Bank statement analysis for ecommerce sellers

The problem

Marketplace and payment processor payouts arrive as a single net deposit that already has fees, refunds and chargebacks netted off inside it. The bank statement shows one number where the business needs four. Advertising spend, shipping labels and inventory purchases are spread across a card and a bank account, so gross revenue, real margin and true cost of sales are all invisible from the account alone.

How Karchu helps

Karchu categorizes payout deposits, platform fees, ad spend, shipping and inventory purchases separately, so the statement becomes a usable picture of where money actually went. Rules apply retroactively across the whole history, which means one correction fixes every past payout of the same type. Exports carry the category totals your bookkeeper or accounting software needs.

Recommended workflow

1. Create a workspace for the store and upload the business account and card statements.
2. Let rules split payouts, platform fees, advertising, shipping and inventory into their own categories.
3. Check the monthly totals against your platform settlement reports.
4. Review anything the rules did not match, usually new suppliers or one-off tools.
5. Export categorized totals for bookkeeping or the quarterly tax estimate.

What users say

Seeing ad spend and platform fees as their own lines, instead of buried inside a net payout, changed which products we kept.

Related pages

• Bank statement analyzer overview
• Automatic transaction categorization
• Pricing
• Other use cases