Cash Flow Add-on
The Cash Flow add-on is a treasury forecast built for Amazon sellers who finance through Payability. You upload a Payability payments report, and Iraca projects the new money arriving each day — the reserve released as each pending payout settles, plus an estimate of your ongoing advances — then crosses that against your bank balances, credit cards, pending supplier invoices, and recurring expenses to show, day by day, your projected available balance and where you'd come up short.
It is a standalone paid add-on available to Pro and Canopy plan tenants, and it requires the Accounting & Close add-on to be active first.
What it does
| Piece | What you get |
|---|---|
| Payability balance | Enter the available balance from your Payability dashboard; it anchors the whole forecast |
| Payability import | Upload a Marketplace Payments CSV; Iraca reads every statement, keeps a record of it, and projects when pending funds arrive |
| Learned transit time | Iraca measures your own settled history to learn how many business days your payouts take to land — it doesn't assume |
| Daily forecast | A grid showing, for each day, the reserve landing (known), the estimated advance run-rate, your projected available balance, and what it's worth withdrawn to your bank |
| Payment methods | Bank accounts and credit cards, so balances and card headroom feed the forecast |
| Expected expenses | Payroll, rent, utilities, and other recurring outflows crossed against your incoming funds |
Before you start
Cash Flow builds on the accounting layer, so a couple of things need to be in place:
- Activate Accounting & Close first. Cash Flow requires it. If Accounting isn't active, you'll be prompted to turn it on before you can start Cash Flow. See the Accounting & Close Add-on.
- Be on a Pro or Canopy plan. Cash Flow isn't available on the Starter tier.
Activating the add-on
- Go to Billing in the sidebar.
- Scroll to Add-ons.
- Find Cash Flow and click Start 14-day free trial or Subscribe.
Once active, a Cash Flow item appears in the sidebar under Analytics.
First-time setup
The first time you open Cash Flow, a short setup guide walks you through the essentials so your forecast is useful right away:
- Your recurring expenses (payroll, rent, utilities).
- Your payment methods (bank accounts and cards).
- Whether you use Payability — with the toggle on by default and a plain-language explanation if you're not familiar with it.
You can skip it at any point and come back later — the Setup guide button at the top of the page re-opens it whenever you want.
Turning Payability on or off
Payability is an optional funding source inside Cash Flow. The Payability switch at the top of the page controls it:
- On (default) — the full forecast: import your report, track your balance, and see projected reserve releases and advances. Everything in this guide applies.
- Off — a plain cash-flow forecast on your bank balances, credit cards, and expenses only. The Payability balance, import, imported-payments list, and the reserve/advance/withdrawal columns disappear, and the forecast is simply your available funds minus what's due.
Turn it off if you don't use Payability — you still get a useful bank-and-expenses forecast without the parts that don't apply to you.
Paid directly by Amazon
If you're not on Payability and Amazon pays you directly, turn on Paid directly by Amazon (the switch appears once your Amazon finance data has synced). This is a different funding mode — mutually exclusive with Payability — where your Amazon funds are your incoming cash, projected forward from your bank balance with no withdrawal fee. Turning it on switches the Payability tools off, since they don't apply.
This mode reads directly from your connected Amazon account (via Amazon's Finances API) and models funds releasing day by day — the same near-daily signal a financier like Payability works from. The daily forecast grid shows two columns in place of the Payability Reserve/Advance pair:
- Amazon releasing (green — known) — funds that have already released on Amazon, shown on the day they land in your bank, about 2 business days after they release (weekends and bank holidays are skipped). This is real, earned money you can count on — the amounts vary day to day, matching your actual sales.
- Releasing (est.) (italic — estimate) — once the known releases run out, Iraca projects future releases forward at your recent daily release run-rate. It's a forecast, not a guaranteed amount.
The 2-business-day transit is currently borrowed from the Payability settlement timing and is an adjustable assumption — if your Amazon-to-bank timing differs, contact support and we can tune it for your account.
