Four-stage commission tracking: Expected → Received → Matched → QB Posted. Auto-match with a $1 configurable variance threshold, 50+ CSV column formats, full distribution waterfall, and QuickBooks GL journal entry sync.
Revenue This Month
$124,800
+8.4%
Pending Match
14
↓ 6 from last week
Missing Commissions
7
$8,420 est.
Avg Match Confidence
94%
+2%
What it is
A four-stage commission engine: Expected (policy bound, rate resolved) → Received (carrier pays per statement) → Matched (reconciliation classified as EXACT or POTENTIAL) → QB Posted (GL journal entry created in QuickBooks). Every commission dollar is tracked from the moment a policy binds to the moment it lands in your general ledger.
Upload carrier statements in CSV or Excel. The system auto-detects 50+ column header formats — no manual mapping required. Each line is matched to your policy book: EXACT matches (policy number + carrier + amount within the configurable $1 threshold) are accepted automatically. POTENTIAL matches (same carrier, ≤5% variance) are queued for human review. Sequential statement IDs like STMT-2026-08-0042 keep your records organized by carrier-month.
Every EXACT match automatically posts a balanced GL journal entry to QuickBooks: Debit Commission Income Account, Credit Producer Payable Account. Statement-level sync uses the human-readable ID as the QB DocNumber. A background scan checks posted entries against QuickBooks every 90 days and flags any that have drifted more than $0.02 as QB_MODIFICATION_DETECTED exceptions. Void and resync any statement from the Statements tab with a full audit trail.
Core capabilities
CSV or Excel upload with auto-detection of 50+ carrier header formats. Sequential IDs: STMT-YYYY-MM-NNNN.
Drag and drop any carrier's commission CSV or Excel file. The import engine auto-detects column headers across 50+ format variations — no manual mapping required. Each statement gets a sequential human-readable ID (e.g., STMT-2026-08-0042) scoped per carrier-month per agency. That ID becomes the QB DocNumber when synced. Upload multiple statements in one session for month-end batch reconciliation.
EXACT match (≤$1 variance) auto-accepts. POTENTIAL match (≤5%, same carrier) queues for review.
Every commission line is matched against your policy book. EXACT matches — policy number + carrier + amount within the agency's configurable $1 variance threshold — are accepted automatically and trigger producer payable generation and GL posting. POTENTIAL matches (same carrier, ≤5% variance, different policy number) are staged as NEEDS_REVIEW for human confirmation. Match confidence is stored as EXACT or POTENTIAL on every reconciliation record.
AMOUNT_MISMATCH, DUPLICATE, CHARGEBACK, QB_MODIFICATION_DETECTED, and 10 more — all with state-machine resolution.
The Exceptions tab surfaces 14 distinct exception types including UNMATCHED_PAYMENT, COMMISSION_VARIANCE, CARRIER_STATEMENT_VARIANCE, CHARGEBACK, and QB_MODIFICATION_DETECTED. Each exception moves through a state machine: OPEN → INVESTIGATING → RESOLVED / ACCEPTED_VARIANCE / ESCALATED. Resolve or accept variance actions require a note. Unreconciled expected commissions past 45 days are automatically surfaced as exceptions.
Gross commission → aggregator/MGA cuts → net agency commission → producer split → manager override → agency retained.
The full distribution waterfall is calculated on every matched commission: gross commission minus sequenced DistributionRule cuts (aggregator/MGA/wholesaler percentage-of-running-balance) yields net agency commission. The producer's configured split is applied next, followed by any sales-manager override (deducted only from the agency's retained share — never from the producer's payout). The final frozen payable amount is stored per producer with a full JSON breakdown for traceability.
Auto-posts Debit/Credit journal entries on every match. Scans QB every 90 days for drift. Immutable audit log.
Every EXACT reconciliation match automatically posts a balanced GL entry to QuickBooks (Debit: Commission Income, Credit: Producer Payable) using the 7 configured account mappings. Statement sync uses the STMT ID as QB DocNumber. A background process scans POSTED matches from the last 90 days and flags entries that have drifted more than $0.02 as QB_MODIFICATION_DETECTED. Every sync, void, resync, and GL posting is recorded in an immutable Audit Log tab with event type, amount, timestamp, and user.
