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

Your 1099-K says $90,690. You actually earned $74,209.

Refunds, chargebacks, processing fees, and sales tax can make your 1099-K differ from the income you actually kept. TaxMatch helps reconcile the gap and generates a review worksheet.

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1099-K

Gross processor totals

Refunds

Adjustment review

Fees

Processor categories

PDF + CSV

Worksheet exports

PDF + CSV

Worksheet exports

Refunds

Adjustment category

Processor fees

Reconciliation input

AES-256 encrypted
SOC 2 infrastructure
Bank-level security
CPA-approved worksheet
The Problem

The 1099-K problem

Payment processors report your gross volume to the IRS. But that number includes refunds, chargebacks, fees, and sales tax — money you never kept. The result can be a 1099-K total that differs from your actual taxable income.

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

Your actual income

After TaxMatch reconciliation

$74,209.41

Actual taxable income after all IRS-recognized adjustments.

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

Without reconciliation, you could overpay taxes on $16,480.59 of non-income payments.

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 actual income.

Multi-Processor Reconciliation

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

Tax Review Worksheet

Generate a professional PDF reconciliation worksheet you can review with your CPA or keep with your tax records.

Automatic Adjustments

TaxMatch helps categorize refunds, chargebacks, processing fees, and sales tax so you can explain why your 1099-K differs from actual income.

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.

256-bit SSL

All data encrypted in transit

Tax Review Formats

PDF worksheets for CPA review

Bank-Level Security

AES-256-GCM encryption at rest

SOC 2 Readiness

Enterprise compliance standards

How it works

Three steps to tax clarity

Go from confused about your 1099-K to a professional worksheet you can review with your CPA.

1

Connect

Link your payment processors or upload transaction data. Shopify Payments, PayPal, and Stripe auto-connect in seconds.

2

Reconcile

TaxMatch maps your 1099-K gross to actual income — deducting refunds, fees, chargebacks, and sales tax automatically.

3

Report

Download a reconciliation worksheet (PDF + CSV) to review with your CPA or use in your tax records.

Dashboard

See the full picture at a glance

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

taxmatch-web.vercel.app/dashboard

Reconciliation Overview

Tax Year 2025 — 3 processors connected

All Reconciled

1099-K Gross

$90,690.00

Reported by processors

Actual Income

$74,209.41

After adjustments

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.

$24.99/mo
  • Everything in Pro
  • Multi-store management
  • API access
  • Custom report branding
  • Dedicated account manager
Start Free Trial

All plans include a 14-day free trial. No commitment required.

Use cases

Built for review workflows

Explain a 1099-K mismatch

Compare gross processor totals against refunds, chargebacks, fees, and sales tax so the gap is easier to review with your accountant.

Prepare a clean worksheet

Turn processor exports and Shopify payment data into a PDF and CSV worksheet instead of rebuilding the same spreadsheet every season.

Check common adjustments

Review refunds, fees, chargebacks, shipping, and sales tax adjustments before you hand figures to your CPA.

Comparison

TaxMatch vs manual reconciliation

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

Category
TaxMatch
Manual / CPA
Reconciliation workflow
Guided worksheet
Manual spreadsheet work
Adjustment review
Common categories shown
Depends on setup
Cost
From $9.99/mo
$200+/hr (CPA)
Payment processors
Unlimited (Pro+)
Manual tracking
Reconciliation worksheet
Auto-generated
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?
Your 1099-K reports gross payment volume — before refunds, fees, and taxes. Reconciliation maps the difference between that gross number and your actual taxable income. TaxMatch helps categorize common adjustments such as refunds, chargebacks, processing fees, and sales tax, then produces a clear worksheet for review.
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 14-day free trial work?
Every plan includes a 14-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?
Absolutely. All processor credentials are encrypted with AES-256-GCM. Transaction data is stored encrypted in PostgreSQL on SOC 2 compliant infrastructure. All API calls use TLS. We never sell or share your data.
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.
What happens after my trial expires?
If your 14-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.
What does TaxMatch check?
TaxMatch checks common reconciliation inputs such as refunds, chargebacks, processing fees, shipping, and sales tax. You should still review the worksheet with your CPA or tax professional before filing.

Stop guessing. Start reconciling.

The average Shopify seller has a $12,400 gap between their 1099-K and actual income. TaxMatch explains every dollar.

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

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