Bank reconciliation, done for you Stripe payout matched to its invoice Check deposit in QuickBooks Undeposited funds cleared to zero PayPal payment, sorted Cash receipt sent Books closed for the day ACH file ready Bank reconciliation, done for you Stripe payout matched to its invoice Check deposit in QuickBooks Undeposited funds cleared to zero PayPal payment, sorted Cash receipt sent Books closed for the day ACH file ready
Reconciliation · Invoicing · Payments

Reconcile every payment. Even the messy ones.

Bank reconciliation, invoicing, and payments — all in one place. Take cash, checks, Stripe, and PayPal. Watch them land in Xero or QuickBooks on their own. Clear undeposited funds to zero, every day.

ePayUs ON ←→ ePayUs OFF
Book a 30-min demo Pricing & Plans
Stripe payoutCard
$4,820.50
Henderson LLC · Invoice #2841 · Matched, fees logged
→ XeroReconciled
Paper checkMailed in
$8,200.00
Riverside Medical · Deposit slip done. Trail intact.
→ QuickBooksReconciled
Cash depositTue AM
$1,575.00
Cooper Insurance · Counted, recorded, deposited.
→ XeroReconciled
Undeposited fundsEOD
$0.00
Everything cleared. Bank matched. End of day, done.
Daily targetHit
5types
Cash, checks, Stripe, PayPal, ACH — all in one flow
2ledgers
Works with both Xero and QuickBooks. Same workflow for both.
60min
Syncs every hour. Runs while you sleep.
$0
Undeposited funds hit zero every single day.
Sticky note · 9:47 AM Where did the $4,200 check from Mercer go?
Spreadsheet row 247 EFT — no reference number?? ask Janet later
Email subject line “Re: re: re: cash deposit from Tuesday”
Friday 6:12 PM Still reconciling. Books closing Monday.
The problem

Real businesses don’t get paid in just one way.

Stripe handles cards. QuickBooks handles books. But what about the check that came in the mail? The cash from Tuesday? The EFT with no reference? Most tools pretend those don’t exist. Your team has to clean it up — usually on a Friday night.

01
Paper checks break the system.Xero and QuickBooks have smart AI for digital payments. They can’t help with a paper check. So checks and cash end up in spreadsheets — and then get keyed in by hand.
02
Stripe fees never line up.Stripe takes its cut before depositing. So the bank shows the net, not the gross. You spend hours each month tracking down the difference.
03
Undeposited funds keep piling up.Without daily reconciliation, the clearing account never hits zero. Then month-end becomes a marathon to figure out what’s actually been paid.
How it works

One pipeline. Every payment.

Every payment — digital or paper — runs through the same flow into Xero or QuickBooks. Set it up once. It runs on its own from there. And you can turn it off anytime.

Input · 01
Stripe
& Cards
Synced every hour, fees split out
Input · 02
Paper
Checks
Web form, deposit slip, done
Input · 03
Cash
Deposits
Receipts and slips, all set
Input · 04
PayPal
& EFT
Direct sync, ACH too
ePayUs
Output
Xero
ledger
Sorted, fees mapped
Output
QuickBooks
ledger
Sorted, fees mapped
End of day · Every day, on its own
Undeposited funds → $0.00
What you get

A whole back office
in six features.

Invoicing, payments, bank reconciliation, AR automation, and check printing. One platform that plugs into the Stripe, PayPal, Xero, and QuickBooks accounts you already use.

01 · Invoicing

Send an invoice in one click

Branded PDF invoices with a pay-now link. When the customer pays, the invoice marks itself paid in Xero or QuickBooks. No more checking and updating by hand.

  • PDF + email delivery
  • Pay-now link on every invoice
  • Status updates on their own
02 · Accept payments

Stripe and PayPal, sorted

Take credit cards and PayPal through their own secure rails. Stripe fees get logged as their own expense, so your gross sales stay accurate. No more chasing the difference.

