Finance for sellers whose payout never equals their sales
Inventory and COGS that move with every order, Shopify, Amazon, and Stripe payouts reconciled to the penny, sales-tax nexus tracked state by state, and ad spend measured against contribution margin - one AI finance operating system, not five dashboards.
Why a growing store outgrows spreadsheet books
An e-commerce seller’s revenue arrives net: a Shopify or Amazon payout is gross sales minus fees, refunds, chargebacks, and a reserve, landing days later on its own schedule. Meanwhile COGS moves with every unit shipped and sales tax obligations appear in states you’ve never visited.
- Inventory and COGS: cost of goods must relieve inventory as orders ship, or margin is fiction until a year-end count.
- Payout reconciliation: Shopify, Amazon, and Stripe each net out fees differently, and the deposit rarely matches the order total.
- Sales tax nexus: economic thresholds - often around $100,000 of sales - create filing duties in new states overnight.
- CAC vs contribution margin: a sale isn’t profitable until ad spend, COGS, fees, and shipping are all subtracted.
- Multi-channel view: one SKU sold across three channels needs one blended margin, not three siloed reports.
How Fintra maps to an online store
- AI accounting relieves inventory and books COGS as orders ship, so gross margin is real between physical counts.
- Payout reconciliation matches each Shopify, Amazon, or Stripe deposit to its orders and splits out fees, refunds, and reserves automatically.
- Sales tax tracks nexus exposure by state across every channel and keeps collected-versus-owed reconciled for filing.
- Budgeting and forecasting sit ad spend next to contribution margin, so scaling a channel is a margin decision, not a vanity-revenue one.
A worked contribution-margin example
Contribution margin per order
Price − COGS − fees − fulfillment − CAC = $60 − $22 − $5 − $8 − $15 = $10
Illustrative example: contribution margin - not gross revenue - is what has to cover overhead and profit, so Fintra tracks it per channel from posted actuals.
Channel dashboards vs Fintra
| Workflow | Spreadsheets + generic tools | Fintra |
|---|---|---|
| COGS and inventory | Estimated, trued up at an annual count | Relieved per shipment, so margin is live |
| Payout reconciliation | Hand-match deposits to order exports monthly | Deposits matched to orders with fees split automatically |
| Sales tax nexus | Per-state thresholds tracked in a workbook | Exposure monitored by state across every channel |
| Ad spend vs margin | Revenue in Ads, cost in the bank, never joined | CAC sat next to contribution margin per channel |
Getting started
From net-deposit bookkeeping to real margin
- 1
Connect channels
Bring in Shopify, Amazon, and Stripe activity and your product cost list.
- 2
Set COGS and nexus
Load unit costs and turn on nexus tracking for the states you sell into.
- 3
Close on real margin
Your first close reconciles every payout and reports contribution margin by channel.
Frequently asked questions
Can Fintra reconcile Shopify, Amazon, and Stripe payouts?
Yes. Fintra matches each payout to the orders behind it and splits out platform fees, refunds, chargebacks, and reserves as their own lines. A $60 order that arrives as a smaller net deposit reconciles automatically, and any unmatched payout surfaces immediately rather than at month-end.
How does Fintra track inventory and COGS for an online store?
Cost of goods relieves inventory as orders ship, so gross margin reflects real product cost throughout the month instead of an estimate corrected at a year-end count. You get margin by SKU and by channel from posted actuals, which is what tells you which products actually earn their shelf.
Does Fintra handle sales tax nexus across states?
Fintra’s sales tax module monitors sales by state across all your channels and flags where you approach or cross economic nexus thresholds, which are commonly around $100,000 in a state. It also reconciles tax collected against tax owed per jurisdiction, so filings come from clean numbers rather than stitched-together channel exports.
Can Fintra show contribution margin after ad spend?
Yes. Fintra sits COGS, payment and marketplace fees, fulfillment, and CAC against revenue to report contribution margin per order and per channel. Because ad spend flows into the same ledger, scaling a channel becomes a margin decision - you see the moment rising CAC pushes an order toward break-even.
Does Fintra replace my Shopify or Amazon Seller dashboards?
No. Those platforms stay your systems of record for orders and fulfillment. Fintra is the finance layer around them: it turns payouts and orders into a clean general ledger, relieves inventory, reconciles fees, tracks sales tax, and reports true margin - replacing the spreadsheets and single-channel dashboards that don’t add up to one P&L.
Stay in the loop
One practical finance briefing a week - new guides, checklists, and benchmarks.
See real margin, not the net deposit
Fintra is free to start, no card required. Connect your channels and get reconciled payouts plus contribution margin in your first close.
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