1099 Vendor Checker

The year-end vendor scramble, done in one upload

Working out who you paid — and how much — usually means scrolling a year of bank transactions and adding up names that never quite match. The same vendor appears as “ACME LLC” on one line and “Acme, LLC” on the next, store numbers trail some names, and deposits sit in the same list as payments. This checker does that grouping for you: it normalizes the names, counts only money out, and totals each vendor with a payment count and a last payment date.

Informational report only — this is not tax filing or tax advice. Thresholds and rules have exceptions (for example, payments to corporations and payments made by card are often treated differently). Confirm your filing obligations with your tax professional.

What this tool handles

• CSV or QBO input — use a bank CSV export or a QBO/OFX/QFX file; both produce the same vendor list.
• Name-variant grouping — capitalization, punctuation, entity suffixes, and store numbers are normalized so one vendor gets one total.
• Money out only — deposits and other money-in rows never count toward a vendor total.
• Your threshold, highlighted — the default threshold in the tool is $600 and you can change it; vendors at or above it are badged in the table and marked in the report. Confirm the current rules with your tax professional.

Cleaning up the file before you review it? The QBO Duplicate Finder flags repeated transactions, and the CSV to QBO converter turns a bank CSV into a QuickBooks-ready QBO file.