Accounting integrations
Connect your accounting software from Settings › Accounting and Tuppence keeps your books up to date by itself: one sales receipt and one costs payment for each business day, and a transfer for each payout on the day it reaches your bank. There is nothing to map and no file to import. It’s free on every account.
Using something else (Sage 50, KashFlow, Pandle, Zoho Books, FreshBooks)? Download the statement file: the same postings as a bank statement in CSV or OFX.
How it works
Section titled “How it works”Tuppence makes a bank account called Tuppence in your books. It stands for the money Tuppence holds for you. Each day’s sales go into it, fees and refunds come out of it, and each payout moves from it to your real bank account. So the Tuppence account’s balance in your books is your Tuppence balance, and every payout matches the line your bank feed shows.
What Tuppence posts
Section titled “What Tuppence posts”| What | When | In your books |
|---|---|---|
| Sales receipt | Each business day, after 03:00 the next morning in your time zone | Money into the Tuppence account from the contact Tuppence sales, reference Tuppence 13 Oct 2026. One line per kind of sale (Sales: payment links, Sales: online, Sales: subscriptions, Sales: bookings, Sales: in person), plus Tips to pass on, Customer credit bought, Tuppence cashback and Disputes won where the day had them |
| Costs payment | The same day | Money out of the Tuppence account to the contact Tuppence, same reference. Lines for Tuppence fees, Refunds by kind of sale, Disputed payments, Dispute fees and Instant payout fees where the day had them |
| Payout transfer | The day the payout reaches your bank | A transfer from the Tuppence account to your bank account for the amount that arrived, reference Tuppence payout po_… TUPPENCE |
| Returned payout | The day it came back | A transfer back from your bank account to the Tuppence account |
| Card purchases | Each business day with card spend | Money out of a Tuppence card bank account, which stands for your card balance, to the contact Card purchases. One line per expense account, chosen from what each merchant sells (Travel, Meals and entertainment, Motor and fuel, Software and subscriptions, Office costs, Advertising and marketing, Phone and internet, Postage and delivery, Professional fees), naming the merchants: Card purchases at Trainline (2), Uber. Anything else goes to Card spend to categorise. Card refunds and disputes won come back to the same account. Top-ups of the card balance are transfers into it. In the US your cards spend your Tuppence balance, so these lines are on the Tuppence account’s costs payment |
| Your platform’s money | Each business day, if you run a platform | Into and out of a Tuppence Connect balance bank account, which stands for your Connect balance, with the contact Tuppence Connect. Platform fees earned (and Platform fees refunded) on Platform income; Transfers to connected accounts (and those returned) and Connected account losses on Platform costs; Tuppence fees on connected accounts you pay on Tuppence fees. The daily move of your fees into your Tuppence balance is a transfer from the Tuppence Connect balance account to the Tuppence account. Your connected businesses’ own money is not posted to your books |
| Opening balance | Once, on your start date | Only if you start later than your first day on Tuppence: one receipt (or payment) for the balance on that date, from a Tuppence opening balance account for your accountant to clear |
| Late movement | The next run | A refund or other movement that reaches a day after it was posted goes in a second posting for the same date, reference Tuppence 13 Oct 2026 (2). Nothing posted is ever edited |
Each line with the same label is added up, and a line goes on the receipt or the payment by its sign, so neither document ever has a negative total. Every document links back to its day in Tuppence. The postings carry totals, not your customers’ names or emails, unless you turn on detail mode.
Detail mode
Section titled “Detail mode”With How much detail set to A receipt for each payment, each payment goes in as its own receipt with the customer as the contact, and each refund as its own payment to the same contact. The contact is the customer’s name and email, or the email they paid with; a payment with neither uses Tuppence sales. Tuppence looks the contact up by email before it makes one, so a customer who pays twice is one contact. Fees, disputes, cashback and payouts stay on the day’s summary, so your books get one fee line a day. Customer names and emails then go to your accounting software. A day with more than 150 sales goes in as one summary, with a note, to stay inside your software’s monthly limits. A change applies from that day’s sales; days already posted stay as they are.
A worked day
Section titled “A worked day”On 13 October a business takes £120.00$120.00€120.00 through payment links, including a £5.00$5.00€5.00 tip, refunds £2.00$2.00€2.00 of an earlier sale, and pays £3.42$3.42€3.42 of Tuppence fees.
| Document | Line | Account | Tax | Amount |
|---|---|---|---|---|
| Sales receipt, Tuppence 13 Oct 2026 | Sales: payment links | Your main sales account | The account’s own rate | £115.00$115.00€115.00 |
| Tips to pass on | Tips | None | £5.00$5.00€5.00 | |
| Total in | £120.00$120.00€120.00 | |||
| Costs payment, Tuppence 13 Oct 2026 | Refunds: payment links | Your main sales account | The account’s own rate | £2.00$2.00€2.00 |
| Tuppence fees | Tuppence fees | None | £3.42$3.42€3.42 | |
| Total out | £5.42$5.42€5.42 |
The Tuppence account goes up by £114.58$114.58€114.58, the same as the business’s Tuppence balance.
