Retail and e-commerce finance, compliance, and people on one ledger

Retail books break because revenue arrives from several channels in different shapes, inventory moves faster than the month-end close, and sales tax is owed in states you never physically entered. Fintra keeps one GL underneath all of it, so a sale, its COGS, the processor fee, and the tax accrual land together rather than as four numbers you match by hand.

• Multi-channel revenue: store, web store, and marketplace orders roll into one revenue view (channel data arrives through connectors that are in design-partner scope today).
• Perpetual inventory and COGS: cost relieves inventory at the moment of sale and posts to the GL, so margin is live rather than a quarterly guess.
• Sales-tax nexus: a rolling 12-month monitor watches each state against its Wayfair economic-nexus thresholds, and rate calculation is fail-closed so an unverified local rate raises rather than silently charging wrong.
• Payment reconciliation: processor payouts are matched to bank deposits and fees, with the variance surfaced (processor and bank feeds are connector-gated).

Retail carries cardholder data and consumer data, which pulls in a specific set of frameworks. Fintra tracks each as a real framework in its GRC library, maps your controls to it, and keeps rule-based, explainable evidence of where you stand, so an assessor or a customer security review has something to read instead of a promise.

• Hourly and seasonal payroll: multi-rate, multi-state gross-to-net runs in integer cents with a per-check invariant, and each run posts a balanced journal entry to the same GL.
• High-volume hiring: applicant tracking with structured screening for peak-season ramps, plus document verification to keep hiring integrity when volume spikes.
• Records and compliance: employee records, workers-comp tracking, and garnishment processing sit alongside payroll rather than in a separate HR silo.