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Home Banking Cash Flow Capital Pricing Company FAQ

Store Payouts

Why don’t my Ecommerce payouts match my sales?

When you sell online, the amount deposited into your bank account is usually different from your total sales.

This is because payment platforms such as Stripe, Shopify Payments, Amazon, and PayPal deduct certain items before sending the final payout to your bank. These can include payment processing fees, refunds, returns, chargebacks, marketplace commissions, currency conversion fees, or rolling reserves.

Because of this, the final payout that reaches your bank account is often lower than your gross sales, which can make reconciliation difficult.

Hamilton Rock is designed specifically for Ecommerce businesses, which is why we are building Automated Payout Reconciliation. This will help you automatically match your orders, payment reports, and bank deposits, so you can clearly see where every dollar went and reduce hours of finance admin.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Store Payouts

What is automated payout reconciliation?

Automated payout reconciliation is a feature that helps your Ecommerce business match the money you receive in your bank account with the sales recorded in your online stores.

When you sell online, the payout you receive from platforms like Stripe, Shopify Payments, Amazon, or PayPal is usually different from your total sales because of processing fees, refunds, chargebacks, marketplace fees, and other adjustments.

Hamilton Rock automatically compares three key data sources — your store orders, your payment platform settlement reports, and the deposit that arrives in your bank account. This is often called a “three-way match.”

By automatically matching these records, Hamilton Rock helps you see exactly where every dollar went, reduce reconciliation errors, and save hours of finance admin every week

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

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Stripe Service Agreement

Hamilton Rock partners with Stripe Payments Company for money transmission and account services. Hamilton Rock is a financial technology company, not a bank. Banking services are provided by Fifth Third Bank, Member FDIC. Hamilton Rock Visa® Commercial Cards are issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc.
Neither Stripe nor Hamilton Rock are FDIC-insured institutions. Hamilton Rock accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. Deposit insurance applies up to $250,000 per depositor, per financial institution, for deposits held in the same ownership category, only to the extent pass-through insurance is permitted by FDIC rules and if the requirements for pass-through insurance are satisfied.
The Hamilton Rock earnings rate is a reward provided by Hamilton Rock on the money you hold in your Hamilton Rock account(s) and is not interest. The rate is variable, subject to change without notice, and accurate as of February 27th, 2026. The reward accrues daily, and is compounded and paid monthly in the form of a credit to your Hamilton Rock account. See Earnings Reward Terms.
Hamilton Rock is not a lender. When available, capital solutions will be provided by a third-party partner and subject to eligibility and approval.
Earn up to $2,000 USD cashback on all eligible purchases per calendar year. This cashback limit See Cashback Terms
Hamilton Rock requires no minimum balance and does not charge monthly, annual, account maintenance fees. Hamilton Rock charges $0 fees and has no money movement or transfer fees. Hamilton Rock doesn't charge ATM withdrawal fees, but you may be charged by an ATM provider.
Claims Substantiation
1. 1. 170 Days – Time Back:
  Based on 3m USD annual revenue ecommerce business (~1,700 orders/month). Manual reconciliation and finance admin require ~160 hours/month (5.65 min/order × 1,700 orders). Hamilton Rock automation eliminates ~85% of this workload: 1,360 hours saved annually ÷ 8-hour workday = 170 days reclaimed. Calculation assumes average founder compensation of $127,973 and 260 annual workdays.
2. $31,933 – More Cash:
  Representative cash-on-hand optimization for a 3m USD ecommerce seller with ~$62,000 average balance. Figure reflects working capital freed through improved cash-flow forecasting, faster access to capital, and reduced idle cash buffer requirements compared to traditional banking, based on JPMorgan Chase Institute SMB cash-buffer research and fintech case studies.
3. 60% Less Finance Admin:
  Typical ecommerce founder at 3m USD revenue spends ~20 hours/week (1,040 hours/year) on finance and admin tasks. Hamilton Rock's integrated banking, automated reconciliation, embedded cash-flow tools, and capital access automate ~624 hours annually. Calculation: 624 ÷ 1,040 = 60% reduction in finance admin workload.
4. $111,221 – Annual Savings:
  Aggregate savings for 3m USD ecommerce seller, comprising: (a) Founder productivity value: ($127,973 salary ÷ 260 days) × 170 days saved = $83,686; (b) Bank fees eliminated: $6,000; (c) Lower financing costs: 22% rate reduction on $62,500 facility = $13,650; (d) APY spread improvement: $62,000 balance × 1.37% = $849; (e) Cash-flow software: $2,800; (f) Reconciliation software: $3,456; (g) 1% debit cashback on $78,000 spend = $780. Total: $111,221.
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  Methodology Note:All figures based on U.S. ecommerce businesses with up to $3m annual revenue, average order value of $150, and
  All figures based on U.S. ecommerce businesses with up to $3m annual revenue, average order value of $150, and industry benchmarks from Webgility, ZipRecruiter, JPMorgan Chase Institute, and comparable fintech platforms. Full calculation methodology, assumptions, and supporting documentation retained on file and available upon request.

The average APY for business checking/savings accounts at Bank of America, Wells Fargo, Chase, and Citi (the “Big 4”) as published on their public U.S. websites and rate sheets on March 23, 2026 are 0.03%. These figures are based on point-in-time advertised rates compiled in the “APY Rates” analysis and may change without notice.
Next-day settlement (payout) is currently available for Stripe Dashboard users in the US. Eligibility is determined by Stripe based on account history and risk profile. Standard settlement timing is T+2 business days; switching to next day will not incur a monthly fee. Excludes ACH, bank transfers, and international charges. Payouts on weekends or bank holidays will settle on the next business day. See Next Day Settlement Terms for further details.
Based on eligible U.S. merchants using Stripe’s next‑day settlement with payouts to Hamilton Rock accounts, compared with standard T+2 settlement and typical ACH posting times at major U.S. banks. Actual payout and posting times vary by risk review, holidays, and bank processing.