AI ecommerce accounting and bookkeeping

Ecommerce accounting.
Every payout accounted for.

Online brands sell through several channels and pay fees at every step. Zeni's AI Accountant codes payouts, fees, ad spend and supplier bills, and our finance team closes your books every month.
Monthly close by your Zeni team Β· Every AI call explained
An ecommerce founder packing an order in a bright studio warehouse
Built by an accounting firm

Battle-tested on 1,000+ companies' books.

Zeni is an accounting firm too. More than 250 of our own accountants, bookkeepers and controllers use this platform every day to close the books for 1,000+ customers, with more than $20 billion in finances processed.ΒΉ

250+
accountants, bookkeepers and controllers on Zeni's team use the platform daily
1,000+
companies whose books close on Zeni every month
$20B+
in finances processed on the platform
2x
revenue for Zeni's own firm without adding headcount costs
We set it up. We run the AI agents.

Zeni connects your banks, cards and payroll, and our team manages the AI agents and reviews the work. With other AI accounting tools, keeping the agents working is your job.

βœ“ Set up by Zeni
βœ“ AI agents managed by our team
βœ“ Works out of the box
Grid icon representing multiple client companies

Payouts, fees and refunds, coded

Payouts from your sales channels, processor fees and refunds coded with the AI's reasoning attached.

Activity icon representing drafted close work

Ad spend in its place

Meta, Google and other ad spend coded to marketing every month, so margin isn't a guess.

Eye icon representing review and approval

Supplier bills, approved

Supplier and fulfillment bills go through Bill Pay with multi-level approvals before anything is paid.

Trending-up icon representing client advisory

Margin by channel

Tag revenue and spend to a class or project and see revenue and net income for each channel.

Your ecommerce finance team's new teammates

An AI Accountant for the books.
An AI CFO for the answers.

The AI Accountant codes every payout and fee. The AI CFO tells you where the margin went.

AI Accountant

Codes channel payouts, processor fees, ad spend and supplier bills with its reasoning attached, routes low-confidence items to review, and reconciles bank and card accounts before month-end.

AI CFO

Answers questions on revenue, ad spend and margin from your live books and read-only Stripe and PayPal data, and builds a 13-week cash forecast.Β²

Your month with Zeni

Connect your accounts. Get closed books.

Zeni's AI and finance team handle the bookkeeping. You run the store.

1
Setup

Connect your accounts

Banks, cards and payroll. Your Zeni team handles the setup with you.

2
Every day

Payouts coded as they land

The AI Accountant codes payouts, fees and ad spend as they arrive.

3
Month-end

Zeni closes the books

Zeni's finance team reviews the AI's work and closes the month.

4
Any day

Know where the margin went

Ask the AI CFO about ad spend, refunds and margin by channel.

October close86%
Transactions coded100%
Accounts reconciled94%
Receipts matched91%
Flux review60%
Drafted by the AI Accountant
Zeni transaction card showing a category assigned by AI
Ecommerce accounting

What is ecommerce accounting?

Ecommerce accounting is bookkeeping and financial reporting for brands that sell online. It usually means matching payouts from each sales channel to the orders, fees and refunds behind them, coding ad spend and fulfillment costs, paying suppliers, and tracking margin and cash through seasonal swings.

Numbers you can defend

Every entry comes with its reasoning.

Each AI suggestion arrives with its reasoning and confidence. Bills wait for approval before they're paid, schedules wait for sign-off, and nothing changes in a closed period.

Built for review
"Show reason" on every AI categorization
Change history on every transaction
Journal entry schedules wait for approval
Created entries can be reverted
Submitters can never approve their own work
Two ecommerce co-founders reviewing a report togetherAI CFO Β· answers from live books
Advisory

Know where the margin went.

Zeni's AI CFO answers questions on revenue, ad spend and margin from your live books, shows how every number was calculated, and builds a 13-week cash forecast.Β²

From spreadsheets to real-time books

One finance workspace for a multichannel brand.

Payouts matched by hand
β†’
Payouts and fees coded automatically
Ad spend found in five dashboards
β†’
Ad spend coded every month
Supplier invoices in an inbox
β†’
Bills approved before they're paid
Cash guessed before peak season
β†’
A 13-week cash forecast

Zeni connects to your banks, cards and payroll. The AI Accountant keeps the books current, your Zeni team closes each month, and the AI CFO answers from those same books.

Meet the AI Accountant β†’
Inside the close

Your month-end close, in one workspace.

