Retail & eCommerce

Sales aren’t profit. Know your real margin.

Every click, sale, refund, and payout changes cash flow. Totalis reconciles the chaos—fees, chargebacks, taxes, payroll—so your numbers tell the truth.

See your real margin What we fix

Merchant fees (the drip)

  • 2–4% looks small until it’s $30K+/yr on modest volume.
  • Rate creep and hidden add-ons silently reduce profit.

Chargebacks & refunds

  • Unposted refunds = false profit on paper.
  • Chargebacks >1% risks processor freezes and higher rates.

Gift cards are liabilities

  • You sold an IOU—book to liability, not revenue.
  • Untracked breakage & redemptions distort margin.

Sales tax ≠ deposited

  • Collected tax is held liability until filed.
  • Multi-state nexus errors trigger penalties & notices.

Dropship & marketplace margins

  • No inventory ≠ high margin. Fees, returns, ads, shipping—add them all.
  • Platform numbers ≠ accounting numbers—reconcile payouts daily.

What we put in place

A/P safeguards

Approvals, 3-way match, duplicate/fraud catch, vendor onboarding, and calm payment runs.

A/R & payouts

Shopify/Stripe/Amazon/PayPal payouts matched to orders. Wholesale invoices tracked and collected.

Merchant fees & refunds

Fee audits, refund + chargeback control, and daily reconciliation so platform profit matches reality.

Sales tax & nexus

Registrations, deposits, and returns—state & local—so collected tax doesn’t become penalty.

Payroll & HR

Multi-state payroll, shifts/OT, garnishments, and a monthly close you’ll actually read.

A/P the safe way

  • Vendor onboarding + bank verification.
  • 3-way match + duplicate detection.
  • Role-based approvals; scheduled runs.

A/R & payouts

  • Daily payout → order reconciliation (Shopify/Stripe/Amazon/PayPal).
  • Aging/collections rhythm for wholesale.
  • Deposits for events/bulk orders.

Fees & refunds

  • Refund & chargeback log ties to orders.
  • Fee audit + renegotiation support.
  • Margin report that matches the bank.

Sales tax & nexus

  • Track nexus; register new states.
  • Deposit calendar; file on time.
  • Archive confirmations for audit trail.

Payroll you can trust

  • Multi-state deposits & returns.
  • OT math, bonuses, garnishments.
  • Monthly close & owner recap.

Retail ROI — find your hidden costs

Adjust the sliders—see fees, refunds/chargebacks, reconciliation time, and payroll overhead. This is directional, not tax advice.

Inputs

Advanced

Estimated impact

  • Refunds (now)$0
  • Chargebacks (now)$0
  • Merchant fees (now)$0
  • Reconciliation labor (now)$0
  • Payroll overhead (now)$0
  • Total monthly leak$0
  • Net after Totalis fee$0
  • ROI (monthly)0×
  • Break-even fee (per month)$0
  • Payback time (days)0
  • ROI (annualized)0×

We’ll send your benchmark and a short playbook to reduce silent margin leaks.

Download + Schedule

Retail Profit Audit Checklist

Daily/weekly/monthly steps to reconcile platform profit to real profit—refunds, fees, taxes, and payroll.

Download (PDF)

What changes in 30–90 days

“Shopify said profit, the bank said otherwise. Totalis found 4% in fees and unposted refunds in month one.”

— DTC apparel brand

“We finally trust our numbers—chargebacks matched, fees right-sized, and sales tax off our mind.”

— Lifestyle retailer

“Dropship margins looked fine until returns and shipping hit. Now we price with real COGS.”

— Amazon reseller
Try the calculator See your plan

FAQs

Do you integrate with Shopify, Stripe, Amazon Seller Central, PayPal, etc.?

Yes. We reconcile platform payouts to orders and to your GL so platform profit matches bank reality.

We’re dropship / Amazon resellers—no inventory. Is this still useful?

Yes. Fees, returns, chargebacks, ad spend, and shipping define your margin—we surface the truth daily.

Can you handle sales tax registrations and filings (multi-state)?

Yes. We track nexus, register new states, manage deposits and returns, and archive confirmations.

Do you replace our bookkeeper, or work with them?

Either. We can partner with your CPA/bookkeeper or run end-to-end as your outsourced Accounting & Finance team.

Why automate A/P and A/R?

It reduces errors/fraud, smooths cash flow, and frees owner time. Automation plus oversight beats manual checks.

Can you run payroll too?

Yes—multi-state payroll, OT/bonuses/garnishments, and monthly close with owner recap.

Talk to a specialist

Ready for profit clarity?

We’ll reconcile platform profit to real profit—and build a monthly rhythm you can trust.

Book a consult