Cash Intelligence Platform

Your PSP settlements.
Reconciled automatically.
In real time.

Multi-channel retailers spend days every month manually matching settlement reports across Stripe, Amazon, PayPal and their banks. Shodipo eliminates that entirely — giving your finance team a live, reconciled cash position at all times.

Request a demo See how it works

Built for retailers doing £5M–£100M. No setup fee for pilot customers.

Shodipo Dashboard
Live
Available Now
£2.84M
Across all PSPs
Arriving This Week
£1.2M
4 settlements pending
30-Day Forecast
£6.7M
Based on run rate
Discrepancies
2
Require attention
Recent Settlements
S
Stripe
£284,200 Matched
A
Amazon
£512,840 Pending
P
PayPal
£98,440 Discrepancy
Updated 2 minutes ago Barclays ••• 4821 connected
Works with
Stripe Amazon Seller PayPal Shopify Payments Open Banking Barclays HSBC Lloyds
The problem

Your cash is reconciled
days after it matters.

Multi-channel retail creates a reconciliation problem that gets worse as you scale. More PSPs, more settlement schedules, more manual work.

01
Settlements arrive on different schedules
Stripe settles daily. Amazon every 14 days — with reserves. PayPal holds funds unpredictably. Your bank receives them all at different times with no standard reference. Matching them is a manual job that falls to your finance team.
02
Your cash position is always out of date
By the time your team has reconciled last week's settlements, this week's have already started arriving. Your Finance Director makes cash decisions based on data that's 48-72 hours stale. At scale, that gap is material.
03
Discrepancies hide in the detail
PSPs net fees, refunds, and FX adjustments against your payouts without clear itemisation. A £40,000 settlement arrives as £37,200 and your team spends hours tracing the difference — time that should be spent on analysis, not administration.
04
No forward visibility when you need it most
Xero tells you what happened last month. Your bank tells you what's there today. Neither tells you what your cash position will be in 14 days when your next Amazon disbursement is due and your supplier payment goes out. That gap costs you sleep and sometimes costs you money.
How it works

Connected, reconciled,
and live in 48 hours.

No lengthy implementation. No consultants. Shodipo connects to your existing PSPs and banking relationships and starts reconciling immediately.

01
Connect your payment platforms
Authorise Shodipo to read data from Stripe, Amazon Seller Central, PayPal, and Shopify Payments using secure OAuth connections. Read-only access — Shodipo never touches your money, only reads the data. Takes under 20 minutes per PSP.
02
Connect your bank via Open Banking
Using FCA-regulated Open Banking infrastructure, Shodipo connects to your business bank accounts — Barclays, HSBC, Lloyds, NatWest, and others. This is the connection that closes the loop between what your PSPs say is coming and what actually lands.
03
Reconciliation runs automatically
Shodipo matches every PSP settlement against your bank credits in real time. Matched settlements are confirmed automatically. Discrepancies are flagged with the exact difference and probable cause. Your team reviews exceptions — not every transaction.
What you get

Everything your finance team
needs. Nothing they don't.

Live PSP balance dashboard
See available, pending, and in-transit balances across every connected payment platform in a single view. Updated continuously — not once a day, not on a schedule. Always current.
Automated PSP-to-bank reconciliation
Every settlement matched against every bank credit automatically. Matched, pending, and discrepant transactions surfaced instantly. Audit trail maintained with full history for every reconciled transaction.
30-day cash flow forecast
Based on confirmed PSP settlement schedules, historical patterns, and your scheduled expenses. Gives your Finance Director the forward visibility they need for inventory decisions, supplier negotiations, and cash management.
Discrepancy alerts and exception management
When a settlement arrives short, late, or doesn't appear at all — Shodipo flags it immediately with the probable cause and the amount at variance. Your team investigates exceptions, not every line.
Channel profitability after all fees
True net revenue per channel after processing fees, FX charges, refund netting, and reserve deductions. Know your real margin on Amazon vs Shopify vs direct, with no manual calculation required.
Multi-user with role-based access
Treasury Analysts see full detail. Finance Directors see the summary and exceptions. CFO sees a one-page cash position. Every user sees what they need — nothing more, nothing less.
Why it matters

The cost of manual reconciliation at scale.

These numbers are from real retailers. The problem is bigger than most Finance Directors realise until they measure it.

2–3
Days per week a finance team member spends on PSP reconciliation at a retailer doing £20M+ in annual revenue
48h
Average delay between a PSP settlement occurring and it appearing in a reconciled cash position — without Shodipo
£180k
Estimated annual cost of manual reconciliation for a 3-person finance team — in labour alone, before opportunity cost
<24h
Time to see your first fully reconciled cash position in Shodipo from the moment you connect your first PSP
Get started

See your cash position
clearly for the first time.

Book a 20-minute call. We'll show you exactly what Shodipo would look like connected to your PSPs — using your own data, not a generic demo.

No commitment. 20 minutes. We'll do the preparation so you don't have to.