Your POS rang it up. Did the bank actually pay you?

We tie every Toast and Square payout to your bank deposit, to the cent.

See the fees, tips, and Toast Capital holds in between
Every bank and every LLC in one live number
Will payroll clear Friday, answered before it's a problem

Check your settlements for free See the live demo

Runs on the payout exports you already have. No login, no card.

This week · Toast + Square

POS gross sales$128,940

Card processing fees−$3,740

Cash tips paid out−$2,180

Toast Capital hold not on your bank statement−$1,650

Refunds & chargebacks−$610

Should be in your bank$120,760

Actually deposited$120,408

Gap to chase · 1 batch short−$352

Reconciled · Sample data · payouts tied to your bank

Every payout, tied to the cent.

Drop in a payout and a bank export. About thirty seconds.

The gap, itemized

Gross, minus fees, tips, refunds, and the hold nobody labels.

Short, late, or missing

Tied only when both sides match to the cent.

No login to find out

Runs in your browser, on a live sample.

Run the free Settlement Truth Check

Drop in a payout. See what the platform took.

Your file never leaves your browser. No login, no signup.

Prefer the full page? Open the Settlement Truth Check ↗

One number. Friday answered. Nothing to migrate.

Every venue, one number.

A card per company, so you see which location carries the others.

All companies

Harbor Street Kitchen$186,200

Nineteenth & Vine$142,900

Old Mill Taproom$83,500

Total cash · 3 companies$412,600

Synced 6:02 AM

Inbox

TreasuryFlow · 7:02 AM Cash at 7:02 AM

Total cash $412,600 across 3 companies

Payroll $86,400 clears Friday, covered

1 batch came up short by $352

Synced 6:02 AM

Will payroll clear Friday?

Answered before it is a problem, with the autodrafts already on it.

Square connects live, Toast by payout upload, banks read-only via Plaid. Keep QuickBooks, keep MarginEdge, keep your POS.

Nothing to migrate

Your setup took years. We don't touch it.

Read-only through Plaid. We see balances. We cannot move money; nothing changes your books automatically.
Start with the free check. No account, no card.
Leave anytime, keep everything. Export it all, disconnect in two clicks.

The honest answers.

How is this different from my Toast or Square reports and my QuickBooks?

Your POS reports what you sold; your bank deposits what's left after fees, holds, refunds and chargebacks; QuickBooks runs a day or two behind. TreasuryFlow ties each payout to the real deposit and flags the short, late, or missing batch.

Is this a MarginEdge or Restaurant365 replacement?

No. MarginEdge and Restaurant365 run your food costs, invoices, and restaurant P&L. TreasuryFlow runs the check outside them: every POS payout tied to the real deposit, from your live bank feed, so a short batch can't hide. Plenty run both.

Which POS systems and banks do you connect to?

Banks connect read-only through Plaid. Square connects instantly; Toast by payout export. Delivery deposits (DoorDash, Uber Eats, Grubhub) show by amount and timing. We read alongside QuickBooks or Xero; nothing writes back to your books automatically.

I have a venue, a bar, and a couple of LLCs. Can it show them together?

Yes. Connect each entity's bank and you get one consolidated number plus a card per company. You pay $299 a month for each company with a connected bank; an empty shell entity with no bank is free.

Does my bookkeeper still do the books?

Yes. TreasuryFlow keeps its own books straight from the bank feed, a double-entry ledger where debits equal credits to the penny and every figure traces to a cleared transaction, as an independent check on QuickBooks.

It flags the batch that came up short, late, or missing.
Nothing posts to your books automatically; pushing an entry back is an action you take yourself, explicitly.
Your bookkeeper stays in charge of the ledger.

What if I want out?

Month to month, no contract. Export everything to Excel with exact values and disconnect in two clicks. The spreadsheet was always yours.