Releases that already landed before your forecast window. Money that released a few days ago has already landed in your bank by the time you check the forecast — so it isn't repeated as a future inflow. Instead, if any release landed within about the last week, Iraca shows a small notice above the grid ("$X landed on Amazon just before this forecast window") listing each date and amount. This is a check, not a warning: it's there so you can confirm your Bank available balance already reflects that money. If you haven't updated your bank balance since, that amount is real and already yours — just make sure it's counted.
Importing a Payability report
- In Payability, download a report as a CSV.
- In Iraca, open Cash Flow and click Import Payability report.
- Choose the file. Iraca reads it, learns your transit time, and updates the forecast.
One button, three reports. The same import accepts any of Payability's exports and figures out which one it is automatically:
- Marketplace Payments — your payouts. Drives the forecast (pending funds, transit time).
- Transfers — money you've moved from Payability to your bank. Stored as an audit ledger.
- Fee — the fees Payability has charged. Stored as an audit ledger.
Only the Marketplace Payments report feeds the forecast; transfers and fees are records you can review, and they don't change your projected funds.
You'll see a confirmation with how many statements were read, how many are still pending, and the transit time Iraca learned (for example, "a 2-business-day transit"). You can re-import an updated report any time — statements are matched by their Payability Statement ID, so re-importing refreshes existing rows instead of duplicating them.
How the projection works. For every statement that hasn't paid out yet, Iraca projects its arrival date as the statement's period-end date plus your learned transit time, counted in business days and skipping weekends and US bank holidays. The transit time is learned from your own settled statements, so it adapts to your account rather than relying on a generic estimate.
Setting your Payability balance
The single most important number is your Payability available balance — the balance shown in your Payability dashboard. This is the starting point for the forecast: what you can spend right now.
- On the Cash Flow page, find the Payability balance bar and click Set balance (or Update).
- Enter the available balance from your Payability dashboard and the date you read it.
- Save.
Iraca treats this balance as your day-one anchor and then layers the new money on top of it as it arrives (see Reading the forecast). The bulk of every pending statement — the ~80% Payability advances early — has usually already been paid out and spent, so it's not added again; only the genuinely new money is projected forward. That keeps the forecast honest instead of double-counting funds you've already used.
Keep it current — this is required, not just a suggestion. Because the forecast layers new money on top of the entered balance, it only avoids double-counting if that balance is recent. If it's more than 7 days old, or you've never entered one, the Daily forecast is replaced with a prompt to update it — Iraca won't project from a number old enough that it might not reflect advances you've already received. Each entry is kept as history so you can see how your balance has moved over time.
Tip: For the most accurate forecast, do two things together each week — import a fresh Marketplace Payments report (so pending payments reconcile to settled and the transit time keeps tuning) and update your Payability balance. The import handles what's coming; the balance handles what's already there.
Reading the forecast
Each row in the grid is one day.
- Reserve in (green — known) — the reserve Payability withholds from each statement, exactly 20%, released fee-free on the day that statement is projected to settle. This is the only new money the forecast projects.
- Available — your entered balance, plus the reserve that's landed by that day, minus everything due. This is spendable fee-free on your Payability Seller Card. Rows where it goes negative are highlighted.
- To bank (−4%) — what that balance is worth if you withdraw it to your bank account, after Payability's 4% withdrawal fee. Spending on the card is free; moving cash to the bank costs the 4%.
Why there's no "future advance" estimate. The other ~80% of every statement isn't held back for settlement — Payability advances it to you continuously, as sales happen, before the statement's period even closes. By the time a statement shows up as "pending," that 80% has typically already reached you and is reflected in whatever balance you last entered. Projecting it again on the statement's settlement date would count it twice. Rather than invent a number to bridge the gap, the forecast relies on you keeping the balance current — that's why it's gated behind a fresh one (see above) instead of running on a stale figure.
Amazon payouts (audit)
If your Amazon account is connected and the Amazon Listings add-on is active, a separate Amazon payouts card shows your account's real numbers directly from Amazon — funds released, funds paid to your bank, funds still held in reserve, and a daily release run-rate. This appears whether you're on Payability or "Paid directly by Amazon," and it's purely informational: it does not feed into the Daily forecast above, and updating your Payability balance doesn't change it.
