Bank reconciliation, automated for you Stripe payout matched to gross invoice Check deposit slips prepared for teller Clearing accounts balanced upon settlement PayPal payment fees separated Automated NACHA batch export Xero and QuickBooks clean ledger sync Bank reconciliation, automated for you Stripe payout matched to gross invoice Check deposit slips prepared for teller Clearing accounts balanced upon settlement PayPal payment fees separated Automated NACHA batch export Xero and QuickBooks clean ledger sync
Reconciliation · Invoicing · Payments

Reconcile every payment. Even the messy ones.

Reconcile every payment — including checks and cash. Capture payment details, separate processor fees, prepare bank-ready deposit slips, and sync clean records into Xero or QuickBooks. Clearing accounts balance out upon verified settlement.

Book a 30-min demo Pricing & Plans
Stripe payoutCard
$4,820.50
Henderson LLC · Invoice #2841 · Fee separated
→ XeroMatched
Paper checkMailed in
$8,200.00
Riverside Medical · Deposit slip done · Audit trail safe
→ QuickBooksMatched
Cash depositTue AM
$1,575.00
Cooper Insurance · Counted, grouped, batch slip ready
→ XeroMatched
Undeposited fundsEOD
$0.00
Mapped deposits matched to bank feed
SettlementBalanced
5rails
Cash, paper checks, Stripe, PayPal, ACH — unified intake
2ledgers
Engineered for Xero and QuickBooks Online workflows
60min
Automated hourly background data sync
$0
Clearing accounts reset to zero upon matched settlement
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 and Xero manage ledgers. But what about the check that arrived by mail, or the lump-sum teller deposit? Traditional systems record entries, but leave manual intake and matching to you on Friday afternoon.

01
Manual paper check preparation.Xero and QuickBooks can record check payments, but capturing payer details, preparing deposit slips, and matching grouped bank deposits often remains manual and fragmented.
02
Stripe processor fee discrepancies.Stripe takes its fee before depositing the payout. The bank feed reflects the net amount while invoices reflect gross sales, forcing bookkeepers into repetitive fee journals.
03
Bloated clearing balances.Without structured batch preparation, undeposited funds carry unverified balances for weeks, turning month-end close into forensic detective work.
How it works

One pipeline. Every payment.

Every payment — digital or paper — flows through the same structured intake into Xero or QuickBooks Online. Set up your mapping once and let the engine balance the records.

Input · 01
Stripe
& Cards
Hourly sync, gross & fee split
Input · 02
Paper
Checks
Fast intake, bank deposit slip PDF
Input · 03
Cash
Deposits
Receipts, batch slip, audit log
Input · 04
PayPal
& ACH
Automated NACHA batch export
ePayUs
Output
Xero
ledger
Matched entries, fee accounts
Output
QuickBooks
ledger
Matched entries, fee accounts
End of day · Automated ledger alignment
Undeposited funds upon settlement → $0.00
What you get

A complete back office
in six core capabilities.

Invoicing, multi-rail intake, bank reconciliation, and automated fee splits. Plugs directly into your existing Stripe, PayPal, Xero, and QuickBooks Online accounts.

01 · Invoicing

Send invoices with instant pay links

Deliver branded PDF invoices with secure online payment links. When your customer settles the balance, the transaction marks itself paid across your accounting records.

  • PDF & email delivery
  • Pay-now link on every invoice
  • Automatic invoice status updates
02 · Digital payments

Stripe and PayPal, properly isolated

Accept cards through standard merchant rails. Processing fees are automatically routed into dedicated expense accounts so your gross revenue figures match customer billings.

  • Native Stripe and PayPal connections
  • Merchant fees recorded separately
  • Accurate gross revenue reporting
03 · Checks & cash

The paper world, structured

Staff enter check details into a standardized intake form; ePayUs automatically compiles bank-ready deposit slip PDFs and formats NACHA batch files for commercial bank portals.

  • Standardized check intake form
  • Printable bank deposit slip PDFs
  • NACHA compliant ACH file export
04 · Receipts & audit

Every dollar traceable

Branded receipts generate immediately upon intake. Record client references, policy numbers, or memo notes. Search, retrieve, or export payment history during tax season.

  • Issued upon verified payment
  • Email and printable PDF formats
  • Permanent search & audit metadata
05 · Payment portals

Hosted payment pages, ready in minutes

Create secure payment links for specific retainers, projects, or recurring billing. Matches your business branding without writing a single line of custom code.

  • Hosted payment URLs
  • Public or private links
  • Direct ledger destination mapping
06 · Reconciliation

Bank reconciliation, pre-matched

Map clearing accounts once. Payments flow through your holding ledger and match incoming statement lines cleanly, bringing your clearing balance to $0.00 upon settlement.

