Export Stripe to BMDMollie, Adyen, Paddle & Lemon Squeezy included – one booking import for your tax firm in Austria
finHero turns the revenue, fees, refunds and payouts from your payment providers into an import-ready BMD NTCS booking batch – with invoice PDFs and a receipt list. Your tax advisory firm imports the batch instead of unpicking payouts line by line.
The problem
Stripe and BMD: where the manual work comes from
With Stripe, only a single aggregate payout arrives in your bank account – net, after all fees have been deducted. For bookkeeping in BMD, however, your tax firm needs every individual business transaction.
Net payouts
A single payout bundles dozens of payments, fees and refunds. Without a breakdown, it can't be matched to any invoice.
Fees per transaction
Stripe charges fees per payment. If you only book them as a monthly total, you lose the link to the individual transaction.
Multiple providers
Stripe for cards, Mollie for other payment methods, Paddle for software – each provider delivers different reports and columns.
Missing receipts
Invoices and credit notes sit in the provider dashboard. The tax firm has to request and match them one by one.
Booking logic
How Stripe data becomes a BMD booking batch
finHero books every transaction individually and referenceably via a clearing account for the payment provider. The example on the right shows two invoices that are paid via Stripe and paid out together.
- 1Invoice to customerThe outgoing invoice is booked against revenue – to an individual or a collective customer account, exactly as your tax firm specifies.
- 2Payment to the clearing accountThe incoming payment clears the customer account and lands in the provider's clearing account, including the transaction ID.
- 3Fee as a separate bookingEach Stripe fee is booked separately to bank charges (Spesen des Geldverkehrs): 120,00 + 360,00 − 2,05 − 5,29 = 472,66.
- 4Payout clears the accountThe payout of 472,66 to the bank brings the clearing account to zero. If a balance remains, you can see immediately where something is missing.
| Amount € | Account | Contra account | Booking text |
|---|---|---|---|
| 120,00 | 20000 | 4000 | AR RE-1001 · customer |
| 360,00 | 20000 | 4000 | AR RE-1002 · customer |
| 120,00 | 2800 | 20000 | Payment RE-1001 · ch_3Pa…7Qx |
| 2,05 | 7790 | 2800 | Stripe fee · ch_3Pa…7Qx |
| 360,00 | 2800 | 20000 | Payment RE-1002 · ch_3Pb…2Lm |
| 5,29 | 7790 | 2800 | Stripe fee · ch_3Pb…2Lm |
| 472,66 | 2870 | 2800 | Payout po_1Q…9Zt to bank |
Account numbers and amounts are sample values. Which accounts from the Austrian standard chart of accounts (Einheitskontenrahmen, EKR) and which tax codes you use is something you decide with your tax firm.
Business transactions
Which Stripe transactions end up in the BMD export
Not just payments: every transaction that changes the balance at the payment provider is exported as a separate, traceable booking.
| Transaction | Booking in the export | What to watch out for |
|---|---|---|
| Payment | Clearing account to customer | Transaction ID in the booking text, matched to the invoice |
| Fee | Bank charges to clearing account | Agree the VAT treatment with your tax firm |
| Refund | Credit note or cancellation against the customer, outflow from the clearing account | Credit note PDF is included as a receipt |
| Chargeback (dispute) | Separate, referenceable booking | Changes the payout – without its own booking, a balance would remain open |
| Payout | Bank to clearing account | Clears the clearing account |
| Paddle / Lemon Squeezy | Revenue against the provider as customer | Merchant of record model, reverse-charge revenue |
Export contents
What finHero's BMD export contains
The export is structured so that your tax firm sets it up once and then imports it the same way every month.
Five payment providers, one export
Stripe, Mollie, Adyen, Paddle and Lemon Squeezy – all revenue, fees and payouts land in the same BMD booking import.
Import-ready for BMD NTCS
Semicolon CSV with clear columns, amounts with a decimal comma, dates as DD.MM.YYYY – the firm maps the columns once and then imports monthly with a single click.
Traceable down to the transaction
Every booking record carries the payment provider's original transaction ID. Queries from your firm are resolved in seconds.
Your own chart of accounts (EKR)
Freely configurable accounts – set up the matching accounts from the Austrian standard chart of accounts together with your firm.
Catch up on past periods
Create exports for any months retroactively and quickly bring your accounting up to date.
Receipts included
Invoice PDFs are supplied – including a receipt list that assigns each file to its receipt number.
Merchant of Record booked correctly
Paddle and Lemon Squeezy revenue is booked as reverse-charge income against the provider as debtor – exactly as the MoR model requires.
Receipts & receipt list included
Invoice PDFs are supplied, the receipt list assigns each file to its receipt number – ideal for the BMD document archive.