This card has its own fixed date range, shown in its subtitle — it does not follow the From/To dates you set for the Daily forecast below it. The two are unrelated: the Daily forecast's date range picks which future days to project, while the Amazon payouts card always reflects the last ~60 days synced from your Amazon account. Changing the forecast's dates won't move this card's numbers.
Want a date range you can choose, a breakdown by fee category, or to search a specific order or listing? Click "See fees by category, and search by order or listing" on the card, or go to Integrations → Amazon Finances directly — see the Amazon Finances guide.
It's there so you can compare your Payability-based projection against Amazon's own numbers directly, and to see at a glance how dependent the business is on Amazon revenue — a released total that's a large share of your other revenue is worth watching.
The point of the highlighted (short) days is to show them before they happen — so you can bring a payment forward, defer an outflow, or plan a transfer in advance.
Keeping track of imported payments
Every statement you import is kept under Imported payments at the bottom of the page — marketplace, period end, amount, whether it's settled or still pending, and the date it landed (or is projected to). When you import an updated report, statements that have since paid out flip from Pending to Settled automatically, so this list doubles as your running reconciliation of what Payability has paid you.
Transfers and fees. If you also import your Transfers and Fee reports, they appear as their own tables — transfers out (requested, fee, received) and fees over time. These are audit ledgers for your records; they don't affect the forecast, which stays anchored to the balance you enter.
Adding payment methods
Open Cash Flow → Payment methods → Add to enter a bank account or credit card.
- Bank accounts contribute their available balance to your fee-free funds.
- Credit cards contribute their available credit to your headroom. Enter it directly from your card app or statement (it's usually more accurate than limit-minus-balance once pending charges and holds are counted); your total card headroom is the sum of available credit across all your cards. If you leave it blank, Iraca falls back to limit minus current balance. A card's minimum payment also shows up as an outflow on its due date.
For your security, Iraca stores only the last four digits of a card or account — never the full number.
Updating a credit card each month. Use the Update this month (pencil) action on a card to record the new cycle's balance, available credit, minimum due, and due date. Each update is kept as history — open the History (clock) action to see how the card's balance and due dates have moved over time. Bank balances are current-only and are simply overwritten when you change them.
Adding expected expenses
Open Cash Flow → Expected expenses → Add to enter recurring or one-off outflows — payroll, rent, utilities, a loan payment. Set the amount and how often it recurs (one time, weekly, biweekly, semimonthly, or monthly). For monthly and semimonthly expenses you can set the day of month they fall on; for the others, set the start date. You can also record which payment method covers each expense and add notes. Iraca projects each occurrence across your forecast window and subtracts it on the day it's due.
If the Accounts Payable add-on is active, your approved and partially-paid supplier invoices are pulled in automatically as outflows on their due dates — no need to re-enter them here. Bills that are already past due aren't lost: any overdue invoice weighs on day one of the forecast, so it hits your opening position instead of disappearing off the start of the window. See the Accounts Payable Add-on.
Adjusting the fee assumptions
The forecast uses Payability's model — the share of a statement advanced early (which sets the reserve released) and the 4% bank-withdrawal fee. These come with sensible defaults and can be tuned per workspace if your Payability terms differ. If your numbers don't match what you see, contact support and we'll adjust them for your account.
A note on the card cashback: Payability markets a cashback reward on Seller Card spend, but it doesn't appear on any statement or fee report, so Iraca does not assume it — the card is simply treated as fee-free. If you can confirm you actually earn it, let us know and we can factor it in.
What it doesn't do (yet)
- It doesn't connect to your bank, card, or Payability automatically — balances are entered and updated by you, and the Payability balance is read from your dashboard.
- It doesn't import a separate Payability transfers/withdrawals feed yet. It doesn't need one to stay accurate — re-entering your dashboard balance already reflects transfers out — but a full transfer-by-transfer audit trail is a future addition.
- It doesn't move money or pay anyone — it's a forecast, not a payment tool.
- It's built around Payability's payout timing today; other financing providers aren't modeled yet.