# Finance auto reconciliation for marketplaces and online retailers

URL: https://ecomchannels.com/products/finance-reconciliation/
Updated: 2026-10-30

> Reconcile marketplace remittances and settlements against orders automatically, with fee rules and reports. Amazon, eBay, Kogan, Bunnings and more.

Marketplaces pay in batches, net of commissions and fees. eComChannels imports each remittance, matches every line to its order, applies your fee and settlement rules and shows what is paid, short-paid or missing.

matched · short-paid · unmatched

## Features

### Remittance import
Upload or import remittance and settlement files from each marketplace, with a saved import layout per channel.

### Automatic order matching
Each payout line is matched to its sales order and invoice, so only the exceptions need a person.

### Fee and settlement rules
Commission, fee and settlement rules per channel explain the difference between the sale and the payout.

### Exceptions first
Short payments, unmatched lines and unpaid orders are flagged for follow-up.

### Finance dashboard and reports
See receipts, fees and outstanding amounts by channel and period.

### Invoices from orders
Invoices are generated from sales orders, so finance works from the same data as operations.

## Manual work compared with Finance auto reconciliation
Example: 1,000 payout lines from 5 marketplaces in a month.

| | Manual / traditional tools | eComChannels AI |
| --- | --- | --- |
| How | Spreadsheets matched against marketplace reports | Finance auto reconciliation |
| Time | 1.5 minutes per payout line: about 25 hours a month | 12 seconds per payout line: about 3.3 hours a month |
| Effort | Match each payout line to its order, work out commission and fees, and chase short payments line by line. | Lines are matched to orders automatically with fee rules applied. People only review the exceptions. |
| Staff cost | about A$880 a month | about A$120 a month |
Saves about 22 hours and about A$760 of staff time a month, about 87% less time.
Illustrative estimates for a typical retailer, using the task times shown and staff time at A$35 an hour including super. Your results depend on your range, channels and team. The eComChannels subscription is not included; all products are currently on a 30-day free trial.

### Work out your own savings

Interactive savings calculator: choose the work, set a monthly volume and staff cost, and see manual versus eComChannels AI hours and cost (https://ecomchannels.com/products/#calculator).

## How payouts are matched

| Order | Channel | Payout status |
| --- | --- | --- |
| Order #1042 | Amazon | Matched |
| Order #1043 | BIG W Market | Matched |
| Order #1044 | Bunnings | Short-paid |
| Order #1045 | Kogan | Matched |
| Order #1046 | eBay | Not in payout |
Illustration: each payout line is matched to its order, and only exceptions need a person.
## Reconcile payouts from

- [Image: Amazon Australia logo] Amazon Australia
- [Image: Temu (Local Seller) logo] Temu (Local Seller)
- [Image: Woolworths Everyday Market logo] Woolworths Everyday Market
- [Image: BIG W Market logo] BIG W Market
- [Image: Bunnings Marketplace logo] Bunnings Marketplace
- [Image: Kmart Marketplace logo] Kmart Marketplace
- [Image: Decathlon Australia Marketplace logo] Decathlon Australia Marketplace
- [Image: eBay Australia logo] eBay Australia
- [Image: JB Hi-Fi Marketplace logo] JB Hi-Fi Marketplace
- [Image: Country Road Group Marketplace logo] Country Road Group Marketplace
- [Image: Velocity Frequent Flyer Store logo] Velocity Frequent Flyer Store
- [Image: Etsy logo] Etsy
- [Image: Myer Marketplace logo] Myer Marketplace
- [Image: THE ICONIC Marketplace logo] THE ICONIC Marketplace
- [Image: Lasoo logo] Lasoo
- [Image: Temple & Webster logo] Temple & Webster
- [Image: Baby Bunting Marketplace logo] Baby Bunting Marketplace
- [Image: Kogan Marketplace logo] Kogan Marketplace
- [Image: Shopify logo] Shopify The research behind Finance auto reconciliation