Austria
Stripe accounting in Austria: what to clarify with your tax firm in advance
BMD NTCS is the accounting system at many Austrian tax advisory firms. finHero delivers the data in the right import format – the tax assessment remains with your tax firm. You should decide on these points together before the first export.
Tax rates and tax codes are deliberately mentioned here only in general terms. What your tax advisory firm decides for your company is binding.
Checklist for the alignment meeting
- Which EKR accounts are used for revenue, the clearing account, bank and bank charges
- Which tax codes apply to the revenue – for example at the standard rate of 20 % or for foreign revenue
- Whether customers are booked as individual customer accounts or via a collective customer account
- How the fees are treated – Stripe Payments Europe is based in Ireland
- How Paddle and Lemon Squeezy revenue (merchant of record) is recorded
- How often exports are run – monthly is common – and from which period retroactively
Payment providers
Stripe, Mollie & Paddle in BMD: differences by provider
All providers end up in the same booking import. How they are booked, however, depends on the provider's business model.
| Provider | Role | Booking logic in the export |
|---|---|---|
| Stripe | Payment service provider | Payments, fees, refunds, disputes and payouts individually |
| Mollie | Payment service provider | Revenue, fees and payouts using the same account logic |
| Adyen | Payment service provider | Revenue, fees and payouts using the same account logic |
| Paddle | Merchant of record | Revenue against Paddle as customer, reverse charge |
| Lemon Squeezy | Merchant of record | Revenue against Lemon Squeezy as customer, reverse charge |
Comparison
Stripe data for BMD: manually or with finHero
| Task | Manually | With finHero |
|---|---|---|
| Breaking down payouts | Download reports, match rows | Every payout split into individual bookings |
| Booking fees | Estimate or type in the monthly total | Per transaction, with ID |
| Preparing the CSV for BMD | Adjust columns, date and number formats | Semicolon CSV, decimal comma, DD.MM.YYYY |
| Collecting receipts | Download PDFs one by one | PDFs plus receipt list in the export |
| Multiple providers | A separate workflow per provider | One workflow for all five providers |
Is your company based in Germany? Then the Stripe DATEV export is the right route. For companies in Switzerland, there is the Stripe export to bexio and Abacus. The finHero demo shows what an export looks like.
In 3 steps
Connecting Stripe with BMD – how to get started
Connect payment providers
Connect Stripe via the finHero app in the Stripe App Marketplace, and Mollie, Adyen, Paddle and Lemon Squeezy via API key – each with read-only access only.
Agree on accounts
Enter the accounts from the Austrian standard chart of accounts that your tax firm specifies. In our experience, this alignment takes a few working days.
Create the BMD export
Select “BMD NTCS (Österreich)” when exporting. Your tax firm imports the booking batch together with the receipts into BMD.
For Stripe, there is the finHero app in the Stripe App Marketplace: a few clicks, no code, read-only access only. You can find details on connecting in the guide Connecting Stripe with finHero.
FAQ
Frequently asked questions about exporting Stripe to BMD
Can I export Stripe data directly to BMD?
Yes. finHero creates a booking batch for the BMD NTCS booking import from your Stripe data. When exporting, you select “BMD NTCS (Österreich)” as the accounting system, and your tax firm imports the file into BMD.
What format does the BMD export come in?
As a semicolon CSV with clear columns, amounts with a decimal comma and dates in DD.MM.YYYY format. The tax firm maps the columns once and then imports the same way every month. Invoice PDFs and a receipt list are included with the export.
Which payment providers are supported for BMD?
Stripe, Mollie, Adyen, Paddle and Lemon Squeezy. All revenue, fees and payouts end up in the same BMD booking import.
Which accounts are used?
The accounts are freely configurable. Together with your tax firm, you enter the appropriate accounts from the Austrian standard chart of accounts (EKR). The account numbers on this page are only examples.
How are Stripe fees treated for VAT purposes?
finHero books every fee as a separate booking with a transaction ID. Please agree with your tax advisory firm how the fees are to be treated for VAT purposes.
How are Paddle and Lemon Squeezy sales booked?
Paddle and Lemon Squeezy act as merchant of record. finHero books this revenue as reverse-charge revenue against the provider as customer.
Can I catch up on past months?
Yes. Exports can be created retroactively for any month, so you can quickly bring your bookkeeping up to date.
What does finHero cost and can I try it?
You can try finHero free for 7 days. The price depends on your transaction or invoice volume, the subscription can be cancelled monthly and additional users cost nothing extra.
Any more questions? You can find more articles in the knowledge base
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Your payment providers in BMD – without manual work
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