2026 tax season — reconcile your 1099-K before April 15

Your 1099-K says $90,690. Your records include $16,481 in adjustments.

Form 1099-K reports gross payments without subtracting items such as fees or refunds. TaxMatch compares that gross with imported Shopify Payments, PayPal, Stripe, or CSV records and prepares a worksheet for you and your tax professional to review.

Start free trial — no cardView Pricing

$20K + 200

TPSO federal filing trigger*

Gross

Box 1a is unadjusted

3

Processors, one worksheet

PDF + CSV

Export formats

* The federal trigger shown applies to third-party settlement organizations and requires both amounts to be exceeded. Payment-card transactions have no minimum, and platforms or states may issue forms below this level. Receiving a form does not by itself determine taxable income.

AES-256 encrypted
TLS connections
PDF + CSV export
Professional review encouraged
The Problem

The 1099-K problem

Form 1099-K Box 1a reports gross payments without adjustments for fees, credits, refunds, shipping, cash equivalents, or discounts. Compare the form with your records before deciding how amounts should be reported on a tax return.

What the IRS sees

Form 1099-K

$90,690.00

Gross payment volume reported by Shopify Payments, PayPal, and Stripe combined.

Shopify Payments: $52,410.00

PayPal: $26,180.00

Stripe: $12,100.00

Example net after listed adjustments

After TaxMatch reconciliation

$74,209.41

Illustrative subtraction only — not taxable income or tax owed.

Refunds & Returns-$8,412.30
Processing Fees-$3,620.70
Sales Tax Collected-$2,894.00
Chargebacks-$1,553.59
Total Adjustments-$16,480.59

Example difference after the listed adjustments: $16,480.59. Verify the source records and tax treatment before filing.

Features

Everything you need for 1099-K reconciliation

Built for e-commerce sellers who are tired of guessing why their 1099-K doesn't match their processor records.

Multi-Processor Reconciliation

Connect Shopify Payments, PayPal, and Stripe. TaxMatch consolidates all your 1099-K forms into one reconciliation.

Reconciliation Worksheet

Export a PDF or CSV that organizes the reported gross, imported records, and adjustment categories for review with your tax professional.

Adjustment Review

Categorize refunds, chargebacks, processing fees, and collected sales tax so you can compare them with the unadjusted 1099-K gross.

Discrepancy Detection

Automatically finds and explains differences between your 1099-K and calculated gross, with severity ratings.

Quarterly Pre-Checks

Don't wait until tax season. Get quarterly snapshots so you're never surprised by a discrepancy.

Works With or Without Shopify

Use as a Shopify embedded app or as a standalone web SaaS. Same data, same experience.

See your gap

What does your 1099-K actually leave you?

Move the sliders to compare reported gross with selected adjustment categories. This illustration does not calculate taxable income or tax owed.

$
Processing fees2.9%
Refunds9%
Sales tax collected6%
Chargebacks1%

Illustrative — adjust to your own numbers. Shopify Payments & Stripe are typically 2.9% + 30¢.

Reported to the IRS (gross)$90,690
Refunds-$8,162
Processing fees-$2,630
Sales tax you collected-$5,441
Chargebacks & disputes-$907
Gross minus selected amounts$73,550

Selected adjustments total $17,140. Verify each category against your records and ask a tax professional how it should be reported.

Illustration only. This calculator does not determine taxable income, deductions, or tax owed.

The multi-processor trap

Sell on more than one processor? You'll get more than one 1099-K.

Shopify Payments, PayPal, and Stripe may each issue a form. Use every form together with your underlying records when preparing a return.

PayPal isn’t in your Shopify 1099-K

PayPal may issue its own form. Keep each form with the underlying records so your tax professional can review the complete picture.

Combine and de-dup — carefully

Two or three forms have to be summed without double-counting overlapping transactions. TaxMatch reconciles every processor into one clean worksheet.

Match by transaction date

IRS instructions determine the dollar amount on the transaction date. Match transaction-level records rather than relying only on payout timing.

3 forms1 reconciliation

256-bit SSL

All data encrypted in transit

Structured Worksheet

Reported gross, records, and categories

Encrypted Credentials

AES-256-GCM before storage

Review Before Filing

Not a tax-filing service

How it works

Three steps to tax clarity

Compare your 1099-K gross with imported records and prepare a reconciliation worksheet for professional review.

1

Connect

Link a supported payment processor or upload transaction data from Shopify Payments, PayPal, or Stripe.

2

Reconcile

TaxMatch compares the 1099-K gross with imported records and groups refunds, fees, chargebacks, and collected sales tax for review.

3

Report

Download a PDF or CSV reconciliation worksheet to review with your CPA or other tax professional before filing.

