JD Umpa — E-commerce Bookkeeping for Amazon FBA

§ 02 — Sound familiar?

What's keeping you up at night.

If any of these sound familiar, you're not alone. These are the exact problems I solve every day — for Amazon FBA sellers, sole-traders or sole-proprietors and small e-commerce businesses.

Pain 01

"I have no idea if I'm actually making money"

Transactions uncategorised, Amazon settlements a mystery, bank feeds ignored — your P&L is basically fiction. You're pricing and ordering stock on gut feel instead of real numbers.

Pain 02

"Amazon settlements make no sense"

Fees, refunds, FBA charges, reimbursements and multi-channel payouts all netted into one deposit. Nothing ties to your sales — and COGS is a guess.

Pain 03

"Self-Assessment makes me want to hide"

January 31st looms like a dark cloud. Scrambling for receipts, guessing at expenses, praying you don't get a penalty letter from HMRC.

Pain 04

"I'm probably paying too much tax"

You suspect you're missing allowable expenses and inventory deductions — but who has time to dig through 12 months of statements and settlement reports?

Pain 05

"Inventory? I just… hope?"

No reliable COGS, no valuation that ties to the P&L, no reorder clarity. Stock-outs and overstock quietly eat your margin.

Pain 06

"My accountant sighs at my books"

Year-end is stressful because nothing is organised. Your accountant bills extra hours for cleanup before the real work even starts.

Clear, accurate numbers

Real-time P&L, balance sheet and cash flow that actually reflect your FBA business — by channel, by SKU group.

A2X-grade reconciliation

Every Amazon payout split, mapped and tied out. Fees, refunds and COGS where they belong.

Tax without the stress

Self-Assessment ready weeks early. Tax-ready workpapers your CPA can file from — no cleanup.

Your evenings back

No more midnight QuickBooks. Focus on sourcing, listings and growth — I handle the ledgers.

§ 03 — The practice

A specialist, not a generalist.

E-commerce exclusively, with a deep focus on Amazon FBA — settlement reconciliation, accurate COGS tracking and multi-channel sales tax, so your books reflect true profitability.

JD Umpa — e-commerce bookkeeping specialist

QBO and Xero Specialist Your guide through the numbers

My journey into bookkeeping might not be what you expect. For years, I honed a disciplined, process-driven approach in a detail-heavy, structured environment. That background instilled in me a deep appreciation for accuracy, clear systems, and the critical importance of reliable data.

What drew me to bookkeeping — specifically for e-commerce — was seeing how much small business owners struggled with the financial intricacies of online sales. They're often experts at product sourcing and marketing, but the accounting behind Amazon FBA settlements, inventory COGS, and multi-channel reconciliation quickly becomes a tangled mess.

Today, I channel that same rigorous discipline into building robust, decision-ready bookkeeping systems for e-commerce businesses, particularly Amazon FBA. I specialize in untangling complex transactions, ensuring accurate inventory costing, and providing the clear financial insights generalist bookkeepers often miss. My focus isn't just on recording transactions — it's about clean workflows and reliable data you can truly act on.

Beyond the core platforms, I've developed deep fluency in niche tools like A2X — crucial for precise Amazon settlement reconciliation — and app-stack integrations with tools like SaasAnt to automate data entry and enhance efficiency.

Primary niche: E-commerce — Amazon FBA QBO / Xero A2X Amazon Seller Central Stripe / PayPal SaasAnt · Hubdoc · Gusto · Bill.com

"My focus isn't on recording transactions. It's on creating clean workflows and reliable data you can truly act on."

— JD Umpa, QBO and Xero Specialist

QuickBooks Online

Advanced ProAdvisor

Basic & Advanced certified — full QBO builds, cleanups and e-commerce workflows.

Xero

Advisor Certified

Certified advisor for Xero e-commerce setups, bank feeds and reporting.

Payroll

Payroll ProAdvisor

Gusto setup, GL sync and payroll compliance — no manual journal entries.

Foundations

Intuit Bookkeeping Certified

Core bookkeeping certification — the discipline behind every close.

§ 04 — Proof, not promises

Every badge. Hover for proof.

Six verified credentials across QuickBooks, Xero, payroll and e-commerce accounting. Certificates stay tucked away until you ask — hover (or tap) any specialization to reveal its certificate, with a link to open the full document.

