Every Temu sale is paid through Temu itself, so unlike Shopify (which can have a separate clearing account for PayPal, Klarna, Stripe and so on) Temu only ever uses one clearing account.

That makes this very simple: in most cases you only need one bank rule.

👉 Using Xero instead? The Xero version is here.

There are only three moving parts:

Once both sides are in, the clearing account nets back to zero. The bank rule below automates step 3, so you never have to categorise a Temu deposit by hand again.

On your Link My Books Settlements page, find the Temu settlement, click the Action dropdown and select Send to QuickBooks.

If you check your Balance Sheet in QuickBooks afterwards, you will see the settlement total sitting in the Temu Clearing account, waiting for the payout to arrive.

In QuickBooks, go to Transactions > Rules and click New rule. Set the rule up to match the screenshot below, using the numbered points as a guide:

In the unnumbered fields, set Apply this to transactions that are to Money in, pick the bank account Temu pays into, leave and include the following as All, and leave Transaction type as Deposit.

👉 Check the wording on your own statement first. Temu payouts do not always show up as "Temu", so if the rule finds nothing, copy the exact text your bank feed uses instead. Click Test rule to confirm it picks up the transactions you expect before you save.

Save the rule. Every Temu deposit on that bank account will now be matched automatically, and all you need to do is click Add on each one in the For review tab.

If you turn on Auto-add, QuickBooks will post them for you and you do not need to do anything at all. We would suggest leaving Auto-add off until you have seen the rule work correctly on a few payouts.

Occasionally Temu will take money back rather than pay you, for example when refunds in a period are higher than sales. When that happens the transaction appears as money out, and your Money in rule will not pick it up.

To cover it, set up a second rule with exactly the same conditions, but set to Money out and pointing at the same Temu Gateway Clearing account.

If you have never seen a payment out from Temu, you can skip this step and add it later if you need to.

Once you have reconciled, open your Balance Sheet in Xero and check the Temu clearing account.

Do not expect it to be zero at a month end. A balance is normal here, and you can work out exactly what it should be.

Temu pays out on its own statement periods. These run every few days and do not line up with calendar months. Temu also holds back a reserve on each payout and releases it when the next one is made. So at a month end your clearing account will be holding two things:

Add those together and that is what the account should show. Both clear in the following month.

If you were already selling on Temu before your Link My Books start date, Temu owed you money on day one. Your first payouts will include trading that Link My Books never posted a settlement for, so the clearing account will go negative by that amount and stay there.

To fix it, post an opening balance into the clearing account for what Temu owed you the day before your start date. That is unpaid sales plus any reserve Temu was holding.

If you are not sure how to post it, or where that balance currently sits in your books, check with your accountant.

The rule is not matching my deposits. The text in your condition probably does not match your bank feed exactly. Open one of the unmatched deposits in the For review tab and copy the wording straight from it.

The balance is growing. Check that every Temu deposit has been categorised to the Temu Gateway Clearing account and not somewhere else, and that all of your Temu settlements have been sent from Link My Books.

The balance is negative. This usually means deposits have been categorised to the clearing account for settlements that have not been sent yet. Send the outstanding settlements and it should clear.

QuickBooks is suggesting a match instead of applying my rule. If QuickBooks finds an existing transaction it thinks the deposit belongs to, matching takes priority over the rule. Click Find other records and switch to Categorise to apply the rule instead.