Integrations

Platform Integrations connect commerce/payment platforms so BudgetBadger can:

• Sync platform payout and fee activity
• Match each payout to the corresponding Plaid bank deposit
• Auto-split that deposit into revenue, refunds, and fee categories for a cash-basis P&L
• Power Product Analytics on the dashboard

Supported platforms: Stripe, Etsy, Shopify, and Amazon.

PayPal and Wise are Plaid-only — connect them on Accounts like any bank. They do not appear as Platform Integrations cards and do not get allocation splits.

Open Integrations from the Profile menu. On a platform card, choose Connect and complete OAuth. Then link the checking/savings Plaid account(s) where that platform deposits payouts.

Without a linked payout account, matching cannot pair platform payouts to bank deposits. After connect, review split category preferences in Manage so fee lines map to the right COA categories.

Use Sync Now on a connected platform card to pull the latest platform activity and attempt matches. Matching also runs on a nightly schedule and after relevant Plaid syncs on linked payout accounts.

High-confidence matches confirm automatically (trace or amount/date/keyword heuristics). Ambiguous cases land in the Review queue. After a match, BudgetBadger applies an allocation split on the deposit so the parent bank line does not double-count against child revenue/fee lines.

A matched payout deposit becomes a split parent. Child lines typically include:

• Revenue (gross sales in the payout)
• Payment Processing or other fee categories (negative)
• Refunds when refunds/chargebacks are in the payout
• Additional mapped lines (for example Marketing & Advertising for Etsy Ads) based on platform data and your prefs

The parent is excluded from P&L totals; children drive the P&L and Product Analytics. Net children should reconcile to the deposit amount (with a forced adjustment child when platform net and bank amount differ).

Open the platform’s Manage modal on Integrations to remap which BudgetBadger categories receive each allocation line type (revenue, refunds, processing fees, marketplace fees, ads, shipping, and similar rows depending on the platform).

Change mappings here — not via category rules. Rules do not override frozen platform-owned split children. After changing prefs, run Sync Now if you need historical system-owned splits refreshed where the product allows it.

When a payout cannot be auto-matched confidently, it appears under Review on the Integrations card. Confirm or reject candidates so the queue stays clean.

A forced adjustment child may be added when platform net does not exactly equal the bank deposit (FX, timing, or fee differences). The payout can still split; the adjustment keeps the register balanced. If splits look wrong, first verify the linked payout account and bank descriptor, then re-sync after Plaid has the deposit.