🛒 Online seller specialists · Multi-platform & OSS VAT

E-commerce accountants for London online sellers. Shopify, Amazon, Etsy, eBay.

Single-platform Shopify shop or pan-EU Amazon FBA empire? We integrate every platform, reconcile orders gross with fees broken out, handle multi-currency P&L, EU One-Stop Shop VAT, returns and chargebacks. Built for sellers who already know their conversion rate but can't see their true margin per channel.

★★★★★ 4.8/5 from 100+ reviews · Multi-platform · OSS VAT · FBA pan-EU · King's Cross N7
£195/mo
Single-Platform Bookkeeping
£395/mo
Multi-Platform Bookkeeping
£195/qtr
EU OSS VAT Returns
Mon–Sat
10am to 7pm
Every major e-commerce platform supported

Selling on these? We integrate the lot.

Daily reconciliation, fee-class breakdown, multi-currency handling, refunds and chargebacks tracked separately. If you're on a platform not listed, ask — we've integrated nearly every UK and EU storefront.

🛍️
Shopify
📦
Amazon FBA
🎨
Etsy
🏷️
eBay
🛒
WooCommerce
💳
Stripe
Why generalist firms get e-commerce wrong

E-commerce books are messier than they look. We see what's hidden.

Every order has gross sales, platform fees, payment-processor fees, shipping income, refunds, sometimes multi-currency conversion. Generalists drop the Stripe payout into one P&L line and lose all the underlying margin signal. Four problems below show up on every onboarding call.

Symptom #1

"My margin per channel is invisible — I can't tell if Etsy is profitable."

Each platform takes a different cut: Shopify 2.9%+, Amazon 15%+, Etsy 6.5% + listing + transaction, eBay 13%, plus payment-processor fees on top. Without breaking these out separately you can't see whether you're losing money on a low-margin channel. We split fees by class so you see net margin per platform.

Symptom #2

"I sell to EU customers and have no idea about OSS VAT."

Once your EU B2C sales pass €10,000 in a calendar year you must register for VAT in every destination country OR use the One-Stop Shop scheme to file a single quarterly return covering all destination-country VAT. Most generalist firms miss this entirely. We register you for OSS and file the quarterly return at £195/quarter.

Symptom #3

"My multi-currency P&L is full of unexplained variance."

Sales in USD, EUR, AUD, CAD. Platform fees in those currencies. Bank converts to GBP at varying FX rates plus conversion fees. Done manually you lose 1-3% in unexplained noise. We use Xero / QuickBooks multi-currency, reconcile platform-currency payouts against bank-currency receipts, and disclose FX gain/loss separately.

Symptom #4

"I'm a sole trader doing £80K and someone said I need MTD?"

Yes — from April 2026 every sole trader and landlord above £50,000 turnover must file quarterly digital submissions to HMRC under Making Tax Digital for Income Tax. Annual self-assessment is no longer enough. £150/quarter (£600/year) for the quarterly service. At your scale you should also be looking at limited company conversion which removes MTD ITSA entirely.

The single biggest e-commerce VAT trap

EU One-Stop Shop (OSS). Why every UK seller shipping EU needs it.

If you ship physical product B2C into the EU and your annual EU sales pass €10,000, you have a VAT obligation in every destination country. OSS turns that into a single quarterly return. Here's how it works.

Why this saves time + risk

One quarterly return covers all 27 EU destination-country VAT.

Pre-2021 (and pre-OSS), UK sellers shipping to EU consumers had to register for VAT in each EU country once they crossed each country's distance-selling threshold. Multiple registrations, multiple returns, multiple penalty regimes.

OSS replaces all of that with a single quarterly return filed in your home country (UK, via HMRC's IOSS portal in some cases or via direct EU registration in another member state). You collect destination-country VAT at point of sale, then remit it via OSS.

The threshold to trigger the obligation is just €10,000 of total cross-border B2C sales across the EU per year. Most UK Shopify or Etsy sellers shipping EU pass this within months. Without OSS you either under-collect VAT (creating a future liability) or stop shipping EU entirely (lost revenue).

€10K
Annual EU B2C threshold to trigger OSS / multi-country VAT registration. Most UK sellers cross this within their first year of EU shipping.
⚙ E-commerce Profit Health Check

Find your e-commerce service mix and fee. Five questions, one minute.

Answer five quick questions about your platforms, turnover and operations. We'll show you the right service mix, an estimated monthly fee, and flag any MTD or OSS obligations you might be missing.

