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Arkrel

Changelog

What’s shipped, in order.

Catch-Up and Autopilot pricing and money-back guarantee

  • Catch-Up is $599 one time per tax year, per business, for 12 months of access, with up to 3,000 pages of statements and receipts for that year
  • Autopilot is $59 a month with up to 1,500 pages a month. There is no free trial. Start with Free: one statement, no card
  • Catch-Up and the first Autopilot charge have a 30-day money-back guarantee from payment settlement. Your first eligible refund is automatic and in full before deliverable downloads or accountant share-link creation. After that, support reviews the request under the same guarantee. A second request from the same account or card is reviewed by hand
  • Page packs, Developer API pricing, and existing AppSumo codes keep their terms

Required account protection for password sign-in

  • The free first statement opens after email verification. Password accounts set up an authenticator app before checkout, exports, sharing, connections, or account changes
  • Sensitive actions show Protect your account to continue inline, then resume after setup. Direct links to the setup screen still work
  • Existing API keys and MCP credentials require their creating user to have completed protection. Keys without a creating user keep existing behavior. Exports require protection; account deletion keeps its existing identity check and remains available before enrollment
  • Configured sign-in providers appear before the email form, with guidance explaining the next step for password accounts

Privacy Policy, Terms, and the Security page updated for account deletion and data export

  • The Privacy Policy and Terms of Service now describe self-serve account deletion and full data export exactly as they work, instead of "email us to request this"
  • Both cite Cloudflare’s own page confirming Workers AI never trains on your data, and link directly to the Subprocessors, Security, and Data Processing Addendum pages
  • The Subprocessors page now lists Plaid as a subprocessor that will be added when bank account connections ship, not as active today
  • /security states plainly that you can delete your whole account or download all your data yourself
  • Fixed: the Subprocessors page’s table used to render as one unreadable line of pipe characters instead of a real list

See your own security activity

  • In Settings, open Security, then Security activity: your own sign-ins, password and two-factor changes, passkey changes, data exports, share-link creation and revocation, and account deletion requests, newest first, in plain English
  • Only ever shows your own actions, never a teammate’s, even in the same organization

Download all your data as a zip, any time

  • In Settings, open Export, then Download all my data: a zip with your original uploaded files, every extraction result, all your transactions with their categories, your category rules, and the tax report for each year you have data for (CSV and PDF)
  • Requires a fresh password or two-factor check. You get an email with a link once it’s ready; the link requires signing in and expires after 7 days
  • Only one export can run at a time per organization

Delete your account yourself, any time

  • In Settings, open Security, then Delete your account: see exactly what gets deleted before you confirm, type "delete my account", and verify with your password or two-factor code
  • If you’re the only member of your organization, everything is deleted right away: files, extraction results, transactions, statement sets, categorization data, rules, chart customizations, tax-year data, 1099 entries, share links, API keys, and webhooks. Any subscription is canceled immediately, with no further charges
  • On a team: an owner alongside other members must transfer ownership or delete the organization first; a member can leave and delete their own account without touching the team’s data
  • A confirmation email goes out once deletion finishes

Fixed: merchant review and categorization accuracy

  • A rule created from a merchant-group confirmation now reliably matches that same merchant again, even when a bank prints extra spaces in the description (e.g. "OFFICE DEPOT #4021")
  • A rule you create in Settings now beats a built-in default rule for the same transaction, instead of silently losing the tie
  • Picking a real category for a transaction always clears a stale "transfer" flag, whether you do it from the merchant view or a single row
  • The merchant view now refreshes right after "Categorize with AI", accepting all high-confidence suggestions, or a bulk action, instead of showing what the group looked like before
  • Deleting a bank or card statement now clears any receipt that was matched to one of its transactions, so the receipt goes back to unmatched instead of looking permanently matched to something that no longer exists

Fixed: the tax report, 1099s, and the accountant share link now actually match each plan

  • Catch-Up now has a year selector on the tax report screen, so you can actually see the year you paid to catch up, instead of always defaulting to the current year
  • The Developer API and MCP server are unaffected: both stay priced purely per page, with no plan lock on any route
  • Fixed: a second statement during first-run onboarding, on the Free plan, used to disappear with no explanation instead of showing the same "you've used your one free statement" message uploading a second statement anywhere else already shows

A simpler Pricing page

  • Pricing now shows exactly 3 plan cards: Free, Catch-Up, and Autopilot, the one decision most self-employed visitors actually have to make
  • The Developer API’s per-page pricing (page packs) moved from Pricing to a new "Pricing for the API" section on the Developers page; Pricing keeps one small link to it

