And this is how it works...
Principle
The basic rule on Accounto is that a transaction needs a receipt with an identical amount.
Depending on how the provider is billed, the receipts must therefore be uploaded. If there is only one credit note per month, a monthly credit note with the same amount must be uploaded accordingly so that the transaction can be reconciled.
Example TWINT & booking rules
With TWINT, one transaction is sometimes created per credit. Accordingly, either a receipt can always be uploaded for each transaction, or a booking rule can be created which automatically posts TWINT transactions to a revenue account or specially set up TWINT account.
If a posting rule is to be used in general, the following procedure can be followed:
Open a new flow account 10xx in the chart of accounts. (e.g.: 1095 Paypal pass-through account).
Upload the receipts via the mobile app and select the category "others" (other) so that these receipts are NOT booked by Accounto but only serve as storage for you.
Create a posting rule so that the credits are not booked to the pass-through account 1095. These are the debits from the Paypal account to the bank account (withdrawals).
Either specify an opening balance for this account 1095 in the chart of accounts or create a manual posting.
Fees that are incurred are booked manually Debit 6900 to Credit 1095
The resulting total is the revenue and can be posted to a revenue account on a monthly basis.
Since the TWINT statement is not sent as a PDF, you cannot upload this file to Accounto. However, it behaves basically the same as in the above example except that the document is not uploaded.
The total of the charges is booked manually on the pass-through account. Since TWINT transfers the net amount minus fees on the bank. Example 300 CHF turnover via TWINT minus 10 CHF fees is equal to 290 CHF credit on the bank.
Special feature Stripe
With Stripe, fees are deducted again for each transfer from the Stripe account to the bank (these are not the fees incurred for each transaction). These fees must then also be manually booked to the pass-through account.
The bank credit is also automatically posted to the pass-through account again with a posting rule (see "TWINT example" above).
❗ Thus can be summarized:
Create a pass-through account for each provider.
Create booking rules that automatically book the bank credits to the pass-through account.
Manually book the fees that are incurred for each transaction and each debit to the bank account. This can be done once a month
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