QuickBooks · Level 2

QBO Advanced ProAdvisor

Advanced QBO builds, diagnostics and e-commerce chart-of-accounts design.

Intuit QuickBooks Certification · Level 2 — May 2026View certificate ⤢Verify on Credly ⤢

QuickBooks · Level 1

QBO Certification L1

Core QuickBooks Online certification — foundations done properly.

QuickBooks Online Certification · Level 1 — May 2026View certificate ⤢Verify on Credly ⤢

Xero

Xero Certified Associate

Xero advisor certification for clean multi-channel e-commerce books.

Xero Associate Certification — Aug 2026 · valid to Aug 2027View certificate ⤢Verify on Credly ⤢

Payroll

Payroll ProAdvisor

Payroll preparation and compliance with proper GL mapping throughout.

QuickBooks Online Payroll Certification — May 2026View certificate ⤢Verify on Credly ⤢

Intuit

Bookkeeping Certified

Intuit bookkeeping certification — accuracy as a habit, not a hope.

Intuit Bookkeeping Certification — May 2026View certificate ⤢Verify on Credly ⤢

MAB Online Academy

US Accounting & Bookkeeping

One-month intensive in QBO + Xero with extensive hands-on work. QBO & Xero exams passed.

MAB Academy · US Accounting & Bookkeeping — Jun 2026View certificate ⤢Verify on Credly ⤢Verify on Credsverse ⤢

§ 05 — The work

Twelve services. One practice.

From a one-off diagnostic to ongoing monthly maintenance — every engagement is built around the actual structure of an e-commerce business.

Auditor reviewing financial documents and reports

One-time

QBO / Xero Diagnostic Review

You know exactly what's wrong with your books and what it will take to fix — before you commit to any monthly service.

Deliverables: Full findings report, risk/opportunity list, recommended scope.

Receipts and paperwork gathered for cleanup

One-time

Bookkeeping Cleanup & Catch-Up

Your books go from messy and unreliable to clean, reconciled, and ready for accurate reporting or tax work.

Deliverables: Corrected transactions, reconciled accounts, closing balances tied out.

Monthly

Monthly Bookkeeping Maintenance

Your books stay current, accurate, and tax-ready every single month — no backlog, no surprises.

Deliverables: Monthly reconciliation, transaction categorization, financial reports.

Monthly

Bank & Credit Card Reconciliation

Every account reconciled to the statement — you know your cash position is real, not estimated.

Deliverables: Monthly reconciliation reports, variance investigation, closing balance proof.

Transaction data organized in a spreadsheet

Monthly

Transaction Categorization

Every transaction lands in the right account, so your P&L tells the truth.

Deliverables: Categorized transaction list, uncategorized review, vendor rules setup.

Monthly / Quarterly

Financial Reporting & Analysis

P&L, Balance Sheet, Cash Flow, and KPI reports that actually guide your decisions.

Deliverables: Custom monthly report pack, plain-language summary, trend analysis.

Accounting software set up on a computer

One-time

Accounting System Setup (QBO / Xero)

Your QBO or Xero built right from Day 1 — chart of accounts, workflows, and integrations that scale.

Deliverables: COA, product/service setup, class/location structure, automation rules.

Monthly

Inventory Management

Accurate COGS and inventory valuation that ties to your P&L — not a guess.

Deliverables: Inventory reconciliation, COGS method audit, reorder point reports.

Biweekly / Monthly

Payroll Preparation & Compliance

Payroll processed through Gusto with proper GL mapping — no more manual journal entries.

Deliverables: Gusto setup, GL sync, 941/940 reconciliation, W-2 prep.

Monthly

Accounts Payable Management

Bills paid on time, approval trails documented, 1099 data captured as you go.

Deliverables: Bill.com workflow, vendor setup, approval routing, 1099 tracking.

One-time

Third-Party App Integration

Bill.com, Hubdoc, Gusto, A2X set up and tested — automation that actually works.

Deliverables: App configuration, integration testing, workflow documentation.

Annual

Tax Preparation Support

Books delivered to your CPA in a format they can actually use — not a wall of raw data. Deliverables: Tax-ready workpapers, reconciliation summary, accountant handoff doc.

§ 06 — The transformation

Before & after.

The opposite of the pain list above. That's what you get — digital receipts, reconciled feeds, and reports by product and channel.

