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All-in-One
Financial Platform for Small Businesses

PROFIT provides all the financial tools you need in one place, saving your business $1,000+ per month.

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Applying takes less than 10 min, no credit check, no minimum balance, & no hidden fees.

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All-in-One saves you time and money

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Checking Accounts

No hidden fees or minimum balance required.  Sign up in just 10 minutes and get MULTIPLE checking accounts.

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Employee Debit Cards

Control access and eliminate expense reports by issuing your employees virtual or physical debit cards. 

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Bookkeeping & Auto-reconciliation

We create and manage your P&L, balance sheet, and cash flow statements so you can focus on growing your business.

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Receipts Collection

Every time PROFIT cardholders spend, they receive a text to reply with a picture of their receipt, which is then matched to the correct transaction.

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Budgeting Software

Create and assign budgets to managers and easily add employee debit cards to your budgets in order to control spending.

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Bill Pay

Pay vendors via ACH, wire, or we can mail them a check on your behalf.

How does it work?

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1. Apply for a FREE checking account online

It only take 5-10 minutes.  Tell us about yourself and your business.

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2. Issue your team employee cards

Issue your employees physical or virtual cards and transfer money to their card in seconds from your business checking account or budgets.  

3. Spend as usual & we automatically start doing your bookkeeping

Our built-in accounting software automatically reconciles your transactions to your P&L, Balance Sheet and Cash Flow statements that WE BUILD AND MANAGE for you. (No need to use external accounting software)

4. We collect and match your receipts to the correct transactions

PROFIT cardholders are sent a text the moment they use their card to reply back with a photo of their receipt.

5. Track spend by employee, budget, and vendor

Conveniently track and control all your company's spend in one place.

Your Money & Data is Safe

FDIC insured

Your Money & Data Is Safe

Deposits are insured up to $250,000 through our partner bank Evolve Bank & Trust Member FDIC.

real person support

U.S. Real Person Support

Call (800) 899-4054 and talk to a real customer support agent Mon-Fri 9am-5pm EST.

security and privacy

Security & Privacy

We use bank-grade security encryption. Customer privacy is also a top priority & your data is highly secured.  

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FDIC Insured business checking accounts

Open multiple bank accounts with a click of a button.

No monthly fee or hidden fees

No minimum balance required

Open multiple checking accounts

ATM fees are reimbursed

Free ACH transfers

BOOKKEEPING

Free automated bookkeeping

Our BUILT-IN accounting software auto-reconciles every transaction to your P&L, Balance Sheet, and Cash Flow statement for REAL-TIME financial insights.  (No need to use external accounting software)

Applying takes less than 10 min, no credit check, no minimum balance, & no hidden fees.

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Free accounting software

PROFIT's free built-in accounting software automatically syncs with your PROFIT bank accounts and employee cards.  No pesky integrations required.

Issue employee debit cards in seconds

Control how much your employees spend and track their spending in real-time.  Eliminate employee reimbursements and expense reports. 

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PROFIT's built-in budgeting software prevents overspending 

Create and assign budgets to managers and easily add employee debit cards to your budgets in order to control spending.  No need to integrate with external budgeting software.

We collect & match your receipts

Cardholders are sent a text the moment they swipe their card to reply back with a photo of their receipt. We automatically collect & match receipts to transactions, saving you valuable time. 

Applying takes less than 10 min, no credit check, no minimum balance, & no hidden fees.

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BILL PAY

Pay vendors and receive payments via ACH, or wire.  We can even mail your vendors a check for FREE.

Free ACH transfers

Free mailed checks

No incoming wire fees

Set up recurring payments

$25 per wire you send

Fund your employee debit cards on-the-go via text

Employees can text their spend request for approval.  Reply "Yes" and their card is funded immediately. 

Employee
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Employee
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Budget Owner
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OPEN AN ACCOUNT IN 10 MINUTES

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Tell us about yourself​

Tell us about your business

Get your PROFIT bank account

Applying will NOT affect your credit score in any way.  We will NOT check your credit history.

Applying takes less than 10 min, no credit check, no minimum balance, & no hidden fees.

Frequently Ask Questions

What is PROFIT by Paymentus?

PROFIT by Paymentus is an All-in-One financial technology platform for small businesses.  Bank accounts are FDIC insured up to $250K and are provided by PROFIT by Paymentus' partner bank Evolve Bank & Trust, member FDIC, founded in 1925.  PROFIT by Paymentus is a division of Paymentus. 

How does PROFIT make money if they are providing me with FREE banking and automated-bookkeeping?

PROFIT makes money through payment processing, interest on deposits, and premium services. 

What type of companies can open a PROFIT account?

PROFIT accepts Corporations, LLCs, Non-Profits, and  Sole Proprietors that were incorporated in the U.S. only.  See more details here.

Is my credit affected when I apply for a PROFIT business bank account?

No, we do not run your credit history, so it will NOT impact your credit score.

What do I need to open an account with PROFIT?

1. A picture of your valid driver's license front & back.
2. A picture or copy of your EIN Tax ID verification letter (may not apply to Sole Proprietors).
3. A picture or copy of your company's articles of incorporation (does not apply to Sole Proprietors).  See more det
ails
here.

Who is Paymentus?

Paymentus is a leading provider of cloud-based bill payment technology and solutions serving more than 1,700 billers and financial institutions across North America. Our platform is used by tens of millions of consumers and businesses to complete hundreds of millions of payment transactions each year. Paymentus is a publicly traded company (PAY).

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