Accounting & BookkeepingFinancial Management3MediumBookkeeper$ implied

A bookkeeper is struggling to clean up imported credit card transactions that include expenses from multiple unrelated business owners who shared the same card, requiring manual identification and removal of non-client transactions.

QBO imports all transactions from a connected credit card without distinguishing between different business owners sharing the card, forcing manual cleanup and reconciliation.

Opp. Score

Severity

3Medium

Willingness to Pay

implied

Added

Apr 19, 2026

Workarounds Described

manually categorizing each transaction to identify client expenses
disconnecting bank feeds to stop importing unwanted transactions
planning to delete non-client transactions manually
considering manual adjusting journal entries to reclassify the account

Implied Software Gaps

Automated filtering of shared credit card transactions by business owner
Integration with accounting software that preserves only relevant transactions
Automated journal entry creation for reclassifying shared card accounts

App Concept

CardSplitter Pro

CardSplitter Pro is a financial reconciliation tool that automatically identifies and separates transactions from shared credit cards used by multiple business owners. It integrates with accounting software like QBO to filter transactions by business owner using AI pattern recognition and manual tagging, eliminating hours of manual cleanup work.

Key Features

AI-powered transaction categorization by business owner
Seamless integration with QuickBooks Online and Xero
Manual tagging and rule-based filtering for shared expenses
Adjusting journal entry automation for cleaned transactions

Target Users: Bookkeepers and accountants in accounting firms who handle clients with shared or borrowed credit cards, typically serving small to medium businesses.

Revenue Model: $49/month per accounting firm seat with unlimited client projects

Existing Solutions Mentioned

QBO (QuickBooks Online)

Part of App Idea

BankVault Secure Access Hub

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