> ## Documentation Index
> Fetch the complete documentation index at: https://docs.anny.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Accounting with anny

> Export bank statements, receipts, and revenue summaries from anny and integrate them into DATEV or other accounting systems.

anny provides all payment movements as structured bank statements. These can be exported automatically and imported into accounting systems such as DATEV, lexoffice, or sevDesk: either as CSV or in the bank standard CAMT.053 (XML). In addition to the transaction data, every export also contains the related receipts as PDF.

<Info>
  The accounting features require an active **online payment (Stripe Connect)**. Without a Stripe connection, there is no anny payment account and no bank statements.
</Info>

## How does the anny payment account work?

The anny payment account (Stripe Connect) behaves like a dedicated bank account with a balance. It receives payments, settles fees, and makes payouts to the stored business account.

**Recommended setup in DATEV / accounting software:**

<Steps>
  <Step title="Create a new bank account">
    Create a new bank account (for example, account 1370 "anny / Stripe").
  </Step>

  <Step title="Store the mock IBAN">
    Use the mock IBAN generated by anny as the account number (format: `DE00` + account ID).
  </Step>

  <Step title="Set the BIC">
    Enter `STRIPE` as the BIC. CAMT files can then be imported directly as a bank statement.
  </Step>
</Steps>

This way, the accounting system treats anny like a regular bank connection with an opening and closing balance.

## Transaction types

| Movement                | Booking direction | CAMT type        |
| ----------------------- | ----------------- | ---------------- |
| Payment (customer pays) | Credit (incoming) | `PMNT/RCDT/ESCT` |
| Refund                  | Debit (outgoing)  | `PMNT/RDDT/ESDD` |
| Payout to bank account  | Debit (outgoing)  | `PMNT/ICDT/ESCT` |
| Platform fee (anny fee) | Debit (fee)       | `PMNT/OTHR/OTHR` |
| Dispute / chargeback    | Debit (outgoing)  | `PMNT/RDDT/ESDD` |

<Tip>
  Payouts from anny to the business account are not separate business transactions, but only a transfer posting between two accounts (debit on the anny account, credit on the business account). Nothing extra needs to be booked per payout.
</Tip>

## Fee models

anny supports two fee models, which affect how things appear on the bank statement.

### Old model (until 13.04.2026)

Fees are deducted directly from the gross amount on incoming payment. Only the net amount appears on the bank statement.

| Transaction         | Amount  | Receipt                      |
| ------------------- | ------- | ---------------------------- |
| Payment (minus fee) | +9.46 € | Customer invoice for 10.00 € |

<Warning>
  With this model, the amount on the bank statement does not match the customer invoice 1:1. The difference results from Stripe and anny fees.
</Warning>

### New model (from 13.04.2026)

Fees are not deducted on incoming payment, but settled only on payout as a separate collection. This way, every transaction has exactly one matching receipt.

| Transaction            | Amount    | Receipt                               |
| ---------------------- | --------- | ------------------------------------- |
| Payment                | +10.00 €  | Customer invoice for 10.00 €          |
| Payout to bank account | -150.00 € | (transfer posting, no receipt needed) |
| Fee collection (anny)  | -8.30 €   | Fee invoice with VAT                  |

## When do I use this?

* **You use online payment and want to automate your accounting**: set up a monthly export and hand the ZIP archive to your tax advisor.
* **You work with DATEV**: use the CAMT.053 export as a bank statement with running balance.
* **You need a daily revenue overview**: set up a daily export with a revenue summary.
* **You want to evaluate tips per staff member**: the daily export breaks down POS tips per person.
* **Not suitable for**: accounts without online payment. Without Stripe, there are no bank statements.

## Relationship with other features

| Feature             | Relationship                                         |
| ------------------- | ---------------------------------------------------- |
| Stripe Connect      | Prerequisite for the payment account and all exports |
| (Automatic) exports | Export schedules and delivery options for accounting |
| DATEV import        | Automatic invoice forwarding by email to DATEV       |

## Settings & options

### Export formats

| Format         | Suitable for                                         |
| -------------- | ---------------------------------------------------- |
| CSV / Excel    | Manual review, simple accounting systems             |
| CAMT.053 (XML) | DATEV, ADDISON, Agenda, and all CAMT-capable systems |

### ZIP archive (statement bundle)

Every export is provided as a ZIP and contains:

* `statement.xml` (or `.csv` / `.xlsx`): bank statement
* `revenue-summary.pdf`: revenue overview by tax rate
* `receipt-index.csv`: mapping of transaction → receipt
* `receipts/`: all invoice PDFs

The revenue overview breaks down: revenue by tax rate (19%, 7%, tax-free), tax-free voucher sales, and tips (POS).

