Stripe, Plaid, and Wise Are Connected. Your P&L Now Reads Itself.

For most of the time I have run my cleaning company, "how is the business doing?" had two answers. The fast one came from BookingKoala: here is what we booked this month. The real one came from my accountant, in March, for the year before. Everything in between was a spreadsheet I rebuilt on Sunday nights and quietly stopped trusting.

That gap is what this release closes. CleaningInsytes now connects to the three places your money actually moves through, and it builds the profit & loss itself. No exports. No categorizing the same vendor for the fortieth time. Just a clear Insyte into whether the business made money, on what, and why.

Stripe: what you actually collected

BookingKoala knows a $220 job happened. Stripe knows you kept $213.32 of it, or nothing because the card declined, or negative $220 because it was refunded a week later. Those are different numbers, and only one of them is revenue.

The Stripe connection is the official CleaningInsytes app in Stripe's own marketplace. You click Connect, approve it on Stripe's consent screen, and you're done. We never see your keys. From then on your charges, processing fees, refunds, disputes, and payouts sync every day, enriched with the customer's name instead of a charge ID. Fees show up as their own line on the P&L so your margin is honest, and refunds are netted against the revenue they came from.

Plaid: what you actually spent

Payroll, supplies, fuel, insurance, software, ad spend. None of it lives in your booking software or in Stripe. It lives on your business checking account and two or three credit cards, and until it gets categorized it isn't a P&L, it's a bank statement.

Connect those accounts through Plaid and the transactions flow in. The part I'm proudest of is what happens next: you categorize a vendor once, and a rule takes care of every future transaction from them. Gusto goes to payroll. The Home Depot goes to supplies. Google Ads goes to marketing, right next to the leads it produced. Anything the rules aren't sure about waits in a review queue instead of landing in the wrong bucket, and transfers between your own accounts are filtered out so nothing gets counted twice.

Wise: the payouts I used to split by hand

This one is personal. I pay my virtual assistants through Wise. Every transfer hits my bank as one debit, but it's really two things: the payment to the person, and Wise's fee. For two years I split every single one of those by hand in bookkeeping so the fee didn't hide inside contractor pay.

Now CleaningInsytes connects to Wise directly. Each completed transfer comes in as the payment and the fee, already separated, already categorized, with the recipient's name attached. The categories are yours to set (mine go to Virtual Assistant Pay and Bank Fees), and the bank-feed side of the same transfer is recognized so it isn't double-counted. If you pay anyone overseas, you know exactly how tedious this was. It's gone.

What it looks like put together

Revenue at the top, from BookingKoala. Refunds and Stripe fees netted out. Provider pay, payroll, supplies, marketing, VA pay, and everything else below, from your bank and Wise. Net margin at the bottom. Pick any month and compare it to the one before, or to the same month last year. Click any line and see the actual transactions behind it.

It is the report your accountant hands you in March, except it's live, it's yours every Monday, and it tells you things while you can still do something about them. The first month I ran mine, I found out my "best" service line was my worst one on margin. I wrote about that in how I finally figured out my real profit.

Who can see it

Money data is different from operations data. The P&L and connected accounts are visible to owners only by default. You can extend finance access to specific roles on your team, and everyone else keeps full use of the dashboards, leads, and provider reports they use every day.

Getting set up

Each connection is optional and each one you add makes the picture more complete. Stripe takes about a minute. Plaid takes as long as it takes you to log into your bank. Wise takes a personal API token from your Wise settings and one rule on your bank feed, and the app walks you through both. If you run on BookingKoala and Stripe, the BookingKoala + Stripe P&L page shows the whole flow end to end, and the financial reporting overview covers the rest.

If you've been putting off knowing your real number, this is the release that makes it easy to stop.