Question 1 of 5
What's your trade structure?
Sole trader (just me)
Limited company
Limited company with team
Just starting out
Question 2 of 5
What's your annual turnover?
Under £50K
£50K – £150K
£150K – £500K
£500K+
Question 3 of 5
How many platforms do you sell on?
One platform only
Two platforms
3 – 4 platforms
5+ platforms / marketplaces
Question 4 of 5
Do you ship to EU customers (B2C)?
No — UK only
Occasional, well under €10K/yr EU
Regular EU sales above €10K/yr
Amazon FBA pan-EU / multi-country
Question 5 of 5
What about multi-currency selling?
GBP only
GBP + one other (USD or EUR)
2 – 3 foreign currencies
4+ foreign currencies
Your result

Your e-commerce position

Based on your answers, here's the right setup.

Estimated monthly fee £—
💬 Send my result to your team
E-commerce pricing snapshot

The fees an online seller actually pays. Standard, transparent.

Below is the typical service mix and standard fee for e-commerce sellers. Quotes are issued in writing within 24 hours of the call — request one to see what discounts and seasonal offers are available in the current period.

E-commerce service fees

All prices exclude VAT. From the master service-fee schedule.

ServiceDescriptionFee
Multi-Platform E-commerce
2+ platforms, multi-currency
Consolidated reporting across Shopify / Amazon / Etsy / eBay from £395/month
Amazon FBA Pan-EU VAT Setup
Multi-country FBA, OSS scheme
UK + EU VAT registrations, OSS scheme set-up from £695setup
EU One-Stop Shop (OSS) Returns
Quarterly EU B2C VAT
Single quarterly return covering all destination countries from £195/quarter
UK VAT Returns (Standard)
Single rate, simple B2B / B2C
Quarterly preparation and filing under MTD from £195/quarter
UK VAT Plus (Mid-Complexity)
Mixed rates, e-commerce returns
Multi-rate handling, partial recovery, MTD filing from £295/quarter
Limited Company Accounts
Solo director e-commerce business
FRS accounts, CT600, Companies House, confirmation statement from £1,200/year
Need the full fee list? See our complete service-fee schedule covering every service line.
Real e-commerce outcomes

What our online sellers actually got back. Real numbers.

Three recent examples from a single-platform Shopify seller, an Amazon FBA pan-EU operator and a multi-platform group. Names changed, numbers real.

Single-platform Shopify

£14K of margin recovered by splitting fees out of the Stripe payout

A Shopify clothing brand doing £420K turnover came to us with a generalist firm dropping the entire Stripe payout into one P&L line. Looked like 38% gross margin. We rebuilt to split gross sales, Shopify fees, Stripe fees, shipping income and returns into separate lines. Real gross margin was 31% — and shipping was being subsidised by £14K/year because the price didn't cover the cost. They lifted shipping prices that month.

Year-1 margin recovery
+£14,000/yr
Amazon FBA pan-EU

OSS registration prevented a 6-figure backdated EU VAT bill

An Amazon FBA homewares seller had been shipping to Germany, France and Italy via FBA pan-EU for 18 months without realising they had crossed the €10,000 OSS threshold in month 3. Backdated VAT exposure across three countries was approaching £85,000. We registered for OSS, submitted voluntary disclosures with HMRC and the affected EU authorities, negotiated penalty mitigation, and put the quarterly OSS service in place going forward at £195/quarter. Final exposure settled at £31K — a £54K saving versus the worst case.

Penalty mitigation
+£54,000 saved
Sole trader Etsy → Ltd Co

MTD readiness review led to a £6,400/yr tax saving via incorporation

An Etsy seller doing £80K as a sole trader contacted us worried about MTD for Income Tax. We confirmed MTD ITSA applied (mandatory from April 2026) and modelled the limited company alternative. Optimal salary plus dividends through a Ltd Co saved £6,400/year in tax on the same profit AND removed the MTD ITSA requirement entirely (Ltd Cos file Corporation Tax). They incorporated, we registered the new entity for VAT and OSS, and onboarded onto Tier 2 accounts at £2,200/year.

Annual tax saving
+£6,400/yr

E-commerce-specific quote, in writing within 24 hours.

Tell us your platforms, turnover, EU exposure and structure. We'll send a written fixed-fee quote covering exactly the services you need — and any current discounts or offers in the period.

E-commerce accounting questions answered

Frequently asked questions.

If your question isn't here, message us on WhatsApp or book a free 15-minute call.