  • Stripe and PayPal built in
  • Fees recorded separately
  • Gross sales stay accurate
03 · Checks & cash

The paper world, handled

Customers can print checks from a web form. Deposit slips and receipts get made for you. And yes — ACH file generation is included, so the bank trips get easier too.

  • Web-form check creation
  • Deposit slips done for you
  • ACH file output
04 · Receipts

Every dollar accounted for

Branded receipts go out the moment a payment lands. Customer details, policy numbers, whatever you need — emailed, printed, or both. All searchable later.

  • Sent on every payment
  • Email and print options
  • Custom fields per business
05 · Payment pages

Branded pages, as many as you want

Build a payment page for any product, service, or event. Public or private. Matches your brand. No developer needed — just point and click.

  • Unlimited pages
  • Public or private
  • Your brand, your way
06 · Reconciliation

Bank reconciliation, on its own

Map your accounts in Xero or QuickBooks once. Then every payment — card, check, cash, PayPal, EFT — flows through your clearing account and lands where it should. Daily zero balance.

  • Works with Xero and QuickBooks
  • Contacts mapped for you
  • Daily $0 clearing
Honest comparison

Xero and QuickBooks are great. But neither does this.

Both have great AI reconciliation — for digital payments. Neither handles paper. Neither gives you one workflow that works across both. That’s where we come in.

Xero or QuickBooks alone

A great ledger. Half the answer.
  • ×Paper checks need to be entered by hand
  • ×Cash deposits live in spreadsheets outside the system
  • ×Stripe fees don’t match the bank — manual fix every month
  • ×Half your clients on each — two workflows to learn
  • ×Undeposited funds account piles up week after week
  • ×No ACH file generation built in

Xero or QuickBooks + ePayUs

Your ledger, plus what was missing
  • ✓Paper checks handled — web form to deposit slip
  • ✓Cash deposits tracked with a full trail
  • ✓Stripe fees logged separately, gross sales stay clean
  • ✓One workflow for both ledgers — train staff once
  • ✓Undeposited funds hit $0 every single day
  • ✓ACH files generated for you
ePayUs
Receipt · No. 0001
Friday afternoon

“Imagine leaving the office on a Friday at 5, knowing every dollar is in the right place.”

CashReconciled
ChecksReconciled
Stripe and PayPalReconciled
Month-end closeMinutes, not days
End-of-week feelingPretty good
Honest answers

The questions everyone asks first.

What if I want to stop using ePayUs?
Easy — flip a switch and we step aside. ePayUs is a connector, not a replacement. Your Stripe stays your Stripe. Your Xero or QuickBooks stays exactly as it was. Your data lives in those systems, not ours. Turn ePayUs off and everything keeps working. The only thing you lose is the reconciliation running on its own. No data to move, no contract to break, no fee to pay.
Do I have to change anything I’m using now?
No. ePayUs sits on top of what you already have. Keep Stripe. Keep PayPal. Keep Xero or QuickBooks. We just make them talk to each other on their own — and we add a workflow for the cash, checks, and EFTs they don’t handle by themselves.
What if I don’t have Stripe or Xero/QuickBooks yet?
Signing up for Stripe takes about 10 minutes. Same with Xero or QuickBooks Online. We’ll walk you through it on the demo call. They’re both standard tools, free or cheap to start, and you’d want them whether you use us or not. Once you’re set up, we can connect everything in under an hour.
How long does setup take?
Under an hour, start to finish. Set up your company info. Connect Xero or QuickBooks. Map your bank and clearing accounts. Turn on the payment methods you want. Run a test. Go live. That’s it — the system takes over from there.
Does it really work with both Xero and QuickBooks?
Yes. That’s one of the things that makes us different. One workflow runs both. Your team learns it once. Whether a client uses Xero or QuickBooks Online, the experience is the same.
How are Stripe fees handled in the books?
The right way. Stripe takes its fee before depositing, which is what makes the math hard. We log the full sale as revenue and the Stripe fee as its own expense. Your bank deposit reconciles cleanly, and your gross sales stay accurate. No manual journal entries needed.
How do paper checks and cash actually work?
Customers print checks from a web form using templates we built in — personal or business, plus the deposit slips. Cash deposits get the same treatment: deposit slips, branded receipts, and a full trail. It all runs through the same clearing-account flow as digital payments.
How secure is my data?
Payments run through Stripe and PayPal — we never store raw card data ourselves. Bank-level encryption in transit and at rest. Each user gets a role, and every action gets logged. SOC 2 work is in progress.
No lock-in · No fuss

