Cashowa
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Digital and downloadable products
Most digital gift cards sellers find out how the year went in about April, from their accountant. Cashowa shows you as it happens, from the statements you already have.
Free plan, 10 credits a month, no card required.
Alex M.
hello@cobaltdigitalgiftt.co
Your business at a glance.
Revenue (90d)
$10,110.00
Operating costs (90d)
$6,924.00
Net profit (90d)
$3,186.00
Monthly net
$1,942.00
Average of closed months
Cash flow
Money in and out, last 12 months
Top costs
Biggest expense categories, last 90 days
Top suppliers
Where the money went, last 90 days
If you run a digital gift cards seller business, you already know the numbers do not sit still. Digital products invert the normal retail problem. There is essentially no cost per unit, no stock and no postage, so gross margin is enormous. That sounds like it makes everything easy. It just moves the entire question to one place, which is what it costs you to get a customer.
When the product costs nothing to deliver, advertising becomes your cost of goods in everything but name. A business spending more to acquire a sale than the sale is worth will look like it has ninety percent margins right up until it runs out of money.
Refunds and chargebacks matter more than the amounts suggest. Because there is nothing to return, refund rates can run higher, and payment processors take a dim view of businesses with elevated chargebacks.
Money in
$5,071.00
Money out
$1,265.00
Left over
$3,806.00
Where the money went
Upload a statement and Cashowa does the sorting. Free to start, no card needed.
Three situations that come up constantly in digital gift cards.
Rising revenue with rising ad spend can be flat or negative. Cashowa puts both on the same chart, which is where a lot of digital businesses discover the growth was rented.
Refund rate from your own orders. A rising rate costs money and eventually threatens your payment processing, so catching the trend matters more than the individual refunds.
Recurring revenue against churn shows in the repeat pattern. A subscription business with weak repeat behaviour is a one off sale business with extra admin.
Switch between monthly, quarterly and yearly to see the pattern.
Less seasonal than physical goods. There is usually a January lift for anything organisational or educational and a fourth quarter lift for gift style products.
Upload twelve months and the pattern stops being something you half remember. You can switch between monthly, quarterly and yearly, which matters when income arrives in lumps and a single month tells you very little.
Import your sales file and Cashowa works out profit per product, what is selling, and what has not moved in sixty days. Enter what each item costs you once and the margins stop being guesswork.
Add a lead time and it warns you before something runs out, rather than after.
Reorder now
Classic digital gift card, Everyday digital gift card, Starter digital gift card will run out before a new order arrives.
| Product | Sold | Revenue | Cost | Stock |
|---|---|---|---|---|
| Classic digital gift card | 17 | $336.60 | $9.00 | 2 |
| Everyday digital gift card | 29 | $2,902.32 | $36.00 | 4 |
| Mini digital gift card | 16 | $640.64 | $14.00 | 50 |
| Deluxe digital gift card | 14 | $1,335.04 | $32.00 | 16 |
| Starter digital gift card | 52 | $5,811.52 | $44.00 | 12 |
Import an order export and Cashowa works these out on its own.
Net revenue
$18,420
after refunds
Gross profit
$7,905
after unit costs
Average order
$46.10
Repeat buyers
31.4%
of customers
Refund rate
4.2%
Lifetime value
$92.30
per customer
Built around how digital gift cards sell, not around a generic business.
Important both financially and for keeping payment processors happy.
A large share of a small price, and easy to ignore.
Blended return on advertising, which in this category is close to the whole picture.
Revenue against what it cost to get.
Before it becomes a processor problem.
These get recognised and sorted on their own when they turn up on your statement. If something specific to your setup gets filed wrongly, you fix it once and it sticks.
Export a statement, upload it, and the categorising happens on its own.
The things worth knowing before you sign up.
Other digital and downloadable products categories Cashowa is built for.
See all digital and downloadable productsBrowse other use cases
Cashowa also works for
No bank login
You upload a statement. Cashowa never asks for your banking credentials.
No card to start
The free plan gives you credits every month without payment details.
CSV or PDF
Whatever your bank exports. No special format needed.
Your data stays yours
Stored against your account only, and you can delete it whenever.
Cashowa reads your statements and tells you straight. Free plan, no card required.