I can relate to you in verbatim, except never had the courage to ask publicly. I ended up going with excel and then ended up hating any tool in the browser.

Updates with startups take too long and your nit-picky features to increase your productivity probably do not directly correlate with these payment software companies business goals. I prefer full control / or the possible option for extensibility. Most importantly, looking at the data, no matter [or my several failed experiments/finance tool investments past year] ... I would eventually go back to excel. You just don't get the mental massaging that you are the shit in the UI.

Anyways, if this sounds interesting, I hope it saves you some time. I spent way too much time wasting my determination to find the perfect tool that actually never existed in the first place.