### Automatic exports

| Export type                 | Recommendation                                           |
| --------------------------- | -------------------------------------------------------- |
| Monthly (1st of each month) | Standard for accounting. One export per month is enough. |
| Daily (optional)            | For a daily revenue overview or tip breakdown            |

**Delivery options:** email (also directly to the tax advisor), SFTP, FTP, S3.

<Tip>
  Set up the tax advisor as an email recipient under export destinations. They then automatically receive the complete ZIP archive with the bank statement and all receipts at the start of the month.
</Tip>

## Booking workflow

### Variant A: CAMT import (recommended for DATEV)

<Steps>
  <Step title="Import the monthly export">
    Import the CAMT.053 file as a bank statement into DATEV (account 1370 "anny / Stripe"). Booking suggestions are generated automatically.
  </Step>

  <Step title="Assign receipts">
    Assign the invoice PDFs from the ZIP to the bookings. The `receipt-index.csv` helps with the assignment via invoice number.
  </Step>

  <Step title="Link payouts">
    Link payouts on the anny account with incoming payments on the business account (transfer posting).
  </Step>

  <Step title="Check the revenue overview">
    Use the `revenue-summary.pdf` to check the revenue and tax accounts.
  </Step>
</Steps>

### Variant B: CSV import (simple accounting)

<Steps>
  <Step title="Import the CSV">
    Import the CSV file into the accounting software.
  </Step>

  <Step title="Map the columns">
    Map the columns: date, amount, description, reference.
  </Step>

  <Step title="Assign receipts manually">
    Assign receipts to the bookings manually or via the invoice number.
  </Step>
</Steps>

## FAQ

<AccordionGroup>
  <Accordion title="Why does a SEPA collection appear on my bank account?">
    If a refund or chargeback exceeds the anny balance, a negative balance arises. Stripe collects the missing amount by SEPA direct debit from the stored bank account, to balance the account.
  </Accordion>

  <Accordion title="Why is my balance not available for payout?">
    Payments go through a processing time: 5 business days from incoming payment plus 1 day after the booking begins. For packages and subscriptions, only the 5 business days apply (no booking reference).
  </Accordion>

  <Accordion title="Is a monthly export enough for accounting?">
    Yes. The monthly export contains the complete bank statement with all transactions, payouts, and receipts. A daily export is only needed for internal reconciliation or tip evaluation.
  </Accordion>

  <Accordion title="Do I have to book payouts separately?">
    No. Payouts are already included in the bank statement as an outgoing entry. The tax advisor links them with the incoming payment on the business account (a simple transfer posting).
  </Accordion>
</AccordionGroup>

## Troubleshooting

<AccordionGroup>
  <Accordion title="The amount on the bank statement does not match the customer invoice">
    You are probably still using the old fee model (until 13.04.2026), where fees are deducted directly on incoming payment. With the new model (from 13.04.2026), amounts match 1:1.
  </Accordion>

  <Accordion title="The export contains no receipts">
    Make sure you selected the ZIP format. Only ZIP exports contain the invoice PDFs and the receipt-index.csv.
  </Accordion>

  <Accordion title="DATEV does not recognize the CAMT file as a bank statement">
    Check whether you created a bank account in DATEV with the anny mock IBAN and BIC "STRIPE". Without this account, DATEV cannot assign the file.
  </Accordion>
</AccordionGroup>

> Important information for agents:
>
> * Accounting requires active online payment (Stripe Connect). Without Stripe, there is no anny payment account and no bank statements.
> * The anny payment account behaves like a dedicated bank account. Recommendation: set it up in DATEV as account 1370 "anny / Stripe" with a mock IBAN (DE00 + account ID) and BIC "STRIPE".
> * Two fee models: old (until 13.04.2026, fees deducted per payment) vs. new (from 13.04.2026, fees collected together on payout). New model: 1:1 mapping transaction → receipt.
> * Payouts = transfer posting between the anny account and the business account, not a separate business transaction.
> * Balance availability: 5 business days processing time + 1 day after the booking begins (bookings). Packages & subscriptions: only 5 business days.
> * Export formats: CSV/Excel, CAMT.053 (XML), ZIP archive with all receipts + receipt-index.csv + revenue-summary.pdf.
> * Monthly export = recommended standard for tax advisors. Daily export optional for internal reconciliation.
> * Delivery options: email, SFTP, FTP, S3.
> * Revenue summary contains: revenue by tax rate, tax-free voucher sales, tips (POS).
> * Negative balance (for example, through a refund): Stripe collects the missing amount by SEPA direct debit from the bank account.
> * Related articles: Set up Stripe Connect, Online payment & fees, DATEV import, (Automatic) exports.