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Disclosure: I'm the founder of Kopplio, the product discussed in this article.
Back in 2020, I was running HEATE — a community teaching music producers to earn online. We were processing payments through Stripe and handling our bookkeeping in Moneybird, which is pretty standard for Dutch entrepreneurs.
What wasn't standard was the accounting.
Every week I'd look at Stripe payouts and try to reconcile them with Moneybird. The problem: Stripe pays out in one lump sum per day or week, not per transaction. So a single payout of €1,400 might represent 23 individual sales across seven countries, each with a different VAT rate. Netherlands gets 21%. Germany 19%. France 20%. B2B sales inside the EU are zero-rated reverse charge. Sales outside the EU get 0%. And thanks to the One-Stop-Shop (OSS) regulation, EU consumer sales have their own separate reporting requirement.
I tried spreadsheets first. Then Zapier automations. The spreadsheets were a mess to maintain, and the Zapier setup kept breaking whenever Stripe or Moneybird changed something in their APIs. I was spending hours every month on accounting that should have taken minutes.
So I built a fix for myself.
It started as an internal script — something I ran manually to sync transactions. Over time it got more capable. I added payout splitting so that weekly Stripe payouts get broken down into their individual transactions in Moneybird. I added exchange rate handling for multi-currency transactions. I added automatic fee invoices for Stripe's transaction costs. Eventually I had something that actually worked reliably, and I realized other Dutch entrepreneurs with the same Stripe + Moneybird stack were probably dealing with the same mess.
That tool is now Kopplio.
What it does
Kopplio sits between Stripe and Moneybird and keeps them in sync automatically. When a payment comes in through Stripe, Kopplio books it in Moneybird with the correct VAT treatment — no decisions required on your end. When Stripe pays out at the end of the week, Kopplio splits that single payout into the individual transactions so your books reflect what actually happened. When a customer gets a refund, that gets booked too.
The VAT logic is what makes this genuinely hard to build. Dutch B2C sales get 21% or 9% depending on the product. EU B2B sales get reverse charge. EU consumer sales fall under OSS. Non-EU exports get 0%. Kopplio handles all of this automatically based on the customer location and transaction type that Stripe already knows.
Multi-currency transactions get converted at the exchange rate from the transaction date, with currency differences booked separately. Stripe's fees show up as purchase invoices.
The goal is that you never have to manually touch a Stripe transaction in Moneybird again.
Who it's for
If you're a Dutch entrepreneur selling online through Stripe and using Moneybird, Kopplio is built for you. Especially if you're selling to customers across Europe and dealing with EU VAT — the OSS regime added real complexity for indie makers and small businesses that didn't exist a few years ago.
I also built this for my other projects. AutomagicWP and selektable.com both run the same Stripe + Moneybird stack, and Kopplio now handles the bookkeeping for both of them. It's the infrastructure I wish existed years ago.
Pricing
Kopplio starts at €7/month. There's a 14-day trial for €1 so you can actually verify it's working before committing. No long onboarding, no consultants. If something doesn't work right, you can reach me directly — I answer my own support.
You can get started at kopplio.com.
Building tools that solve your own problems is the best kind of product development. You're the most critical customer. You know exactly when something is broken because it breaks for you first. After years of patching together spreadsheets and fragile automations, I'm glad this one finally works.