Retail Bank Statement Converter
Convert retail bank statements to Excel/CSV instantly. Perfect for multi-location stores, e-commerce businesses, and retail chains. Track sales by location, reconcile POS systems, and manage merchant fees.
Built for Retail
Multi-store accounting, POS integration, and merchant fee tracking
Retail Finance Challenges
Retail businesses face unique accounting complexities—from managing multiple store locations and reconciling POS systems to tracking inventory purchases and merchant fees across various payment processors.
Multi-Store & Multi-Account Reconciliation
Tracking sales, inventory purchases, and expenses across multiple store locations with separate bank accounts while maintaining consolidated financial reports
POS & Payment Processor Integration
Reconciling daily sales from Square, Shopify, Stripe, and other payment processors with bank deposits while accounting for merchant fees and chargebacks
Inventory & Cost of Goods Tracking
Matching vendor payments from bank statements with inventory purchases to accurately calculate cost of goods sold and maintain proper inventory valuation
Sales Tax Collection & Remittance
Tracking sales tax collected across different jurisdictions from multiple sales channels and ensuring proper remittance to state and local authorities
Merchant Fee Categorization
Properly categorizing and tracking merchant processing fees, chargeback costs, and payment gateway charges across different payment methods
E-commerce & Brick-and-Mortar Consolidation
Combining financial data from online sales platforms (Shopify, WooCommerce, Amazon) with physical store transactions for unified reporting
How Zera Books Simplifies Retail Accounting
Zera Books automates the most time-consuming parts of retail bookkeeping—extracting transaction data from bank statements, organizing by location, and preparing files for your accounting software.
Instant Bank Statement Extraction
Upload PDF bank statements from any retail account and get clean, accurate transaction data in seconds with 99.6% accuracy
Multi-Location Account Handling
Process statements from multiple store locations and bank accounts, automatically organizing transactions by location for consolidated reporting
POS System Reconciliation
Match bank deposits with POS daily sales reports, identifying discrepancies between reported sales and actual deposits
Merchant Fee Tracking
Automatically identify and categorize merchant processing fees, gateway charges, and payment processor costs for accurate expense reporting
Your Retail Workflow in 4 Simple Steps
From upload to export, Zera Books handles the heavy lifting while you maintain full control over your retail financial data.
Upload Retail Bank Statements
Drop PDF statements from all your retail accounts—store locations, merchant accounts, and vendor payment accounts
Zera AI Extracts Data
Our retail-trained AI identifies transactions, categorizes sales vs. expenses, and detects merchant fees and inventory purchases
Review & Organize by Location
Verify extracted data, assign transactions to store locations, and categorize by sales channel or expense type
Export to Accounting Software
Download CSV files formatted for QuickBooks, Xero, or your retail POS system for seamless import and reconciliation
Retail-Specific Features
Purpose-built tools for retail businesses—from single boutiques to multi-location chains and e-commerce operations.
Multi-Store Account Processing
Handle bank statements from dozens of store locations and merchant accounts, organizing transactions by location automatically
Daily Sales Reconciliation
Match bank deposits with POS daily sales reports across Square, Shopify, Clover, and other retail point-of-sale systems
Inventory Purchase Tracking
Identify and categorize vendor payments for inventory purchases, linking bank transactions to supplier invoices
Sales Tax Reporting
Track sales tax collected from multiple jurisdictions, separating tax liability from gross sales for accurate remittance reporting
Merchant Fee Categorization
Automatically detect and categorize payment processing fees, chargeback costs, and monthly gateway charges
Multi-Channel Sales Consolidation
Combine transactions from e-commerce platforms, in-store sales, and marketplace channels into unified financial reports
Common Retail Use Cases
See how different types of retail businesses use Zera Books to streamline their financial workflows.
Multi-Location Retail Chains
Process bank statements from 10+ store locations monthly, consolidating financial data for corporate reporting while maintaining location-level detail
E-commerce & Omnichannel Retailers
Reconcile online sales from Shopify, Amazon, and Etsy with physical store sales, tracking revenue by channel for strategic planning
Boutique & Specialty Stores
Match daily Square or Shopify sales with bank deposits, quickly identifying discrepancies and merchant fee impacts on margins
Retail Bookkeepers & Accountants
Manage bank statement processing for multiple retail clients, from single boutiques to multi-location chains, with standardized workflows
Zera Books Platform for Retail
Complete document processing suite designed for retail accounting workflows.