## Why it moves the numbers
59%59% of accountants make several financial errors a month, and 18% make errors at least daily, with errors linked to capacity constraints.
[Gartner, Survey Shows That a Third of Accountants Make Several Financial Errors Per Week due to Capacity Constraints, 2024](https://www.gartner.com/en/newsroom/press-releases/2024-02-21-gartner-survey-shows-that-a-third-of-accountants-make-several-error-per-weeo-due-to-capacity-constraints)39%39% of finance functions using AI apply it to anomaly and error detection, and 44% to intelligent process automation.
[Gartner, Survey Shows 58% of Finance Functions Using AI in 2024, 2024](https://www.gartner.com/en/newsroom/press-releases/2024-09-11-gartner-survey-shows-58-percent-of-finance-functions-use-ai-in-2024)30%A generative AI assistant for budget variance insights at a global consumer goods company saved an estimated 30% of finance professionals' time.
[McKinsey & Company, How finance teams are putting AI to work today, 2025](https://www.mckinsey.com/capabilities/strategy-and-corporate-finance/our-insights/how-finance-teams-are-putting-ai-to-work-today)4.8 daysTop-quartile organisations complete the monthly close in 4.8 days or less, about half the time of the bottom quartile (10+ days); the median is 6.4 days.
[CFO.com / APQC, Metric of the Month: Cycle Time for Monthly Close, 2018](https://www.cfo.com/news/metric-of-the-month-cycle-time-for-monthly-close/659297/)Independent studies, linked to their sources. [All research findings](https://ecomchannels.com/research/).

## Guides on finance auto reconciliation
Marketplaces & multichannelMost Amazon Australia referral fees sit between 6% and 15%
### [Marketplace Fees in Australia Compared: Amazon, eBay, Etsy & More](https://ecomchannels.com/insights/australian-marketplace-fees-compared/)
Published seller fees for Amazon, eBay, Etsy, Kogan, Temu and retailer marketplaces in Australia, plus the hidden costs that decide if a channel pays.
5 min read · 8 sources Finance & reconciliation59% of finance functions reported using AI in 2025
### [Automating E-commerce Finance with AI: What Works Now](https://ecomchannels.com/insights/automating-ecommerce-finance-with-ai/)
Where AI and automation help e-commerce finance today, from reconciliation and anomaly detection to forecasting, and how retailers can start safely.
5 min read · 7 sources Finance & reconciliationInadequate cash flow is the most cited cause of business failure in Australian company insolvencies
### [Cash-Flow Forecasting for Online Sellers: A Practical Guide](https://ecomchannels.com/insights/cash-flow-forecasting-online-sellers/)
How Australian online sellers can forecast cash flow when marketplaces pay on different cycles: payout timing, peak stock buys, returns and GST.
5 min read · 8 sources

## Questions about Finance auto reconciliation

### What does marketplace reconciliation mean?
Checking that every order sold on a marketplace was paid for, at the right amount after commission and fees, by matching remittance or settlement lines to orders.

### Which channels can be reconciled?
Any marketplace or store whose remittance or settlement report can be imported, including Amazon, Temu, Woolworths Everyday Market, BIG W Market, Bunnings Marketplace, Kmart Marketplace, eBay, Etsy, Myer Marketplace, THE ICONIC, Lasoo, Temple & Webster, Baby Bunting and Kogan and Shopify.

## Other eComChannels products

- [AI listing optimisation](https://ecomchannels.com/products/ai-listing-optimisation/): AI already trained on each marketplace’s listing rules writes titles, bullet points, descriptions and attributes, and your team approves them before they go live.
- [AI graphics](https://ecomchannels.com/products/ai-graphics/): AI already trained on every marketplace’s image rules produces product images, infographics and lifestyle shots, with one approval per image set.
- [AI auto shipping](https://ecomchannels.com/products/ai-shipping/): Book Australia Post, StarTrack, CouriersPlease and Allied Express from one screen, with labels, manifests and tracking sent back automatically.
- [Order management (OMS)](https://ecomchannels.com/products/order-management/): One queue for every order and one stock figure for every SKU, across all your marketplaces and stores.
- [AI social media outreach](https://ecomchannels.com/products/ai-social-media-marketing/): AI plans and writes posts for Facebook, Instagram, TikTok, YouTube, LinkedIn, Pinterest, X, Threads and RedNote, then publishes after approval.
- [Branded storefronts](https://ecomchannels.com/products/storefronts/): Your own fast, search-friendly web store, with products, prices and stock fed by the OMS.
## See eComChannels in action
Book a live demo and our team will walk you through the products using your own channels and workflow. All products are currently available on a 30-day free trial.