Specialist Financial Support for Digital Payment & Stored-Value Businesses

Digital payment providers and gift card businesses operate in a highly transactional and regulated environment. Managing customer funds, tracking stored-value liabilities, reconciling high-volume transactions, and maintaining accurate financial reporting require structured and precise accounting processes.

At Paperchase Business Services Ltd (PBSL), we provide tailored accounting and bookkeeping services for digital payment platforms, e-money businesses, and gift card providers, helping you maintain financial clarity while meeting regulatory and operational requirements.

Our Services for Digital Payment & Gift Card Businesses Include

We deliver structured accounting support designed for high-volume, transaction-driven businesses:

High-volume transaction bookkeeping
Reconciliation of payment platform and merchant accounts
Safeguarding account reconciliations (where applicable)
Tracking of stored-value and outstanding gift card liabilities
Revenue recognition and breakage calculations
VAT accounting and Making Tax Digital (MTD) submissions
Management accounts and financial performance reporting
Cash flow monitoring and forecasting

Our systems are designed to handle complexity while maintaining accuracy and transparency.

Managing Stored-Value & Liability Accounting

Gift card and prepaid payment businesses must accurately track outstanding balances and customer liabilities. Poor tracking can distort financial reporting and create regulatory risk.

We help businesses:

Monitor unredeemed gift card balances
Track expiry and redemption activity
Calculate and report breakage where applicable
Maintain clear liability reporting
Reconcile merchant settlements accurately

This ensures your financial statements reflect the true position of your business.

Reconciliation & Financial Control

Digital payment businesses often operate across multiple systems, payment gateways, and merchant platforms. Strong reconciliation processes are essential.

We support:

Clear reconciliation processes reduce errors and improve audit readiness.

VAT & Compliance Considerations

Digital and stored-value businesses may face complex VAT treatment depending on structure and product type. We ensure VAT records are maintained digitally and returns are prepared in line with current HMRC requirements under Making Tax Digital.

Our focus is on maintaining compliance while ensuring clarity in financial reporting.

Why Choose PBSL for Digital Payment Accounting?

Experience supporting transaction-heavy businesses
Structured reconciliation and liability tracking
Strong financial control processes
Accurate VAT and statutory reporting
Professional and compliance-focused service

We understand the operational pace and financial complexity of digital payment businesses and provide dependable accounting support aligned with your growth.

Looking for Structured Accounting Support for Your Digital Payment or Gift Card Business?

Contact Paperchase Business Services Ltd to discuss your requirements and discover how we can help strengthen your financial reporting and operational control.