes allocatedtaken from the actual deduction, not a rate214 recordsAuto
- Inventory and COGS postedlanded cost per unit, per shipment386 SKUsAuto
- Expenses categorisedcards, bills and out-of-platform receipts183 receiptsAuto
- Sales tax accrued by statecollected against remitted, nexus watched12 statesAuto
- Statements reviewed and signedP&L, balance sheet, cash flow3 reportsMaya R.
Tax preparation pack96% readyOutstanding: Colorado Q1 filing draft awaiting your signature
Profit and loss · live, not month-end
Every line traced to a settled depositLineLast cycleLast cycleLast cycleQ1Δ bank
Settled revenue$351,900$376,900$412,300$1,141,100$0
Cost of goods−$140,760−$150,760−$164,920−$456,440$0
Gross profit$211,140$226,140$247,380$684,660$0
Processing fees and refunds−$39,900−$42,600−$46,500−$129,000$0
Marketing−$84,500−$91,200−$98,400−$274,100$0
Payroll and contractors−$44,600−$45,400−$46,200−$136,200$0
Software and tools−$11,900−$12,300−$12,840−$37,040$0
Fulfilment and shipping−$16,100−$17,200−$18,600−$51,900$0
Net profit$14,140$17,440$24,840$56,420$0
Cash flow statement · last cycle
Closing balance $486,200- Operatingcollections less operating payments+$186,400
- Investinginventory build and equipment−$62,800
- Financingcredit line repayment−$18,300
Opening$380,900Net movement+$105,300Closing$486,200
Sales tax · state by state
$148,912 remitted in fullStateCollectedNexusFiling due
- CACalifornia$38,410Day 60
- NYNew York$24,980Day 50
- TXTexas$19,240Day 50
- FLFlorida$14,660Day 49
- ILIllinois$9,820Day 50
- WAWashington$8,140Day 55
- PAPennsylvania$6,930Day 50
- GAGeorgia$6,120Day 50
- COColorado$5,480Day 50
- OHOhio$5,462Day 83
- AZArizona$4,910Day 60
- NCNorth Carolina$4,760Day 60
Nexus watch · 3 states inside 20% of the threshold · registration drafted before you cross it
Accounts payable
$125,200 outstanding- 0–30 days$84,200
- 31–60 days$31,600
- 61–90 days$9,400
- Shopify PlusINV-4471 · platform · due Day 33$2,400Scheduled
- AWSINV-9920 · infrastructure · due Day 34$3,180Scheduled
- Meta AdsINV-2210 · media · due Day 37$18,640Scheduled
- Google AdsINV-8814 · media · due Day 39$14,900In review
- Pacific FreightINV-1180 · logistics · due Day 28$7,780Overdue
Next payment run · Day 33 · $46,900 scheduled against cash already cleared
Expense management · last cycle
$183,040 categorised- MarketingMeta, Google, TikTok · card$98,400+7.9%
- Payroll and contractorsGusto · bank debit$46,200+1.8%
- Fulfilment and shippingShipBob, USPS · bill$18,600+8.1%
- Software and toolsRamp card · 34 vendors$12,840−4.4%
- Travel and eventsAmex · out of platform$4,120−12.0%
- Office and suppliesBrex · receipts captured$2,880−2.6%
Captured from outside the storeRamp cardBrex cardAmexBank debitsEmail receipts183 receipts matched · duplicate software charge caught · $1,940 recovered
Gross margin60.0%up 1.0pt on last cycle
Net margin6.0%up 1.4pt on last cycle
Operating burn$0profitable for 5 months
Cash runwayFunded$486,200 closing balance
Days sales outstanding4.1 daysfrom order to cleared deposit
Sales tax reserve$148,912collected and fully remitted
Filing-readyP&LBalance sheetCash flowTax pack
TruenceEverything your money touches.16 connected surfaces, 1,412 deposits matched, $0 unexplained.
4,318 orders612 settlements4,356 txns$98,300 spend$61,400 spend$18,900 spend1,412 depositsLedger syncedLedger synced62 visibility486 payouts$319,080 bankedThe Truence difference:
Nothing here is an estimate. It all cleared your bank.
The decisionTruenceAttribution platformsAccounting platforms
The revenue you plan onBank-confirmedModeled from pixelsPlatform-reported
When a product proves profitableDay it shipsNot measuredAfter month-end
What an ad returnedSettled to depositAttributed, not settledNot tracked
Cash you can commitCleared and datedNot offeredBank balance only
When the books are rightOn the depositNot offeredAfter reconciliation
FAQs
Answers before you connect.
What does Truence add to what Shopify already reports?
Shopify shows what you sold. Truence shows what you kept — and what to do with it next.
When can I see contribution margin on an order?
The day it ships, in time to reorder on it with confidence.
Which deductions are shown against an order?
Every one, from the charge to the deposit that cleared, named and dated.
What do I connect to get there?
Your store, your ad platforms, your processors and your bank — connected read-only.
Every product, tracked from the order to the deposit.
Product views are illustrative. Figures are examples, not customer results.
Scale the store on certainty.
Connect your store, your ad platforms and your bank, and read one figure the deposit already confirmed.
Explore next