One Tool. Every Client. Every Pay Run.
You manage the books for multiple businesses.
Now manage their payments the same way—without per-client fees eating your margins.
The bookkeeper's dilemma
You already know the pain:
- Every client is different: Different accounting software, different banks, different export formats
- Per-transaction services don't scale: When you're processing payments for 10+ clients, fees add up fast
- Manual entry is a liability: One wrong digit means a rejected payment—or worse, money sent to the wrong account
- Month-end chaos: AP runs pile up, and you're racing the bank's upload deadline
- Your time is your inventory: Hours spent on payment entry is hours you can't bill
EFT Flow: Built for multi-client practices
One license. Unlimited clients. Map each client's export format once, then process their payments in minutes.
$95/month flat. Or $2,990 once, forever. Process 5 clients or 50—same price.
How it works for bookkeepers
Create a profile with their originator ID, bank details, and vendor list.
QuickBooks, Sage, Xero, Wave—export their payment list to Excel/CSV.
First time: tell EFT Flow which columns are what. It remembers for next time.
EFT Flow matches vendor names to their saved bank details.
Bank-ready file generated. Upload to the client's bank portal (or have them do it).
After initial setup: Steps 2-5 take about 2 minutes per client. That's it.
Built for multi-client reality
Each client stays separate
- Separate originator IDs per client
- Separate vendor databases
- Separate column mappings
- Switch between clients in seconds
Handle any software mix
- Client A uses QuickBooks Desktop
- Client B uses QuickBooks Online
- Client C uses Sage 50
- Client D uses a spreadsheet
- All of them work in EFT Flow
The economics for bookkeepers
Let's do the math. A typical bookkeeping practice with 15 clients:
| Approach | Monthly Cost | Annual Cost |
|---|---|---|
| Per-transaction service (avg 30 payments/client) | ~$450/month | ~$5,400/year |
| Per-client software ($20/client/month) | $300/month | $3,600/year |
| EFT Flow monthly | $95/month | $1140/year |
| EFT Flow lifetime | $0 after purchase | $2,990 once |
The real savings: Beyond the subscription cost, think about your time. If EFT Flow saves you 30 minutes per client per month, that's 7.5 hours. At $75/hour, that's $562.50 in billable time recovered. Every month.
Volume discounts for practices
If your team needs multiple seats:
Subscription discounts
- 3+ seats: 15% off
- 7+ seats: 20% off
- Need more? Contact us
Lifetime makes sense
At $2,990 one-time, the lifetime license pays for itself in under 32 months.
For an established practice, it's the obvious choice.
Works with every accounting package
Your clients use different software. That's fine.
QuickBooks Desktop
Export vendor payments, import into EFT Flow.
QuickBooks Online
Export to Excel, process the same way.
Sage 50
Export AP reports, map columns once.
Xero
Export batch payments to CSV.
Wave
Export invoices or bills to pay.
Spreadsheets
Some clients just use Excel. Works too.
The pattern: If the software can export to Excel or CSV, EFT Flow can turn it into a bank file. No API integrations needed. No IT setup. Just export → import → done.
How to offer this to clients
Options for structuring EFT services in your practice:
Include it in your fee
"Direct deposit included" becomes a selling point. Your flat cost means predictable margins.
Bill separately
Charge $25-50/month for "EFT processing" as an add-on service. Pure profit after covering your EFT Flow cost.
Per-run pricing
Charge $10-15 per payment run. Clients who run weekly payroll pay more than monthly AP runs.
Value-based
Emphasize time savings and error reduction. Price based on the value, not the cost.
FAQ for bookkeepers
How many clients can I handle with one license?
Unlimited. One EFT Flow seat can manage as many client profiles as you need. The license is per-computer, not per-client.
Do I need to be on my client's bank account?
No. You generate the CPA-005 file. Your client uploads it to their own bank portal (or you can upload if they've given you access). You never need access to their banking credentials.
What if a client changes accounting software?
Just create a new column mapping for their new export format. The vendor database stays the same. Takes about 5 minutes.
Can my staff member use it too?
Each computer needs its own license. If both you and a staff member process payments, you need two seats (with volume discount).
What about clients with different banks?
CPA-005 is a universal Canadian standard. The same file format works for RBC, TD, BMO, CIBC, Scotiabank, credit unions—all of them.
Is there training available?
EFT Flow is designed to be self-explanatory, but we offer support and can walk you through your first few client setups. Setup takes about 15 minutes per client.
Ready to streamline your practice?
One tool for every client. Any accounting software. $95/month flat—no per-client or per-payment fees.