Holdings for E-Commerce

Know your real margins. Not just your Shopify payout.

Free business banking that earns 1.75% APY. Add accounting ($25/mo) and every transaction auto-categorizes — COGS, fees, shipping, returns — with a live P&L so you always know what you're actually keeping.

Available Balance

• Total Available Balance: $48,250.00
• Operating: $31,400.00
• Tax reserve: $11,850.00
• Profit: $5,000.00

Free invoicing · accounting $25/mo

Your Shopify dashboard tells you revenue. Holdings tells you profit.

Gross revenue is the number that looks good in screenshots. What actually matters is what's left after platform fees, shipping, returns, ad spend, and COGS. Most e-commerce sellers don't know their real margin until their accountant sends a bill in March.

Holdings connects to your business account, categorizes automatically, and shows you a live P&L — so you know your real numbers every day, not just once a year.

Built for sellers who want to know their numbers.

Free business checking — 1.75% APY

Your payouts land here. Your balance earns interest. No monthly fees, no minimums, FDIC insured to $3M.

Automatic bookkeeping

Transactions categorize themselves — Shopify payouts as revenue, ad spend as marketing, shipping as COGS. Rules apply automatically so you're not recategorizing the same thing every month.

Live P&L and Balance Sheet

Revenue, cost of goods, operating expenses, net profit — updated as money moves. Know your margin today, not at year-end.

Invoices + payment links

For wholesale orders, B2B customers, or custom work — send professional invoices with payment links.

CPA-ready exports

Share view-only access or export to CSV, QuickBooks, or Xero. Your accountant gets clean data, not a mess to sort out.

Frequently asked questions

• Does Holdings connect to Shopify or Amazon directly?
• How do I handle COGS tracking?
• Can I separate ad spend from other operating expenses?

Know what you're keeping, not just what you're making.

What Our Customers Say

Great communication and support. The team is always there for us! Transactions are easy and simple, freeing up valuable time spent with other banks trying to get wires and transfers released.
— Verified Trustpilot Review, Mar 2025

Application was easy, smooth, and fast. Enjoying the simple user interface and looking forward to exploring even more.
— Verified Trustpilot Review, Apr 2025

Application and banking interface is easy to use. Allows you to get on with your day.
— Verified Trustpilot Review, Mar 2025

Close your books monthly in 30 minutes

The Ecommerce Bookkeeping Checklist — marketplace reconciliation, COGS tracking, margin calculation, and multi-state sales tax.