With a 20% sales account, your books work out the VAT from the VAT-inclusive lines: £19.17 on the sales and £0.33 back on the refund. The tip is outside VAT.
A worked payout
Section titled “A worked payout”The £114.58$114.58€114.58 is paid out and reaches the bank on 15 October. Tuppence posts a
transfer of £114.58$114.58€114.58 from Tuppence to the business’s bank account, dated 15
October, reference Tuppence payout po_… TUPPENCE. The bank feed shows £114.58$114.58€114.58 in from
Tuppence on 15 October, so the reconcile screen pairs the two. One click and it’s done, and the
Tuppence account is back to zero.
A real payout usually carries several days’ money: whatever it carries, the transfer is for the amount that arrived. An instant payout’s fee goes on the costs payment of the day it was taken.
Set up for you
Section titled “Set up for you”Connecting runs setup. It asks a question only when it can’t choose.
| Setting | The default | Change it |
|---|---|---|
| Tuppence account | A bank account called Tuppence in your currency (one Tuppence made before is used again) | Choose another bank account |
| Sales | Your main sales account (Xero 200, QuickBooks Sales, FreeAgent 001, Sage 4000), with that account’s own tax rate | Choose another account or rate |
| Fees | A new expense account, Tuppence fees, with no VAT | Choose another account or rate |
| Payout bank | The bank account whose number ends in the same four digits as the account Tuppence pays you into; else your only bank account | Choose another. If two match, setup asks which: the one question |
| Other accounts | Chargebacks, Tips, Customer credit, Tuppence cashback, Tuppence adjustments, Card spend to categorise and the card purchase accounts, each made with the next free code the first time a posting needs it. A card purchase account your chart already has, such as Travel - National in Xero, is used instead | Choose another |
| Start date | Your first day on Tuppence | Choose a later day (an opening balance then posts) |
| How much detail | One summary a day, naming no one | A receipt for each payment, naming the customer (detail mode) |
The Accounting page shows each setting as a sentence (“Sales go to 200 Sales with its own VAT rate”), each with Change. Tuppence never renames or deletes anything in your books. Owners and admins connect, change and disconnect; managers, developers and analysts can see the page and download. Invite your accountant as an analyst.
| Line | Tax |
|---|---|
| Sales and their refunds | The sales account’s own default VAT rate, VAT-inclusiveNo sales tax on the line |
| In-person sales at the till | Split by the tax rates the till recorded, one line per rate |
| Tuppence’s fees | Posted with no VAT by default. Your accountant can choose another rate under Change |
| Tips, chargebacks, cashback, customer credit, transfers | Outside tax |
Problems and their fixes
Section titled “Problems and their fixes”A problem shows at the top of the Accounting page with the one thing that fixes it. Nothing is lost while it waits: the days post once it’s fixed.
| You see | Why | Fix |
|---|---|---|
| A question about your payout bank | Two bank accounts end in the same four digits | Choose the one Tuppence pays you into |
| Add the bank account Tuppence pays you into | Setup found no bank account to match | Add it to your books, then check again |
| Turn on multi-currency | Your books are in another currency and multi-currency is off | Turn it on in your accounting software (the message links there), then check again. Tuppence never converts currencies silently |
| Locked up to 31 Mar 2026 | Your books are locked before your start date | Start from the day after the lock date. A later day inside a locked period posts on the first open date, still named for its own day |
| Reconnect | The connection expired or was revoked | Choose Reconnect and approve again. The same books carry on where they stopped |
| A Tuppence document missing from your books | Someone deleted or changed it there | Choose Repost that day on the Accounting page |
| An account Tuppence uses was deleted | Nothing: Tuppence finds it again by name, or makes it again, the next time it posts |
Pause stops posting until you resume. Disconnect stops posting and keeps everything already in your books. Connecting a second tool pauses the first.
Test mode
Section titled “Test mode”You can connect in test mode. For real books, Tuppence only reads them and shows the preview of what it would post from your test data: it creates nothing there. Test data is posted for real only to a Xero demo company, a QuickBooks sandbox company, a FreeAgent sandbox company or a Sage trial business. Test mode and live mode each have their own connection, so live data posts only through a connection made in live mode.