Fintech Accounting & CFO
Accounting & CFO Services for Fintech Startups
Money movement reconciliation, interchange accounting, cost-per-transaction unit economics, and audit-ready financials that pass regulator and partner-bank scrutiny.
Fintech finance is harder than it looks. Flow-of-funds, custodial accounts, interchange revenue, chargeback reserves, sponsor-bank pass-throughs — the ledger needs to match reality every day, not just at month-end. StartupCFO runs fintech books that hold up to partner-bank diligence and regulator review, and gives you unit economics at the transaction and user level.
What's Hard About Fintech Finance
The fintech-specific challenges that generic bookkeeping services miss.
Flow-of-funds and custodial accounting
Operating vs. custodial vs. for-benefit-of accounts reconciled daily. Customer funds never commingled with operating cash on the ledger.
Interchange, fees, and chargebacks
Revenue net of interchange, sponsor-bank fees, network assessments, and chargeback reserves — correctly reported so margin isn't overstated.
Unit economics per transaction
Contribution margin per transaction, per user, per cohort — the metrics sponsor banks and investors actually ask about.
Partner-bank and regulator diligence
BSA/AML program accounting, MSB filings, state money transmitter reporting, and audit trails partner banks demand.
Capital raise readiness
Fintechs raise against unit economics, not just ARR. We model cost-per-transaction, contribution margin, and payback for every investor update.
How StartupCFO Helps
One integrated team — accountant, CPA, and fractional CFO — running the right fintech playbook.
- Daily flow-of-funds reconciliation across operating and custodial accounts
- Interchange, chargeback, and partner-bank fee accounting
- Monthly close with GAAP-compliant revenue (ASC 606) and deferred recognition
- Unit economics dashboards — cost per transaction, contribution margin, payback
- Audit-ready financials for partner-bank and regulator requests
- Fractional CFO for fundraising, pricing, and capital-efficiency decisions
Fintech metrics we track
- Transaction volume, take rate, and net revenue
- Contribution margin per transaction and per user
- Chargeback rate, loss rate, and reserves
- CAC, LTV, and payback by acquisition channel
- Custodial balance and reconciliation variance
- Runway under conservative, base, and upside loss assumptions
Frequently Asked Questions
Do you work with sponsor-bank relationships?
Yes. We reconcile your operating and custodial accounts daily, produce the financial statements and control reports partner banks request in quarterly reviews, and coordinate with your compliance team on BSA/AML-related accounting.
How do you handle interchange and chargeback accounting?
Revenue is booked net of interchange, network fees, and sponsor-bank fees. Chargeback reserves are estimated based on historical loss rates and recognized per GAAP. You'll see gross vs. net revenue clearly in every board pack.
Can you help with money transmitter license reporting?
We produce the financial statements and audited-equivalent reports state MTL applications and renewals require. For the legal filings themselves, we coordinate with your MTL counsel.
What do fintech investors care about in a board pack?
Transaction volume, take rate, contribution margin per transaction, chargeback/loss rate, CAC payback, and runway under stress scenarios. Every board pack we produce leads with these.
Ready for Fintech-Native Accounting?
Book a free consultation and we'll walk through how we'd run your fintech books, taxes, and CFO support — live within 48 hours.