Before working with me

❌

Receipts in a drawer (or lost entirely)

❌

Amazon payouts unchecked for months

❌

Self-Assessment filed at 11:59pm on Jan 31st

❌

No idea if you're profitable by SKU or channel

❌

Accountant charges extra for "cleanup" at year-end

❌

Inventory COGS is a hopeful guess

After working with me

✅

Digital receipt capture — nothing lost

✅

A2X settlements reconciled, every payout tied out

✅

Self-Assessment ready weeks early

✅

Clear profitability reports by product & channel

✅

Accountant loves your clean, organised books

✅

COGS and inventory tied to the P&L to the penny

Case study — Catch-Up to Reconciled Close

From a folder of PDFs to tax-ready quarterly books in 90 days.

Client details anonymized; figures rounded. Real engagement, Q1 (January–March). Sole-proprietor service business with product sales mixed in — invoices in, costs everywhere.

The starting mess

Bank and card statements PDF-only, a full year of processor history in one giant PDF, an invoice list with a hole in its numbering, a ~1,000-row bill list from the wrong year, and no source at all for three new accounts. Classic catch-up — not negligence, just no close discipline.

Gap analysis first

Instead of typing bad data faster, I sequenced what should exist against what did — every invoice number, every statement, every loan disbursement matched to a deposit. One targeted request, answered in one round.

System built

Full quarterly close in cloud accounting using all four entry paths where each wins: line-item detail for PDF bills and loans, batch CSV for bank history, spreadsheet sync for bulk invoices, bulk-import for volume — opening balances tied to the prior-year trial balance to the penny. Underneath: statement normalization, transfer-matching, pending-transaction quarantine, a ~90-payee category map, monthly depreciation and gross reversal pairs that survive CPA review.

Ongoing value

Reusable templates going forward: auto-classifying category map, correctly split loan registers, and a quarter-end package (P&L, balance sheet, A/R + A/P aging, reconciliation summaries). Next quarter is maintenance — not another rescue.

~$18KQuarterly income reconciled, ~$7K COGS, ~$12K gross profit — the bottom line finally explained

$0Overdue payables at close. Checking, card and processor registers all tied to statements

1 roundSingle missing-items list to close the gaps — then a package a CPA can file from with zero cleanup

§ 07 — The process

Five phases. No surprises.

A structured, transparent engagement — from first call to ongoing monthly maintenance.

Gather all data

Collecting all financial documents and historical data for a complete picture of your current situation.

Set up the system

Setting up or optimizing QBO/Xero — a robust, tailored foundation for accurate tracking.

III

Record & reconcile

Meticulously recording and reconciling every transaction — every penny accounted for.

Prepare analysis

Clear, insightful reports and analyses — the data for informed decision-making.

Maintain the books

Consistent ongoing maintenance — accuracy and compliance month after month.

What's keeping you up at night.

"I have no idea if I'm actually making money"

"Amazon settlements make no sense"

"Self-Assessment makes me want to hide"

"I'm probably paying too much tax"

"Inventory? I just… hope?"

"My accountant sighs at my books"

Clear, accurate numbers

A2X-grade reconciliation

Tax without the stress

Your evenings back

A specialist, not a generalist.

Advanced ProAdvisor

Advisor Certified

Payroll ProAdvisor

Intuit Bookkeeping Certified

Every badge. Hover for proof.

QBO Advanced ProAdvisor

QBO Certification L1

Xero Certified Associate

Payroll ProAdvisor

Bookkeeping Certified

US Accounting & Bookkeeping

Twelve services. One practice.

QBO / Xero Diagnostic Review

Bookkeeping Cleanup & Catch-Up

Monthly Bookkeeping Maintenance

Bank & Credit Card Reconciliation

Transaction Categorization

Financial Reporting & Analysis

Accounting System Setup (QBO / Xero)

Inventory Management

Payroll Preparation & Compliance

Accounts Payable Management

Third-Party App Integration

Tax Preparation Support

Before & after.

Before working with me

After working with me

From a folder of PDFs to tax-ready quarterly books in 90 days.

The starting mess

Gap analysis first

System built

Ongoing value

Five phases. No surprises.

Gather all data

Set up the system

Record & reconcile

Prepare analysis

Maintain the books

Let's bring clarity to your books.