LUMINARY SOLUTIONS/ reconciliation
Free Payout Accuracy Check
E-commerce financial reconciliation

Your payouts don't match your sales. Here's the fix.

Shopify, Stripe, and PayPal each pay you on their own schedule, bundled with fees, refunds, and chargebacks. I untangle it into clean, books-ready records your accountant can use. Fixed fee, ten business days.

Request your free Payout Accuracy Check See the offer

No login access needed. You send exports, I send back a clean file. Free Payout Accuracy Check: one processor, one payout period, back in 2 business days.

Your books, right now
Shopify Payments deposit$18,204.11
Stripe deposit$4,912.60
PayPal deposit$2,177.05
Unreconciled$1,842.17
After the sprint
Gross sales, reconciled$26,940.30
Fees, refunds, chargebacks−$1,646.54
Net to bank, verified$25,293.76
Variance$0.00
balanced
Who's behind this

Built on real financial-data work, not outsourced labor.

I'm Adrian Penn. My background is hands-on financial-data operations: verifying and cross-referencing records across systems, compiling and formatting financial documentation for delivery, in a Fortune 500 AR and cash-operations role, plus prior startup experience in operations and chargeback defense. This service is built on that direct experience, not general bookkeeping software repackaged as a service.

The problem

One bank deposit is never one thing.

It's sales, minus fees, minus refunds, minus chargebacks, bundled into a single number that lands on a different day than the sales that made it up.

multi-channel
Shopify Payments, Stripe, and PayPal each pay out on their own schedule. None of them line up with each other or with the calendar month.
miscategorized
If a bundled deposit gets booked straight to "Sales," fees are buried inside revenue and refunds disappear, and the P&L stops reflecting what actually happened.
compounding
The longer it goes unreconciled, the harder and more expensive it is to untangle. Six months behind costs more than two.
What you get

Three files. One clear picture.

01

Reconciled dataset

Every payout matched to its orders, with fees, refunds, and chargebacks broken out. Working formulas, not static numbers, so it's auditable.

02

Exception log

Anything that didn't match cleanly, flagged with exactly what's needed to resolve it. Nothing gets silently estimated.

03

Cash & revenue dashboard

Eight KPIs on one page: gross revenue, net revenue, fees, refund rate, chargeback rate, and the payout-to-bank variance check.

See a real sample summary (PDF) before you send anything.

How it works

Ten business days, three checkpoints.

Day 0

Kickoff

Deposit clears, you send exports: order data and payout reports for every processor you use. No login access required.

Day 3–5

First pass

Each processor reconciled independently in its own clearing account, then flagged exceptions sent back for anything that needs a document I don't have.

Day 10

Handoff

Final payment, then the full package: reconciled dataset, exception log, dashboard, and a one-page summary for your accountant.

The offer

Fixed scope. Fixed price.

Reconciliation Sprint

Up to 12 months of history, all processors included.

  • Shopify, Stripe, PayPal, Amazon: any combination reconciled
  • Reconciled dataset with working formulas
  • Exception log for anything unresolved
  • Cash & revenue dashboard, 8 KPIs
  • One-page executive summary for your accountant
$2,500
Fixed fee. 6–12 months of history. Shorter or longer periods scoped individually.
50% to start (ACH, card, or wire)
50% on delivery
10 business days
Agreement details

What this is, and what it isn't.

Scope
Data reconciliation and organization. This is not bookkeeping, accounting, or tax advice. The output is built for your accountant or bookkeeper's use.
Payment
50% deposit to begin, 50% on delivery. ACH, card, and wire all accepted. No editable files released before final payment clears.
Access
You send exports; no system login or banking credentials are ever requested.
Processing
Reconciliation is AI-assisted using Claude (Anthropic), with every output reviewed and verified by hand before delivery. Model-training use of your data is disabled.
Confidentiality
Covered under a simple NDA, signed before any files are exchanged.
Timeline
10 business days from receipt of complete exports. Incomplete or gapped data may extend the timeline, but that gets flagged immediately, not discovered late.
Questions

Before you reach out.

No. I reconcile and organize the data. Anything requiring tax judgment or legal interpretation goes to your accountant. That boundary is intentional, not a limitation I'm hiding.

That's the normal starting point, not a disqualifier. The exception log exists specifically to surface what's missing rather than paper over it.

A bookkeeper categorizes for tax filing. This is the reconciliation layer underneath that: matching payouts to orders and separating fees, refunds, and chargebacks so whoever does your books has clean source data to work from.

Order exports and payout reports for whichever processors you use, plus bank statements for the same period. A checklist goes out the moment the deposit clears.

Send one payout period. See it reconciled for free.

No obligation, no login access, no sales call required to get started.

Request your free Payout Accuracy Check