Business Banking & Treasury
Accounts, cards, wires, and treasury for startups and SMBs. The foundation layer before payment processing.
Mercury, Brex, and others listed here are banking platforms. You'll still need a PSP (like Stripe, Square, etc.) to accept card payments from customers.
View Payment ProcessorsMost PSPs require a US business bank account before approval. Mercury and Relay are the fastest to set up (often same-day), while Brex offers high credit limits for funded startups.
Business Banking Platforms
Mercury
Modern banking for startups
- No monthly fees
- Instant virtual cards
- Treasury management
- API banking
Not a PSP. Pair with Stripe, Braintree, or other payment processors.
Brex
Corporate cards + banking for scale-ups
- Corporate cards
- Cash management
- Expense management
- Rewards program
Banking + corporate cards. Not a payment processor.
Relay
Banking for small businesses
- 50 checking accounts
- Free debit cards
- Virtual cards
- No minimum balance
Banking platform only. Use with a separate payment processor.
Bluevine
Banking + credit lines for SMBs
- Business checking
- Line of credit
- Invoice factoring
- 1.5% interest on balances
Banking + lending. Pair with Stripe, Square, or other PSP.
Novo
Free small business banking
- No fees
- No minimum balance
- Debit cards
- Integrations (Stripe, Shopify)
Free checking only. Not a payment processor.
Grasshopper Bank
Banking for entrepreneurs and investors
- Deposit accounts
- Lending
- Cash management
- High deposit limits
Traditional business banking. Not a PSP.
Ready for a Payment Processor?
Once you have a business bank account, you can apply for a payment processor to accept card payments from customers.
View Payment ProcessorsAll banking platform data is verified through independent research and merchant feedback. We connect merchants with banks but maintain strict editorial independence.