Easy to turn on.
Even easier to walk away.

ePayUs doesn’t replace anything you use. It just makes your tools talk to each other. Your Stripe stays Stripe. Your Xero stays Xero. Your QuickBooks stays QuickBooks. We’re the connector in the middle.

Trying us isn’t a big business decision. It’s a setting. Turn it on, the reconciliation runs itself. Turn it off, your tools go back to working the way they did before. No data to move. No lock-in. Nothing new for your team to learn.

✓
Already on Stripe and Xero or QuickBooks? Connect them, map your accounts once, you’re live in under an hour.
✓
Not on them yet? Signing up takes minutes for each. We’ll walk you through it on the demo call.
✓
Want to leave later? Just turn us off. Your Stripe and accounting data stay where they are — they just stop talking to each other through us.
✓
Nothing to move. Nothing to lose. We’re a layer, not a replacement. Your business runs the same — just without the manual reconciliation work.
ePayUs Control Panel
Your tools — connected
S
Stripe → Xero
P
PayPal → QuickBooks
e
Cash & checks → both
→
Daily clearing to $0
See what’s going on? No “switch payment processors.” No “import your books.” Each toggle just connects tools you already have. Flip them off and everything keeps working — without us in the middle.
Limited demo slots

So where
do you sign up?

Right here. 30 minutes, a real conversation, and we’ll show you how ePayUs plugs into the Stripe, PayPal, Xero, and QuickBooks accounts you already have. And how easy it is to walk away if it’s not for you.

30-minute walkthrough — no slides
No pressure, no sales script
Founder-led, talks to your tech team
No data to move
Try it on one client first
We’ll reply within a business day
One step
Book your demo

Tell us a bit about you. We’ll reply within one business day.

Contact Form Demo
No credit card No lock-in 30 minutes
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Reconciliation & Workflow Insights

Practical guides on paper checks, clearing accounts, and fee splits. Sent bi-weekly.

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ePayUs

Non-custodial bank reconciliation, check batching, and clearing connector engineered for Xero and QuickBooks Online.

Zero Data Lock-In Architecture

Product & Rails

Compliance & Legal

Security & Access

Financial & Legal Regulatory Disclaimers: ePayUs operates solely as an automated software connector and data-mapping engine. ePayUs is not a chartered bank, depository institution, money services business (MSB), or licensed public accounting firm. Digital payment card rails are conducted directly via PCI-DSS certified processors (Stripe, PayPal). Physical check generation and batch deposit slips are subject to user compliance with the Federal Reserve Check 21 Act, UCC Articles 3 & 4, and receiving bank specifications. All accounts, balances, and reconciliations are finalized within the Subscriber’s third-party general ledger.
© 2026 ePayUs, Inc. All rights reserved.
Terms • Privacy • Standard NDA •

Financial & Legal Disclaimers

1. Non-Banking Notice: ePayUs, Inc. does not accept deposits, hold custodial escrow, transmit money, or issue currency. Payment gateway interactions are executed via third-party providers (Stripe, Inc. and PayPal, Inc.).

2. Check 21 & Remote Deposit: Users formatting check drafts or bank deposit slips warrant that they have secured valid payor authorization conforming to UCC Article 3 and bank Remote Deposit Capture (RDC) guidelines.

3. Reconciliation Disclaimer: While ePayUs provides automated rules to clear undeposited funds to $0.00, subscribers retain ultimate responsibility for verifying the accuracy of tax classifications, journals, and bank reconciliations filed within Xero or Intuit QuickBooks Online.