A new site for self-employed people, and a first-run walkthrough

  • A new home page speaks to self-employed people (freelancers, gig workers, sole proprietors) behind on their bookkeeping, not developers: how it works, real product screens, who it’s for, and a sourced comparison against hiring a bookkeeper to catch up
  • Developer pages (docs, the API reference, free tools, by-bank and compare pages) moved under a "Developers" menu and footer group. Every URL still works, just out of the way of the main site
  • /for-accountants is now "Share with your accountant": a read-only link or an export, not a pitch to bookkeeping firms
  • A new public /sample-report page shows a full sample tax report, built from the same demo data the product itself uses, before you sign up
  • Three new guides: catching up on bookkeeping when you’re behind, turning bank statements into Schedule C numbers, and preparing your books for your accountant
  • First-run onboarding: send your first statement (or email it in), watch it get read, and confirm merchants once you’ve sent at least two. A brand new sign-up now lands here, not straight in the dashboard
  • A brand new account’s Documents page shows its own "upload your first statement" message instead of a generic empty-filter one
  • Security page updated with what’s actually true today: two-factor and passkey sign-in, a second check before sensitive actions, and cited sources for encryption at rest (Cloudflare D1/R2, AES-256) and that Workers AI never trains on your data
  • The Privacy Policy is now linked on the sign-up screen and inside the app, not just in the marketing footer
  • Fixed: signing in with a two-factor code or a passkey could leave a session with no organization at all, breaking Documents, API keys and Settings for that sign-in

New plans: Free, Catch-Up, Autopilot

  • Free: upload one statement, free, no card, and see a preview of your books before you pay anything
  • Catch-Up: $499 one time, unlocks one tax year fully, with a 30-day money-back guarantee: a 100,000-page processing allowance for statements and receipts, merchant review, My year, the tax report, and exports
  • Autopilot: $49 a month, keeps the current year caught up automatically
  • A self-serve "Request a refund" on the Billing page for Catch-Up, within 30 days of payment settlement
  • The Developer API offers a free monthly page allotment, with page packs from $9 for 100 pages.

Password, passkey, and Google sign-in; two-factor authentication

  • Sign in with a password, a passkey (Face ID, Touch ID, or a security key), or Google: the email-link sign-in is gone
  • Two-factor authentication: an authenticator app with backup codes, or a passkey as the second factor, with a 30-day "trust this device" option
  • Security settings: change your password, manage two-factor authentication and passkeys, and see and sign out every device signed in to your account
  • A fresh password or two-factor check is required again before sensitive actions like creating an API key, rotating a webhook secret, or connecting a bank account
  • Existing accounts can use "Set your password" to create their first password; password accounts complete account protection before sensitive actions

Review by merchant, not by row

  • The categorization review screen now groups your transactions by merchant. Each group shows the merchant, how many transactions, the total, the date range, and the suggested category
  • One action confirms the whole group at once and saves a rule, so the same merchant sorts itself automatically on every future upload too. You can still expand any group and change a single row
  • A large or equipment-looking purchase, and a bare ATM or cash withdrawal, are never bulk-confirmed. They always stay individual, and are called out clearly
  • A known mixed-use merchant (Amazon, Walmart, Costco, Target, Apple, PayPal, Venmo) always opens expanded with a note that purchases there can be business or personal, and never creates an automatic rule unless you choose to
  • Undo is available right after confirming a group, and reverses both the categorization and the rule it created
  • A group with nothing to bulk-confirm (a lone ATM withdrawal, a single large purchase) is shown directly, with its own dropdown, its own Confirm, and its own reason. Never a disabled bulk-confirm button
  • The header now shows decisions left, not just a raw transaction count: one per merchant group plus one per transaction that always stays individual
  • New "Find Needs Your Input" and "Find Merchant Groups" searches, a "Confirm Merchant Group" action, and an "Undo Merchant Group Confirm" action, in the Zapier and Make integrations

