eCommerce & SaaS Startups: Take Control of Your Accounting & Financial Operations
Built for DTC brands, Amazon FBA sellers, marketplaces, and SaaS—reconcile settlements, build P&L from raw data, and stay audit-ready.
Automatically reconcile payments, manage creator payouts, and stay compliant with multi-state tax rules—without spreadsheets or month-end chaos.
Only 20 spots available for founding partners
Works with the tools you use
Built by a Licensed CPA Who's Been in Your Shoes
pmsox.io was created by a licensed CPA with 20+ years of experience in financial systems, compliance, and automation. After working with startups, scale-ups, and marketplaces struggling to untangle spreadsheets and delayed month-end reconciliations, I built pmsox.io to simplify what should never have been so complex: tracking your money.
We don't replace your accounting system—we help it work smarter, faster, and cleaner. No more black boxes. No more "where did that transaction go?"
If you're running a SaaS or eCommerce business, I speak your language—and your accountant's.
The Problem with Traditional Methods
Sales, refunds, disputes, and COGS live in different systems—so you can't trust your numbers or get decision-grade profitability.
You Don't Trust Your Numbers
Revenue that doesn't match Stripe. Margins that change depending on the report. Disputes and refunds that "disappear" from profitability. The dashboard is about confidence, not just visuals.
Disputes Break Your Margin Math
Most dashboards ignore chargebacks or treat them as simple refunds. Product already shipped means COGS is gone—fees plus lost revenue make true margin worse than reported. You don't know your real post-dispute profitability.
No Clean Order-Level Linkage
Struggling to match Stripe disputes to internal orders? Partial refunds, multiple payments, and retries make it worse. Without order-level linkage, you can't see which SKUs are actually causing losses—SKU margin is fiction.
Cohort Analysis Is Missing or Misleading
You want refund rate by cohort, dispute rate by cohort, LTV vs risk. Instead you get top-line cohort revenue with no adjustment for downstream refunds and disputes—so you can't tell which cohorts are good vs toxic.
SKU-Level COGS Isn't Wired Right
COGS data exists but isn't normalized by SKU, tied to refunds and disputes, or time-aligned with revenue. Your "best-selling" SKUs may actually be margin killers.
Manual Work Doesn't Scale
CSV exports, spreadsheet hacks, one-off calculations. You need automated refresh, a model that survives growth, and something that doesn't break every month—not more manual cleanup.
Surface-Level Dashboards Don't Cut It
You need more than pretty charts. If it can't explain how the numbers are built, doesn't understand ecommerce economics, or treats disputes like simple refunds—it't not decision-grade.
No Early Warning on Bad Cohorts or SKUs
By the time you see which customer segments or products are margin killers, it's too late. You need signals that flag toxic cohorts and loss-making SKUs before they scale.
Amazon Settlement & P&L Chaos
Reconciling Amazon settlements—including the end-of-month split—building P&L and Balance Sheet from bank statements, Seller Central reports, and SKU-level COGS from scratch turns into a last-minute, consultant-heavy nightmare.
Our Solution
Not just a dashboard—correct unit economics, decision-grade profitability, and early warning signals for bad cohorts, SKUs, and channels. So you can trust your numbers.
Decision-Grade Profitability
We automate the linkage between Stripe, orders, refunds, and disputes—so margins and cohort analysis reflect reality. No surface-level visuals; we understand ecommerce economics and how the numbers are built.
- COGS & Fulfillment Tracking
Track manufacturing, shipping, packaging, and fulfillment costs at the unit level
- Contribution Margin Analysis
Calculate true profitability after COGS, refunds, discounts, and ad spend
- Ad Spend Attribution
Connect Google, Meta, and TikTok ads to calculate CAC, ROAS, and break-even metrics
- Payment Reconciliation
Automatically match transactions across Shopify, Stripe, PayPal, and bank accounts
- Amazon FBA: Settlements & P&L
Reconcile Amazon settlements (including end-of-month split), categorize bank/CC transactions, and deliver professional P&L and Balance Sheet from Seller Central + SKU-level COGS
- Month-over-Month Profitability
Build automated profitability models by month and by channel
Seamless Integrations
Connect with your existing tech stack for a unified financial ecosystem
Works with
- ShopifyQ1
- WooCommerce
- Custom Platforms
- Settlement reconciliation
- End-of-month split handling
- P&L & Balance Sheet from raw data
- Bank/CC + SKU-level COGS
- StripeLive
- PayPalSoon
- Bank AccountsSoon
- Meta (Facebook/IG)
- Google Ads
- TikTok Ads
- QuickBooks OnlineQ1
- Xero
- NetSuite
- ShipBob
- Deliverr
- Custom 3PLs
- Supplier Invoices
- Manufacturing Data
- SKU-level Costs
- TaxJar
- Avalara
- Multi-state Filing
- Bank Account SyncLive
- Transaction Feeds
- Auto-reconciliation
Automated Features
Powerful automation that transforms your financial operations
Daily Reconciliations
Automatically match and reconcile transactions across all your payment processors and internal systems.
Journal Entries
Generate clean, audit-ready journal entries and post them directly to your accounting system.
Sales Tax Aggregation
Automatically calculate and aggregate sales tax by state, county, and locality for accurate reporting.
Internal Controls
Built-in internal controls over financial reporting (ICOFR) to ensure compliance and reduce risk.
SOC Compliance
SOC 1 & SOC 2 readiness built into your financial processes, making audits straightforward.
Creator Payouts
Automate payments to creators, vendors, and partners with complete tracking and reconciliation.
COGS Tracking
Track manufacturing, materials, and production costs at the SKU level for accurate unit economics.
Fulfillment Costs
Capture shipping, packaging, and 3PL fees to understand your true landed cost per order.
Contribution Margin
Calculate true profitability after revenue, COGS, refunds, discounts, and variable costs.
Ad Spend Analytics
Connect Google, Meta, and TikTok ads to calculate CAC, ROAS, and break-even metrics by channel.
Profitability Models
Build automated month-over-month profitability reports with insights by channel, product, and time period.
Founding Beta Partner Program
Get early access to the platform that automates reconciliation, sales tax aggregation, and journal entry generation for Stripe, Shopify, Amazon FBA, banks, QuickBooks, TaxJar, and Avalara.
In addition to 6 months of free platform access and a 50% lifetime discount, you'll also receive personalized weekly financial coaching from our founder—a CPA with two decades of experience in accounting systems and SaaS growth.
What You'll Get
- Free for 6 Months — Full access to our beta platform
- 50% Lifetime Discount — Locked in when beta ends
- 1-on-1 Financial Strategy Call — Tailored financial ops advice for your SaaS/eCom business
- Slack/Email Access to Founder — Direct feedback and support
- Founding Partner Recognition — Badge + early access to roadmap
Claim Your Spot
—/20 leftApply now to join our beta and get hands-on help building the financial systems your startup needs to scale—with zero spreadsheet chaos.
Prefer to talk first?