Zeni Transactions screen with AI-suggested categories pending reviewThought process on every AI call
TRANSACTIONS

Coded, with the reasoning attached.

Every payout, processor fee, refund and ad charge gets a category, class and vendor, plus the reasoning behind it.

Explore transactions β†’
Zeni Journal Entries screen with AI-created schedules pending reviewPrepaid schedule drafted, waiting on your approval
JE SCHEDULES

Schedules waiting for sign-off.

Annual software and prepaid contracts become prepaid schedules that post only after approval.

Explore month-end close β†’
Zeni Receipts screen listing transactions missing receiptsReceipt matched to its charge, on the record
RECEIPTS

Receipts matched.

Missing receipts are flagged and matched automatically when they're forwarded or uploaded.

Explore receipts β†’
Zeni Flux Analysis screen comparing October and September spend by vendorAI CFO explains the spike: up 167% from September
FLUX ANALYSIS

Flux before you ask.

Month-over-month variances by vendor, category and class, with an AI summary of what changed.

Explore month-end close β†’
Zeni Reconciliation screen for a company bank accountFound 3 statement transactions missing from the books
RECONCILIATIONS

Reconciled to the statement.

Bank and card accounts are reconciled to statements, with missing transactions flagged and entries suggested.

Explore reconciliation β†’
Zeni Task Checklist with close tasks, owners and due datesEvery close task has an owner, a due date and time tracked
TASK CHECKLIST

Close tasks with owners.

Assign owners, priorities and due dates to every close task, so you see who owns what while the month is open.

Explore month-end close β†’
Beyond the close

Run more of your ecommerce finance work in one place.

Invoice icon

Bill pay

Pay vendors with multi-level approvals and invoices read automatically.

Checklist icon

Class and project reporting

Report by class or project, including revenue and net income by channel.

Explore financial reporting β†’
Comment icon

Commenting

Comment on any transaction, @mention a teammate and keep the answer on the record.

Explore commenting β†’
Questions you'll ask

What ecommerce founders ask. What the AI CFO answers.

Every month
"What did we spend on ads as a share of revenue?"
"How much did refunds cost us last quarter?"
After close
"Why did net income drop in September?"
"Which suppliers did we pay the most this year?"
Planning
"Build a 13-week cash forecast."
"Model cash if we double ad spend before the holidays."
Who it's for

Built for the people who run ecommerce finance.

An ecommerce team talking around a packing table in a sunlit studioYour team, plus an AI Accountant and AI CFO

Ecommerce founders and operators

Founders who want to know where the margin goes without doing the books.

  • Ad spend and refunds in view
  • Cash forecast for peak season
  • Books closed every month

Finance and operations leads

The people who pay suppliers and own the close, and want the bookkeeping done first.

  • Supplier bills approved before they're paid
  • Every account reconciled
  • Flux drafted for review
Built for ecommerce brands

Grow the store. Keep the books right.

See the AI Accountant and AI CFO on an ecommerce brand's books.

Review by design
Reviewed by Zeni's finance team
Reasoning on every AI call
Approvals before anything posts
Separation of duties
SOC 2 certified
FAQ

Ecommerce accounting and AI bookkeeping FAQs.

What is ecommerce accounting?+
Bookkeeping and reporting for brands that sell online: payouts, fees and refunds from each channel, ad spend, supplier bills, and margin and cash.
How does AI bookkeeping work for an ecommerce brand?+
Zeni's AI Accountant codes payouts, processor fees, ad spend and supplier bills with its reasoning shown, matches receipts and reconciles your accounts. Your Zeni team reviews the work and closes the books each month.
How does Zeni handle ad spend?+
The AI Accountant codes Meta, Google and other ad spend to marketing every month with its reasoning shown, so the AI CFO can report ad spend as a share of revenue.
Does Zeni connect to Stripe and PayPal?+
Yes. They connect alongside your banks and cards, and the AI CFO reads them with read-only access.
Which ledger does Zeni use?+
QuickBooks Online. Zeni reads and writes to it as your ledger of record.
Who sets up and manages the AI agents?+
Zeni does. Our team deploys the platform, manages the AI agents and reviews the work, and you approve what needs your sign-off.
Can the AI make mistakes?+
Yes. Lower-confidence transactions go to a review queue instead of posting, your Zeni team reviews the close, and the AI CFO is in beta, so check anything important against the books.
Sources and notes
  1. Zeni internal figures, October 2026.
  2. AI CFO is in beta and can make mistakes; check anything important against the books.