Credit Card Reconciliation

You swipe, you pay online, you auto-charge software tools—and by the end of the month, your credit card statement’s 10 pages long. It’s easy to lose track of what was a legit business expense and what was personal. Or worse—some charges might be missing from your books completely.

That’s where our Credit Card Reconciliation service helps.

We go line by line, match every charge, and make sure your credit card activity is fully recorded and accurate in your books. So nothing gets missed, doubled, or miscategorized.

What We Actually Do

Here’s how we handle credit card reconciliation:

• Pull your credit card statements

• Compare every charge to your books

• Record anything that’s missing

• Fix duplicate or miscategorized expenses

• Reconcile the card balance so it matches your books

• Flag anything weird or suspicious

The goal: your books reflect what actually happened—no guessing, no gaps, no errors.

Common Issues We Catch

• Charges missing from the books

• Payments recorded but not linked to the right card

• Personal charges mixed with business ones

• Refunds that never got recorded

• Duplicate entries from syncing errors

• Card balances that don’t match the statement

You’d be surprised how often this stuff sneaks in. Especially when you’ve got multiple users on a card or auto-billing going on.

Why It Matters

When your credit card isn’t reconciled, your books are off. That throws off:

• Your profit and loss

• Your expense tracking

• Your tax deductions

• Your cash flow

• Your reporting

Even small errors add up. We’ve seen clients miss thousands in deductible expenses just because stuff wasn’t logged properly.

Clean reconciliation means you actually know what you spent—and your accountant doesn’t hate you at tax time.

Monthly, Quarterly, or Catch-Up

We recommend doing this monthly (along with your bank recon), but if you’re behind, we can catch you up. We’ve reconciled a full year of credit card statements in a few days. You don’t have to feel bad about it—this is what we do.

Once you’re caught up, we’ll keep it clean moving forward.

Works With Any Card and Any Software

We work with:

• American Express, Chase, Capital One, Discover, BofA, and others

• QuickBooks Online & Desktop

• Xero, Wave, FreshBooks

Some cards sync well. Some don’t. We know the tricks to get it done either way.

Based in Seattle. Serving Businesses Everywhere

We help folks in Seattle, Portland, Memphis, and beyond. Whether your card’s linked to one vendor or 100, we’ll keep your expenses sorted and your balance matching.

Get Your Cards Under Control

If your credit card balance never matches your books, or you’ve got a growing list of “uncategorized expenses,” it’s time to fix it.

We’ll do the work. You get peace of mind—and clean financials.

Let’s get your cards reconciled the right way.