It's the comparison between contracted card rates and what acquirers actually charge. We recover amounts paid incorrectly over the last 12 months.

How does Open-to-Buy (OTB) work?

OTB calculates how much you can buy in a month without compromising cash, based on sales forecast and historical turnover.

Do you integrate with my management system?

Yes. We have native integrations with Bling, Tiny, Linx, VTEX, Shopify and major retail ERPs.

How does payment reconciliation work?

We import acquirer statements and cross-reference them line by line with your system's sales, generating alerts for discrepancies.

GMROI measures the gross profit generated by each real invested in inventory, essential for optimizing purchasing mix.

How do you manage marketplace sales?

We unify sales from all channels into a single management P&L, calculating real net margin after fees and chargebacks.

What is the difference between BPO and CFO in retail?

BPO handles operations (reconciliation, accounts). CFO adds margin intelligence (MDR audit, OTB, GMROI). Recommended for stores looking to scale.

Financial Management for Retail

3.5% of revenue lost to card fees and manual reconciliation

Automated payment reconciliation, MDR fee audit and Open-to-Buy management. Turn your sales into real net margin.

Free Fee Audit See Methodology

Automated Reconciliation

MDR Audit

OTB Management

Fees Recovered

$1.5k/mo

Reconciliation

98.5%

Chargebacks Disputed

65%

Cash Flow

90 days

Savings on fees

$1.5k/mo

Automated Reconciliation

NATIVE INTEGRATIONS WITH RETAIL ERPS

Bling

Linx

VTEX

Stone

Diagnosis

Critical Margin Loss Points in Retail

Sales don't guarantee profit. Controlled reconciliation, fees and inventory do.

Acquirer fees above contracted rate

Continuous auditing can recover 1.5% to 3.5% of monthly revenue from acquirer billing errors.

Manual sales reconciliation

Checking slips manually consumes hours and misses penny discrepancies that add up to thousands yearly.

Uncontrolled chargebacks

Without channel-by-channel tracking, you lose both product and money with no way to contest.

Unbalanced inventory

Cash stuck in slow-moving products. Buying blind erodes working capital.

No Open-to-Buy process

Buying without knowing cash capacity leads to excess inventory and disadvantageous renegotiation.

Channels without financial unification

Physical store, website and marketplaces managed in separate spreadsheets prevent real net margin calculation.

Data-driven retail requires <span class="font-semibold">automated reconciliation and OTB management</span>, not manual spreadsheets.

Fix It Now

Security and Compliance

Bank-Grade Security

Protect your sales data with robust infrastructure.

Data Privacy Compliant

Full compliance with data protection regulations. Auditable and protected data.

Bank-Level Encryption

Financial data encrypted in transit and at rest with AES-256 standards.

Certified Infrastructure

Servers with ISO 27001 certifications. Daily reliable backups.

Full Audit Trail

Complete transaction traceability, essential for multi-channel control.

Solutions for Physical and Digital Retail

From POS to marketplace, scalable financial management for your business.

Financial Operation

Financial BPO for Retail

Bulletproof financial routine

Accounts payable and receivable, automated payment reconciliation, invoice issuance and cash control.

Card reconciliation (Stone, Cielo, Rede, Mercado Pago)
Accounts payable and receivable
Invoice issuance (NF-e/NFC-e)
Daily cash flow control
MDR audit and fee recovery
Open-to-Buy (OTB) management
GMROI and ABC Curve analysis

Learn BPO

Strategic ManagementPremium

CFO for Retail

Margin intelligence and purchasing

Complete management control with fee audit, OTB management, GMROI analysis and net margin per channel.

Everything in Financial BPO
Monthly MDR audit and fee recovery
Open-to-Buy (OTB) management
GMROI and inventory turnover analysis
Dynamic pricing
Chargeback control per channel
P&L per channel/store

Learn CFO

Retail financial management

Common Management

Visual and imprecise reconciliation
Accepts fees without question
Buying based on gut feeling
Unbalanced inventory
Chargebacks without control
Isolated spreadsheets per channel

Loki Management

Automated line-by-line reconciliation
Monthly MDR audit and recovery
Buying based on OTB and real turnover
Optimized inventory (GMROI)
Tracked and disputed chargebacks
Unified net margin (omnichannel)

Integrations

We Connect with Your Systems

Native integrations with retail ERPs, payment gateways and marketplaces.

Retail ERPs

Bli

Bling

Sales, inventory and invoice sync

Tin

Tiny ERP

Orders, products and financial integration

Lin

Linx

POS reconciliation and inventory control

VTE

VTEX

E-commerce with order and payment management

Sho

Shopify

Online sales and gateway

Payment Methods

Sto

Stone

Sales and PIX reconciliation

Cie

Cielo

Statements and MDR audit

Mer

Mercado Pago

Payment splitting

Pag

PagSeguro

Gateway and anticipation

Red

Rede

Acquirer reconciliation

Marketplaces

Mer

Mercado Livre

Sales, commissions and refunds

Sho

Shopee

Orders and marketplace fees

Ama

Amazon

FBA and net margin per SKU

FAQ

Answers about retail financial management.

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Explore related services: Financial BPO · CFO as a Service · Financial Automation