Dashboard

See the full picture at a glance

Your reconciliation summary, processor breakdown, and IRS worksheet — all in one clean dashboard.

app.taxmatch.app/dashboard

Reconciliation Overview

Tax Year 2025 — 3 processors connected

All Reconciled

1099-K Gross

$90,690.00

Reported by processors

Net After Listed Adjustments

$74,209.41

Illustrative only

Total Adjustments

-$16,480.59

18.2% of gross

Discrepancies

0

All clear

Adjustment Breakdown

Refunds & Returns-$8,412.30
Processing Fees-$3,620.70
Sales Tax Collected-$2,894.00
Chargebacks-$1,553.59
Reconciled3 processors connected
Last synced: 2 min ago
Pricing

Simple, transparent pricing

Pick the plan that fits your business. Upgrade or downgrade anytime.

Standard

For individual sellers with one store.

$9.99/mo
  • Up to 2 payment processors
  • Annual reconciliation worksheet
  • PDF + CSV export
  • Email support
Start Free Trial
Most Popular

Pro

For growing sellers with multiple processors.

$19.99/mo
  • Unlimited payment processors
  • Quarterly pre-checks
  • Discrepancy detection
  • CPA sharing & collaboration
  • Priority support
Start Free Trial

Premium

For high-volume sellers and agencies.

$34.99/mo
  • Everything in Pro
  • 5 years of reconciliation history
  • Estimated tax calculator
  • Audit-defense templates
  • Custom report branding
Start Free Trial

All plans include a 30-day free trial. No commitment required.

Comparison

TaxMatch vs manual reconciliation

Stop wrestling with spreadsheets. See why sellers switch to TaxMatch.

Category
TaxMatch
Manual workflow
Workflow
Guided categories
Build formulas and categories
Repeat review
Saved reconciliation records
Recheck workbook logic
Cost
From $9.99/mo
Varies by process
Payment processors
Unlimited (Pro+)
Manual tracking
Reconciliation worksheet
Generated PDF + CSV
Build from scratch
Quarterly checks
Automated
Not practical
Discrepancy alerts
Real-time
End of year surprise
CPA collaboration
Built-in sharing
Email back and forth
FAQ

Frequently asked questions

Everything you need to know about 1099-K reconciliation and TaxMatch.

What is 1099-K reconciliation?
Form 1099-K reports gross payments without adjustments for items such as fees, refunds, credits, shipping, cash equivalents, or discounts. Reconciliation compares that gross figure with your records and organizes potential adjustments for review. TaxMatch does not determine taxable income or file a tax return.
Do I need a Shopify store?
No. TaxMatch works as a standalone web app. You can import transactions via CSV or connect PayPal/Stripe directly. Shopify integration is optional — if you have a Shopify store, you can also install TaxMatch as an embedded app for even tighter integration.
How does the 30-day free trial work?
Every plan includes a 30-day free trial. You get full access to all features in your chosen plan. If you don't subscribe before the trial ends, your account is paused until you pick a plan.
Is my financial data secure?
Processor credentials are encrypted with AES-256-GCM before storage and supported processor connections use TLS. TaxMatch reads transaction records for reconciliation; it cannot move funds. Review the privacy and security documentation for the current data-handling details.
What payment processors are supported?
TaxMatch supports Shopify Payments, PayPal, and Stripe out of the box with automatic syncing. You can also import data from any processor using CSV upload. We are continuously adding new integrations.
Can my CPA access my data?
Yes. On Pro and Premium plans, you can invite your CPA or accountant to view your reconciliation data and download worksheets. They get read-only access to exactly what they need — nothing more.
My CPA already handles my taxes — do I need this?
TaxMatch organizes imported records and adjustment categories into a worksheet your CPA can review. It does not replace professional judgement, decide deductibility, or prepare or file your return.
What if the IRS sends me a mismatch notice (CP2000)?
A CP2000 proposes changes when third-party information does not match a return. TaxMatch can organize processor records and adjustment categories for you and your tax professional to review, but it does not determine the correct response, prevent a notice, or provide tax advice.
How is this different from QuickBooks, A2X, or Synder?
QuickBooks, A2X, and Synder cover broader accounting or commerce-sync workflows. TaxMatch focuses on comparing 1099-K gross amounts with supported processor or CSV records and does not require a separate accounting-platform connection.
What happens after my trial expires?
If your 30-day trial ends without selecting a paid plan, your account is paused. Your data is preserved — nothing is deleted. Once you subscribe to any plan, your account reactivates immediately with all your data intact.
How accurate is the reconciliation?
TaxMatch calculates from the records and categories supplied to it. You should verify imported data, classifications, and worksheet totals against source records. Tax treatment depends on your facts; TaxMatch is not a tax adviser or filing service.

Already received an IRS mismatch notice? See our CP2000 guide for how to respond.

Stop guessing. Start reconciling.

Form 1099-K Box 1a reports gross payments — it does not calculate taxable income. Refunds, fees, chargebacks, and sales tax all inflate the number. TaxMatch explains every dollar of the gap.

Start Your 30-Day Free TrialSign In

30-day free trial on every plan. Full access. No commitment.

Sister apps for Shopify sellers: SmartCash · ProfitShield · all JMS Dev Lab apps