Retail Software Integrations
Export clean CSV files that work seamlessly with popular retail accounting software and POS systems.
Import retail transactions with location and category mapping
Bulk upload with multi-store tracking codes
Reconcile daily sales with bank deposits
Match online sales with payment processor deposits
Integrate transaction data with inventory systems
Daily sales reconciliation and merchant fee tracking
Online sales reconciliation and payment gateway matching
Multi-location retail accounting integration
Zera Books vs. Manual Data Entry
See how Zera Books compares to traditional manual entry and other automated solutions for retail businesses.
| Feature | Zera Books | Manual Entry | Competitors |
|---|---|---|---|
| Processing Time per Statement | 10 seconds | 2-4 hours | 30-60 seconds |
| Multi-Store Account Handling | Unlimited stores | Time-consuming | Limited locations |
| Merchant Fee Detection | Automatic | Manual identification | Basic detection |
| POS System Integration | Square, Shopify, Clover, Lightspeed | N/A | Limited POS support |
| Monthly Cost | $79 unlimited | $500+ labor costs | $191 (120 pages) |
| Accuracy Rate | 99.6% | 70-85% | 99% |
Frequently Asked Questions
Common questions from retail business owners about using Zera Books for bank statement conversion.
Does Zera Books work with all retail POS systems?
Yes! Zera Books processes bank statements regardless of your POS system. We support Square, Shopify, Clover, Lightspeed, Toast, and all other retail point-of-sale platforms. The tool extracts transaction data from your bank statements, so it works with any POS that deposits to a bank account.
Can I track sales and expenses by store location?
Absolutely. Zera Books allows you to process bank statements from multiple store locations and organize transactions by location. You can maintain separate bank accounts for each store or use our categorization features to tag transactions by location for consolidated reporting.
How does Zera Books handle merchant processing fees?
Zera AI automatically identifies merchant processing fees, payment gateway charges, and chargeback costs in your bank statements. These fees are extracted as separate line items so you can accurately track payment processing costs and calculate true net revenue from credit card sales.
Can I reconcile e-commerce and in-store sales together?
Yes. Zera Books processes bank statements from all sales channels—Shopify, Square, Amazon, physical stores, and more. You can consolidate deposits from online and offline sales channels, tracking revenue by channel while maintaining a unified view of your retail finances.
Does the CSV export work with QuickBooks and Xero?
Perfectly. Our CSV exports are formatted for seamless import into QuickBooks Desktop, QuickBooks Online, Xero, and other retail accounting software. You can map transactions to accounts, classes, and locations for multi-store tracking.
How accurate is Zera AI for retail bank statements?
Zera AI achieves 99.6% accuracy on retail bank statements, trained on thousands of retail transaction patterns including POS deposits, inventory payments, merchant fees, and refunds. You can review and edit any transaction before exporting to ensure 100% accuracy.
Can I process statements for inventory purchases and vendor payments?
Yes! Zera Books extracts all transactions from your retail bank accounts, including vendor payments for inventory purchases, utility bills, rent, and other operating expenses. You can categorize these as cost of goods sold or operating expenses for accurate P&L reporting.
What's the pricing for retail businesses?
Zera Books costs $79/month for unlimited bank statement conversions—no per-page or per-transaction fees. Whether you operate one boutique or a 50-location retail chain, you pay one flat monthly rate. Try it for one week to see the time savings for your retail business.
Is my retail financial data secure?
Yes. Zera Books uses bank-level 256-bit SSL encryption for all uploads and processing. Your bank statements are processed instantly and never stored on our servers. We never access your bank accounts directly—you simply upload PDF statements, and we delete them immediately after conversion.
Can I track sales tax collected and owed?
Yes. You can use Zera Books to extract all sales transactions from your bank statements, then calculate sales tax collected by applying your tax rates. While we don't automatically separate sales tax from deposits, you can categorize and track tax liability for remittance to state and local tax authorities.
“My clients send me all kinds of messy PDFs from different banks. This tool handles them all and saves me probably 10 hours a week that I used to spend on manual entry.”
Ashish Josan
Manager, CPA at Manning Elliott
Ready to Transform Your Retail Accounting?
Join hundreds of retail businesses using Zera Books to automate bank statement processing, reconcile multi-location accounts, and save hours on month-end close.
Try for one week