What does an e-commerce accountant do that a generalist accountant doesn't?+
E-commerce books are messier than generalist firms expect. Every order has gross sales, platform fees (Shopify 2.9%+, Amazon 15%+, Etsy 6.5%, eBay 13%), payment-processor fees (Stripe, PayPal, Klarna), shipping income, refunds, chargebacks, and sometimes multi-currency conversion. Multi-platform sellers run on 3-5 systems simultaneously. Generalist firms usually drop the Stripe payout into one line and lose all the underlying margin signal. We integrate every platform, reconcile orders gross with fees broken out separately, and produce a P&L that shows true margin per channel.
How much does an e-commerce accountant cost in London?+
Single-platform sellers under 500 orders/month typically pay £195/month for e-commerce bookkeeping plus £1,200/year for limited company accounts. Multi-platform sellers (2+ platforms, multi-currency) pay £395/month. Add quarterly VAT (£195/quarter standard, £295/quarter mid-complexity for mixed rates) and OSS VAT for EU sales (£195/quarter). Amazon FBA pan-EU VAT setup is £695 one-off. Most single-platform sellers settle between £350 and £550 per month bundled. Sole traders above £50,000 turnover must also pay £150/quarter for MTD for Income Tax. All prices exclude VAT.
Do you handle Amazon FBA pan-EU VAT compliance?+
Yes. Amazon FBA pan-EU stores stock in fulfilment centres across multiple EU countries, which creates a UK + EU country VAT registration obligation in each storage country (typically Germany, France, Italy, Spain, Poland, Czech Republic). We handle the multi-jurisdiction registrations, set up the One-Stop Shop (OSS) scheme where applicable, and run quarterly returns across the affected jurisdictions. Setup is £695 one-off and ongoing OSS quarterly is £195/quarter.
What is the EU One-Stop Shop (OSS) and do I need it?+
OSS is the EU's simplified VAT scheme for cross-border B2C sellers. Once your total EU B2C sales exceed €10,000 in a calendar year, you must register for VAT in every destination country OR use OSS to file a single quarterly return covering all destination-country VAT. OSS is almost always the better choice for UK e-commerce sellers shipping to EU consumers. Registration is free, ongoing OSS quarterly returns are £195/quarter with us.
As a sole trader Shopify seller earning £60K, do I need MTD for Income Tax?+
Yes. From April 2026 every sole trader and landlord with turnover above £50,000 must file quarterly digital submissions to HMRC under Making Tax Digital for Income Tax. This is in addition to your annual Self Assessment finalisation. The quarterly service is £150/quarter (£600/year) and includes the four quarterly submissions plus year-end finalisation. At your turnover level you should also seriously consider limited company conversion — it usually saves several thousand pounds per year above £50K profit and removes the MTD ITSA requirement entirely (limited companies file Corporation Tax, not Income Tax).
How do you handle multi-currency P&L for international sales?+
Sales come in multiple currencies (USD, EUR, AUD, CAD), platform fees come out in those currencies, and the bank converts to GBP at varying FX rates with conversion fees. Doing this manually loses about 1-3% in unexplained variance. We use the Xero or QuickBooks multi-currency module, set up the right base currency rules, reconcile platform-currency payouts against bank-currency receipts, and produce a P&L in GBP with FX gain/loss separately disclosed. This usually surfaces 1-2% of margin that was hidden in conversion noise.
How do you handle returns, refunds and chargebacks?+
Returns and refunds reduce gross sales and require corresponding VAT adjustment in the period the refund is processed. Chargebacks (when a customer disputes a charge with their card issuer) reduce sales AND attract a chargeback fee from the payment processor. Most generalist firms net these against current sales which obscures the underlying refund rate. We track gross sales, gross refunds and chargebacks as separate lines so you can see your actual returns rate and identify problem SKUs.
Do you work with dropshippers and print-on-demand sellers?+
Yes. Dropshippers and print-on-demand sellers have their own complications — supplier invoices in non-GBP currencies, automatic order forwarding, no physical inventory to count, customs/duty considerations on direct-from-China shipping, and sometimes VAT-place-of-supply complications when the supplier ships direct to the customer. We handle all of these as standard within the multi-platform e-commerce service tier.

E-commerce accountants in King's Cross, London.

Our office sits at 39-41 North Road, London N7 9DP — five minutes from Caledonian Road tube and ten from King's Cross St Pancras. We work with online sellers across London, the rest of the UK, the EU, and a smaller cohort of international clients running UK limited companies for FBA / dropshipping operations.

Most engagements are delivered remotely via video call, WhatsApp and our client portal — but for owner-operators who prefer to meet, the King's Cross office is open Monday to Saturday 10am to 7pm. No appointment fee, no travel charge.

Office39-41 North Road
London N7 9DP
HoursMon–Sat
10am to 7pm
Phone07450 258 975
Emailkris.nick@loyals.uk
TubeCaledonian Road · 5 min walk

Ready for an e-commerce specialist accountant?

Book a free 15-minute call. We'll quote your engagement in writing within 24 hours including any current discounts or seasonal offers. If LOYALS isn't the right fit we'll tell you that too.

Book my free 15-min call →