  • Compatible with Xero & QuickBooks
  • Automated account mapping
  • Clearing balances settle cleanly
Direct comparison

Xero and QuickBooks are exceptional ledgers. Here is where we bridge the gap.

Both platforms excel at ledger accounting. ePayUs provides the front-end intake layer that prevents messy paper transactions and merchant deductions from corrupting your books.

Xero or QuickBooks alone

Core general ledger alone
  • ×Paper check details manually transcribed from desk piles
  • ×Cash deposits tracked informally outside the software
  • ×Stripe fee deductions require manual journal adjustments
  • ×Different client workflows between Xero and QuickBooks
  • ×Undeposited funds carry unverified balances for weeks
  • ×No commercial NACHA batch format generator

Xero or QuickBooks + ePayUs

General ledger with automated intake
  • ✓Standard intake screen to bank-ready deposit slip PDF
  • ✓Cash deposits recorded with full memo & audit history
  • ✓Processor fees separated automatically into expense accounts
  • ✓One standardized intake workflow across all organizations
  • ✓Clearing accounts settle to $0.00 upon verified bank deposit
  • ✓Direct NACHA-compliant ACH file export
ePayUs
Receipt · No. 0001
Friday close

“Imagine leaving the office on a Friday at 5 PM, knowing every check, cash deposit, and card payout is properly categorized.”

Cash depositsBatch matched
Paper checksDeposit slips generated
Stripe & PayPalFees separated
Bank reconciliationCleanly aligned
Clearing balance$0.00
Questions & Answers

Frequently asked questions.

What happens if I stop using ePayUs?
ePayUs is a non-custodial connector, not a closed data warehouse. Your Stripe account remains yours, and all transactions synced to Xero or QuickBooks Online remain permanently inside your ledger. If you turn off ePayUs, your financial software continues operating as usual without historical data loss or migration penalties.
Do I need to migrate or replace my existing accounting software?
No. ePayUs integrates directly with your existing setup. Continue using Stripe, PayPal, Xero, or QuickBooks Online. We provide the operational intake pipeline for cash, checks, and fee splits before they post to your ledger.
How does setup work for new accounts?
Setup takes less than an hour. Connect your Xero or QuickBooks organization via secure OAuth, map your bank and clearing accounts, and configure the payment intake methods your team needs.
Does ePayUs support both Xero and QuickBooks Online?
Yes. Bookkeeping practices can standardize intake across their entire firm, using a uniform workflow whether a specific client operates on Xero or QuickBooks Online.
How are Stripe fees recorded in the ledger?
When an invoice is paid via Stripe, ePayUs posts the full invoice value to sales revenue and routes the merchant fee to a dedicated processing expense account. When the net payout hits your bank feed, it matches the deposit without manual journal calculations.
How does paper check intake work?
Staff enter check details and payer information into a simple web intake screen. ePayUs formats a bank-ready deposit slip (PDF) and batches the payments, allowing teller drop-offs to match the eventual bank feed total.
Does ePayUs hold customer funds?
No. ePayUs is strictly a non-custodial data routing platform. All funds flow directly through your existing merchant gateway or bank deposit accounts. We never hold, pool, or touch your money.
Non-Custodial Architecture

Easy to connect.
Zero data lock-in.

ePayUs sits between your intake channels and your general ledger. Your data lives in Xero or QuickBooks Online, not inside a proprietary silo.

Every synced transaction, deposit slip reference, and fee expense line remains permanently written to your accounting software. Disconnecting the platform simply stops automated matching without disrupting your books.

✓
Connected via standard APIs Integrates with Xero and QuickBooks Online via verified developer authorization.
✓
Staff stay out of accounting settings Intake screens let team members record payments without exposing charts of accounts.
✓
Permanent audit trail Every check number, payer detail, and batch slip reference remains documented.
ePayUs Active Integrations
Connected Rails
S
Stripe → Xero / QBO
P
PayPal → Xero / QBO
e
Checks & Cash → Deposit Slips
→
Daily Clearing to $0.00
Direct data routing: Toggle switches reflect connected workflows. Your software remains the permanent source of truth for all reconciled financial statements.
Live Walkthrough

Schedule a 30-minute
technical demo.

Explore how ePayUs standardizes check intake, automates bank deposit slips, and separates merchant fees inside your Xero or QuickBooks Online account.

30-minute practical walkthrough
No high-pressure sales scripts
Direct technical discussion on your workflow
Test with a single client organization first
Response within one business day
Direct Contact
Book your demo

Share your details and we will reply within one business day.

Contact Form Demo
No credit card required Non-custodial software Fast setup
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Practical guides on paper checks, clearing accounts, and fee splits delivered straight to your inbox.

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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.