All-In-One Platform — Trailing Paper

The Math

Your monthly SaaS bill, before and after.

Add up what you're actually paying right now — across accounting, payments, banking apps, time tracking, and the spreadsheets in between. This is what most small businesses look like.

Your typical stack

Q

QuickBooks Online Plus

Accounting

$99.00

S

Stripe

Payment processing

Volume-based

B

Bill.com

AP / vendor payments

$49.00

G

Gusto

Payroll

$45.00

E

Expensify

Expense reports

$15.00

P

Plaid (DIY integration)

Bank feeds

$0.00 + dev time

H

Harvest

Time tracking

$10.80

E

Excel / Google Sheets

The "rest" of it

$12.00

M

Mercury / Brex

Banking dashboard

$0.00

Monthly subscription total $230.80

+ payment processing fees + per-user fees

→

Replaced by

Trailing Paper

All-in-one accounting + payments + banking

Replaces all 9 above

$ 29.99 /month

Save $200.81/mo · $2,409.72/yr

✓Accounting + reporting
✓Payment processing
✓Bank feeds + reconciliation
✓AP / vendor bills
✓Expense tracking
✓Recurring invoices
✓Multi-company
✓Developer API

By Category

What we replace, in detail.

Not "kind of replaces" or "integrates with" — actually, fully replaces. Here's the category-by-category breakdown.

Accounting

Replaces
QuickBooks · Xero · FreshBooks · Wave

Real-time P&L, Balance Sheet, Cash Flow, AR/AP aging, sales tax reports. Automatic categorization on every bank transaction. Multi-entity support. Developer API.

Payments

Replaces
Stripe · Square · PayPal Business

Card processing, ACH, Apple Pay, Google Pay built into invoices. Hosted pay pages. Virtual terminal. Disputes & refunds in-platform.

Banking & Reconciliation

Replaces
Mercury · Brex (dashboard) · QBO bank feeds

Connect every account via Plaid. Auto-imported transactions. Smart matching against open invoices and bills. Force-refresh on demand.

Vendor Bills & AP

Replaces
Bill.com · Plooto · Melio

Track every bill. Pay vendors via ACH or check. Purchase orders that convert to bills on receipt. Vendor profile with running balance.

Expense Tracking

Replaces
Expensify · Ramp · Brex Expenses

Categorize bank transactions as expenses. Map to chart of accounts. Set rules for recurring ones (rent, software, etc.). Tax-ready by year-end.

Recurring Billing

Replaces
Stripe Billing · Chargebee · Recurly

Set frequency, interval, end conditions. Pause and resume. Generate child invoices on schedule. Email reminders. Deposit-only mode.

Multi-Entity / Holdings

Replaces
Separate QBO subscriptions per company

Unlimited companies, one login, one subscription. Enterprise dashboard rolls up cash, AR, AP, P&L across all of them.

Reporting

Replaces
QBO Advanced · Spotlight Reporting · Fathom

Real-time everything. Run reports for any date range. Compare period over period. Export to PDF/CSV.

Developer / API

Replaces
Locked behind premium tiers everywhere

Bearer token auth. REST + JSON for every entity. Webhooks for invoice paid / payment received / refund. Two-way sync with your store.

Why "integrations" aren't enough

Glue is not a strategy.

Yes, QuickBooks "integrates" with Stripe. And Bill.com "integrates" with QuickBooks. And Expensify "integrates" with both. Here's why that's not the same as one platform.

1. Every integration is a contract. When QBO updates, the Stripe integration breaks for two weeks. When Stripe pivots their API, the QBO sync goes stale. Glue tools have to chase both endpoints, and you're the one stuck reconciling.

2. The "single source of truth" is fictional. A payment that succeeds in Stripe but fails to post in QBO is a real, common problem. The customer sees the charge. Your books don't. You're stuck doing forensic Stripe-Sigma queries to find which invoice they belong to.

3. You pay for redundancy. Each tool has its own login, its own user list, its own permissions, its own audit log. Three people manage the same customer profile in three systems.

4. Integrations break with growth. Once you have multiple companies, multiple bank accounts, intercompany transactions, or international customers — the glue tools can't keep up. Trailing Paper was built for this from day one.

Real Customers

When all-in-one finally clicks.

I cancelled QuickBooks, Stripe (we still use it for the e-commerce side, but for invoicing it's all TP now), Bill.com, and Expensify in the same week. My accountant thanked me. The kicker: my reconciliation went from a Saturday-morning ritual to something I genuinely don't think about anymore. The platform tells me when something needs my attention.

SK

Sarah K.

Operator · Three e-commerce brands

One platform. Replaces your entire stack.

Your monthly SaaS bill, before and after.

What we replace, in detail.

Glue is not a strategy.

When all-in-one finally clicks.

Cancel your stack. Try one tool.