Transaction categorization

  • Every transaction in a statement set, and every receipt or invoice, gets sorted into a chart of accounts: your own vendor rules first, then AI restricted to accounts that actually exist in your chart
  • A built-in chart of accounts mapped to IRS Schedule C, plus a personal-spending chart, so business and personal stay separated on the same account; import a QuickBooks or Xero chart of accounts CSV
  • Transfers between your own accounts (including paying a credit card from checking) and money you draw out for personal use are detected automatically and never double-counted as income or expense
  • A large or equipment-looking purchase always goes to your review instead of being auto-categorized. Depreciation needs a decision only you can make
  • Correct a category once and Arkrel offers to remember it for every future transaction from that payee, and applies it to the rest of your upload right away
  • A "Needs your input" list for anything not confident enough to sort automatically, with one tap to answer, right on the statement set page
  • A deductions finder that organizes your likely write-offs by Schedule C line, and an excluded-transactions list so you can double check nothing was mis-sorted
  • A receipt or invoice is matched to its bank or card transaction automatically by amount, date, and merchant
  • Every export (CSV, XLSX, Xero CSV) now carries the category; two separate labels everywhere ("reconciled to your statement" and "category confidence") are never combined into one badge
  • A category below the auto-accept bar is always shown as a suggestion with a one-tap Confirm, never preselected as if it were already decided
  • A rule match shows where it came from ("Standard rule" or "Your rule"), never a confidence percentage: a rule is a deterministic match, not a guess
  • A bare ATM or cash withdrawal is no longer auto-categorized as an owner's draw. It's genuinely ambiguous, so it waits for your input unless you've told Arkrel what yours mean
  • A wrong transfer match can be corrected directly from its own row, including "always remember this" and a "not a transfer" option that sends it back for you to categorize
  • A statement-set gap explained by a missing month now says how much net activity is missing ("$100 more went out than came in during February") instead of a misleading balance mismatch, with a one-tap link to upload that statement
  • Manage your chart of accounts and category rules right in the app: add, rename, or archive an account, import a QuickBooks or Xero CSV, and edit, enable/disable, or delete a rule, with each rule's own match count
  • Two one-time questions tailor categorization to you and correctly route vehicle costs on Schedule C: what kind of work you do, and how you deduct your vehicle (standard mileage, actual expenses, or none). Answer them during setup or any time in Settings
  • Payments TO a contractor through Upwork, Fiverr, or Freelancer.com are now categorized as Contract labor, separate from the platform's own fees
  • Every transaction that needs your input now says why in one short line: a large purchase, an unanswered vehicle question, or just an AI guess that needs confirming
  • The "Low confidence" filter is now called "Suggestions", and rules show "Money in"/"Money out" instead of raw bank codes

"My year" dashboard, a tax-ready report, and sharing with your accountant

  • "My year" at /app/home: for every bank/card account, which months are covered and which are missing, income vs. spending by category, and one clear next step
  • A tax-ready report at /app/tax-report: profit & loss, a Schedule C view citing real IRS line numbers, a cash-basis account-balances snapshot, and a list of likely deductible expenses with the transactions behind each one. Export as CSV, an accountant-ready CSV, or PDF
  • A 1099 reconciliation: enter the 1099-NEC/1099-K amounts you received and compare them to your gross receipts; payees you paid enough to likely need a 1099 are flagged
  • A large one-time purchase (often equipment needing depreciation) is now held for your review instead of being counted as an expense automatically
  • Every transaction shows two separate signals: whether its statement is fully reconciled, and how confident the category guess is. Never one merged "verified" badge
  • A secure, expiring, read-only link to share your report with an accountant or tax preparer: no login required for them to view it
  • Take a photo of a receipt right from your phone browser, compressed automatically before upload
  • Two new MCP tools, get_year_overview and get_tax_report, for AI agents

For accountants, catch-up checking, and page packs

  • For bookkeepers and accountants: /for-accountants, a catch-up and monthly-close page for firms
  • Catch-up check: combine every statement for one account, catch gaps between periods and overlapping duplicates, and export one deduplicated QuickBooks CSV, Xero CSV or OFX file
  • Ten bank-specific landing pages (Wells Fargo, U.S. Bank, Chase, Capital One, Bank of America, American Express, Navy Federal, Citi, TD Bank, TD Canada Trust) plus a /banks index
  • Two guides for importing a backlog of old bank statements into QuickBooks Online and Xero
  • One-time page packs (100, 500 or 2,000 pages) that any plan, including Free, can buy and draw down before overage
  • AppSumo 12-month plan support: redeem a code at /redeem for extra 300 pages each month for 12 months from redemption

Bank exports, free tools, email-in and an MCP server

  • QuickBooks CSV, Xero CSV and OFX exports for bank statements, with the running balance verified first
  • Free, no-signup converter tools at /tools for invoices, receipts, purchase orders, bank statements and PDF tables
  • Email-in: forward or attach a document to your organization’s own address and it queues automatically
  • A remote MCP server at /mcp so AI agents (Claude Code, Cursor, VS Code, the OpenAI Responses API, n8n) can extract and verify a document directly
  • An n8n community node, n8n-nodes-arkrel, published on npm
  • Three sourced comparison pages (/compare/parseur, /compare/llamaparse, /compare/nanonets-vs-docsumo)
  • "Documents that end failed are free": a failed document’s pages are never counted or billed

Initial release

  • Five built-in document types: invoice, receipt, purchase order, bank statement, delivery note
  • Verifier checks: line-item crossfooting, subtotal/tax/total reconciliation, bank statement balance checks, table row reconciliation, required fields, date and currency sanity
  • REST API v1 with Bearer key auth, idempotent uploads, and JSON, CSV and XLSX exports
  • Signed webhooks for document.succeeded, .partial, .needs_review and .failed with a delivery log and test send
  • Custom extraction schemas
  • Account plans launched with monthly and annual billing; that original catalog has since been retired