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What is Varda?

Varda solves the headache of messy bank transactions and so much more.

Command center

Every account, one screen.

Stop switching between bank portals to answer a basic question. Varda brings the accounts for your selected business into one clear view.

Current connected balances in one place
Each business remains separate
No spreadsheet required
Overview
Bank balances
$311,541
Card balances
$9,730
Connected accounts
5
Operating checkingBank balance$186,420
Business savingsBank balance$125,121
Chase Ink ···· 4721Card balance$3,890
Amex Blue Business ···· 1904Card balance$3,240
Capital One Spark ···· 8836Card balance$2,600
Cash flow
Weekly cash movementJul 22 – Jul 28
+$52.8k−$18.4k−$12.1k−$7.8k−$3.2k+$11.3kSalescollectedPayrollVendorsRent &billsOtherNet cashchange
■ Cash collected■ Cash paid■ Net cash changeIdentified transfers excluded
Money in & out

See where it actually went.

Review recorded money in and money out with identified internal transfers removed so the same movement is not counted twice.

Period-over-period activity
Categories that reflect your business
Supporting transactions underneath
Vendor center

Know what changed with vendors.

Varda organizes vendor activity and surfaces changes against the transaction history available for that business.

Vendor totals and transaction counts
Possible price changes to review
Recurring charges in one place
Vendors
Top 10 vendors by spendFeb 1 – Jul 31 · 6 months
01ABC Supplies$48,920
02Metro Plumbing$36,480
03Northwind Fuel$29,740
04Brightline Rent$26,700
05Gusto Payroll$24,600
06Restaurant Depot$18,925
07Google Ads$13,200
08City Utilities$9,840
09Verizon Business$4,920
10QuickBooks Online$540
Posted vendor paymentsTop 10 total: $213,865
Needs review
□Duplicate Payment

Two similar payments to ABC Supplies within 7 days.

Review detailsMark as reviewed
Review Score
100
● High priority
$4,400
□First-Time Vendor - Large

A one-time payment to a vendor that appears only once.

Review detailsMark as reviewed
Review Score
80
● High priority
$6,800
□Dormant Vendor Reactivated

Vendor activity resumed after 112 days with a different amount.

Review detailsMark as reviewed
Review Score
70
● Medium priority
$233.88
Protection center

Catch what you might have missed.

Transactions are checked against 31 payment and vendor patterns. When something looks unusual, Varda provides the detail for you to review.

Possible duplicate payments
First-time vendors and route changes
Indicators, never accusations
Ask Varda

Integrated chat feature

Ask a historical question about the selected business and receive a plain-English answer grounded in the records Varda can see.

Plain-language answers
Links back to supporting dashboard views
Unlimited questions on supported plans
Ask Varda
How much did I spend with vendors over the past 6 months?
You paid 42 vendors a total of $286,420.
ABC Supplies was the largest at $48,920, followed by Metro Plumbing at $36,480.
Were there any payments I should review?
Three payments need your review.
One possible duplicate and two first-time vendor payments were found in the selected period.
● Based on connected transaction data
How It Works

From raw transactions to a clear answer.

Every question follows the same controlled path from your connected records to a plain-English explanation.

Step 1 — Secure connection
Bank accounts
Credit cards
Up to 5 separate businesses
Varda
▣ Read-only via Plaid
Read-only access. Varda can never move money.
Small business review alerts

31 patterns that surface transactions for your review.

Varda reviews each business against transaction and vendor patterns calibrated for the size and history of that business.

28
Baseline rules available for every individual business.
3
Comparison rules that activate when enough location or account data is available.
31
Total rule definitions enabled today across seven categories.
Payment irregularities
6 rules
Duplicate paymentsOff-schedule paymentsFirst-time vendorsHigh amount spikesMedium amount spikesRound-dollar payments
ACH & wire activity
3 rules
New wire destinationsNew ACH originatorsUnusual ACH amounts
Check activity
3 rules
Duplicate checksOut-of-sequence checksRound-dollar checks to new payees
Cards & recurring charges
5 rules
Unknown card paymentsNew recurring chargesCard-testing patternsRapid repeat chargesCreeping subscriptions
Spending & operating patterns
6 rules
Spending-velocity changesVendor concentrationOff-hours paymentsWeekend disbursementsPayroll anomaliesDormant vendors becoming active
Vendor & insider patterns
5 rules
Possible payment-channel changesPayments below approval thresholdsShell-like vendorsLook-alike vendor namesSteady payment drains
Multi-location comparisons
3 rules
Category-cost outliersVendor price differencesVendors appearing at only one location
These are indicators, not proof. Varda labels a payment as a possible duplicate or needs review, never as fraud detected. Confirm the source records before deciding what to do next.
Trust & Security

Data privacy by design.

Varda monitors your business without ever holding the keys to your money.

Read-only. Always.
Varda connects through Plaid with read-only access — we can see your data, never move your money.
Encrypted in transit & at rest
Data is protected with TLS in transit and encrypted at rest by our infrastructure providers.
Not used by Varda to train AI
Varda does not use your business data to train AI models. OpenAI states that API inputs and outputs are not used for training by default.
Never sold. Never ads.
We don’t sell personal information or use your transaction data for targeted advertising.
We’re early, so we won’t claim certifications we don’t have — see our security roadmap.
Let's talk

Let's talk about your business.

Have questions about Varda or pricing? Tell us about your business and what you want to understand about your finances.

Contact Us →

FAQ

Is Varda another accounting tool?
No. Varda provides financial information and operational insights. It does not replace accounting software, a CPA, bookkeeper, attorney, or financial adviser, and it does not make payments or business decisions for you.
Still have questions? Connect with our team →