5-item blocking/warning checklist before closing a period — open exceptions block close, unsynced statements warn.
Before closing a commission period, a checklist surfaces: open exceptions (BLOCKING), unmatched commission lines (WARNING), unsynced commission statements (WARNING), QB posting NEEDS_REVIEW matches (BLOCKING), and outstanding carrier payables (WARNING). The Commission Engine Summary on the Dashboard tab shows 5 live tiles — Expected This Month, Received This Month, Outstanding, Producer Payables Owed, Exceptions — each clickable to the relevant tab.
What they don't do
Matching commission statements to policies in Excel is a multi-day exercise each month, prone to VLOOKUP errors, and nearly impossible to audit. EXACT/POTENTIAL auto-matching handles it in minutes.
Without automated comparison, missing commissions go unnoticed for months. Unreconciled expected transactions past 45 days are automatically surfaced as exceptions.
Calculating distribution waterfall splits by hand — gross, aggregator cut, agency retain, producer split, manager override — introduces errors and disputes. The engine calculates and freezes every payable automatically.
Manually entering a Debit/Credit journal entry in QB for every matched commission takes hours monthly. Every EXACT match auto-posts the GL entry using your configured account mappings.
When commission data lives only in accounting software, producers and owners have no real-time view. The Commission Engine Summary dashboard shows Expected, Received, Outstanding, and Payables Owed live.
Without an immutable log, there is no way to reconstruct who matched what, when a statement was synced to QB, or why a reconciliation was voided. The Audit Log captures every accounting event with user and timestamp.
What it takes off your plate
Reads 50+ carrier CSV/Excel column header formats automatically — no manual mapping required before import.
Resolves commission rates in priority order: CarrierAppointment base rate → active promo override → tiered-by-book-premium override → CommissionRateReference fallback. Supports percentage and flat-dollar rates.
Auto-generates a frozen ProducerPayable with full waterfall breakdown (gross → distribution cuts → net → producer split → manager override → agency retained) on every EXACT match.
Posts a balanced Debit/Credit journal entry to QuickBooks on every EXACT reconciliation match using the 7 configured account mappings. Non-blocking — a posting failure doesn't roll back the match.
Scans all POSTED ReconciliationMatch records from the last 90 days against QuickBooks and creates a QB_MODIFICATION_DETECTED exception for any that have drifted more than $0.02.
Writes an immutable QBSyncLog entry on every sync, void, resync, and GL posting with event type, amount, QB ID, DocNumber, status, error message, triggering user, and timestamp.
A day in the life
8:00 AM
Download statements from 8 carrier portals. Drag all 8 CSV files into the Statements tab. Column headers auto-detected — each gets a sequential ID (STMT-2026-08-0001 through 0008). Matching begins immediately.
8:15 AM
EXACT matches auto-accepted — GL entries already queued for QB. 14 POTENTIAL matches (same carrier, <5% variance) are in the review queue. Confirm 11, manually link 3 with the correct policy. Each confirmation triggers waterfall calculation and producer payable generation.
9:00 AM
Seven exceptions surfaced: 4 UNMATCHED_EXPECTED (past 45 days), 2 AMOUNT_MISMATCH, 1 QB_MODIFICATION_DETECTED. Investigate the QB drift — QuickBooks shows the entry was edited. Void and resync from the Statements tab with a note. Audit Log records the event.
10:30 AM
Open Producer Payables tab. Each producer's expandable waterfall shows: gross commission → MGA cut → net agency → their split → agency retained. Mark the two producers who've been paid. Waterfall frozen at match time — no recalculation risk.
2:00 PM
Period Close shows: 0 BLOCKING exceptions, 1 WARNING (one statement not yet synced to QB). Sync it from the Statements tab. Checklist clears. Commission Engine Summary shows Expected vs Received for the month — both tiles green.
Daily impact
Statements Processed
EXACT Auto-Match Rate
Exceptions Resolved
GL Entries Posted to QB
Four-stage tracking, EXACT/POTENTIAL auto-matching with $1 threshold, full distribution waterfall, QuickBooks GL sync, and an immutable audit log — built into your AMS.