Connect the services your business already uses.

Plaid

Connect your bank in a few steps. Plaid works with around 10,000 US banks and credit unions.

• You sign in on your bank's own screen inside Plaid's window. Neo-Capital never sees your bank password and does not store any bank login.
• Each bank account is linked to one of your accounts with a start date, so turning on a feed will not duplicate statements you already imported.
• New transactions come in automatically and wait on the Review page, and nothing is added to your books until you approve it.
• Plaid charges a monthly fee for each linked bank. On Online and with Connected, we pay that fee.

SimpleFIN

Connect your bank through SimpleFIN for about $15 a year, paid to SimpleFIN.

• On Desktop without Connected, SimpleFIN is how you connect a bank. It also reaches some banks that Plaid does not, and some people prefer to manage their own bank connection.
• A business can use both Plaid and SimpleFIN. Use whichever one works with your bank.

Shopify

Each payout is split into sales, sales tax and fees.

• Each payout is split up. Gross sales go to revenue, sales tax goes to the tax you owe, and the processor's fee goes to a deductible expense.
• The net deposit is matched to the deposit in your bank feed, so the money is counted only once.
• Many businesses pay for a separate tool, such as A2X or Synder, to do this.

Amazon

Each settlement is split into sales, the tax Amazon collected, and fees.

• Neo-Capital uses Amazon's settlement report for each deposit. Your books show gross sales and Amazon's fees, and the deposit is recorded as a transfer that matches your bank transaction.
• In most states, Amazon collects and pays the sales tax itself. Neo-Capital records that tax so it balances to zero, and your books correctly show that you don't owe it.
• The lines must add up exactly to the deposit Amazon reports. If they don't, the import stops and nothing is posted.

Etsy

Your sales, fees and deposits come from your Etsy payment account.

• Etsy's payment account ledger shows each sale, each listing and transaction fee, and each deposit to your bank.
• Fees are recorded as deductible expenses, and each deposit is matched to the transaction in your bank feed.
• Neo-Capital checks its totals against Etsy's running balance. If they differ by even one cent, nothing is imported.

Stripe

Charges, refunds and fees are recorded separately.

• A payout equals your sales minus fees and refunds. Neo-Capital records all three, so your Profit and Loss shows your actual sales.
• It needs only a restricted, read-only key, which you can revoke from your Stripe dashboard at any time.

Square

Card, cash and gift card sales are recorded separately.

• Payouts are split the same way as Stripe, and each payment type is kept separate, so cash sales and card sales go to different accounts.
• Processing fees are posted to their own expense account.

PayPal

Up to three years of history, with the fee on every transaction.

• PayPal provides up to three years of transactions, so if you switch partway through the year you won't have a gap.
• Each transaction includes its fee, which is easy to miss when you reconcile PayPal by hand.

Meta Ads

Daily Facebook and Instagram ad spend, shown next to your sales.

• Your spend appears on the Operational Dashboard on the day you spent it, next to that day's sales and product costs, so you can see each day's profit.
• It needs only a read-only system user token. Each sync checks the last 30 days again, because Meta sometimes updates recent figures.
• Nothing is posted to your books, because the card charge already comes in through your bank feed.

Google Ads

Daily Google ad spend, on the same dashboard as Meta.

• Cost, impressions and clicks per day, synced every six hours and dated the day you spent it, not the day Google charged your card.
• Google asks for the most setup of any connection: your own developer token and OAuth client, then a Google sign-in. The card in the app walks through each step.
• When you connect Google Ads, it replaces any spend you entered by hand for those days, so nothing is counted twice.

Gusto

Each payroll is posted as one journal entry, using your own accounts.

• Gusto's free General Ledger Mapper matches payroll to a chart of accounts that you upload once, so you decide which accounts payroll is posted to.
• Wages, employer taxes, benefits, deductions and net pay all come through, and can split by job, department or project. Contractor payments export the same way.
• Debits must equal credits exactly, and every account must exist in your books. If either check fails, nothing is posted.

Claude · OpenAI · Gemini

Optional. Add your own AI key to read receipts that are hard to scan.

• Neo-Capital reads the PDF's own text first, then uses free text recognition on your device. An AI model is used only for documents those two steps cannot read.
• On Online, you don't need a key to ask questions about your books. You can connect your own Claude or ChatGPT account to Neo-Capital instead.

Neo-Capital AI handles large jobs such as categorizing, matching and finding deductions, and you don't need your own API key.

• You don't need an API key or an AI provider account. Each plan includes credits: 200 on AI ($19 a month), 600 on AI Growth ($49 a month) and 1,800 on AI Advanced ($129 a month).
• If you run out during the month, you can buy a one-time Credit Pack: 500 credits for $40 or 2,000 credits for $150. A pack does not change your plan or renew, and the credits never expire.
• Large jobs, such as reviewing thousands of transactions, run in batches. This keeps the cost low, so we can offer AI as a flat monthly price instead of charging per use.
• Every change it suggests is shown to you first, and nothing is added to your books until you approve it.

Send invoices, statements and receipts from Neo-Capital.

• The invoice PDF is attached. If you use Get Paid, the email also includes a payment link, so your customer can pay from their inbox.
• You can send statements to many customers at once, and send estimates, sales receipts and payment receipts the same way.
• We send the email with your business name on it and your own address as the reply-to address. Because it comes from our domain, it passes SPF and DKIM checks and is less likely to go to spam. Replies go to you.

Manage Facebook and Instagram ads and see your spend next to your sales.

• Manage campaigns, ad sets and creative in one place. Ads does not post anything to your books, because the card charge comes in through your bank feed.
• You can set rules that pause or scale campaigns when conditions you choose are met. Every automatic action is logged and can be undone.
• Ads runs separately from the books assistant. The assistant cannot access the internet, but Ads has to, so we keep them apart to protect your books.