Business accounts / United States
Six tools. Two use partner-bank business accounts.
Bluevine and Mercury combine fintech interfaces with partner-bank business accounts. Airwallex, Wise and Payoneer are global money platforms. PayPal is a merchant payment account. The right starting point depends on the job—not on calling every balance a bank deposit.
Direct answer
Choose the account type before the provider.
Compare Bluevine and Mercury when the need is partner-bank business banking and domestic operations. Compare Airwallex, Wise and Payoneer for international collections, currencies and payments. Use PayPal when checkout and merchant acceptance are the primary job. None is a universal winner.
Read the full Bluevine reviewRead the Payoneer reviewRead the PayPal reviewCompare Airwallex with Wise BusinessCompare Bluevine with MercuryClassification first
Checking, multicurrency accounts and payment wallets solve different jobs.
The comparison preserves the exact legal entity, partner model and protection mechanism instead of flattening six products into one bank-account category.
Partner-bank checking
Bluevine is a fintech. Coastal Community Bank and program banks provide the cited banking and deposit arrangements.
Partner-bank banking platform
Mercury is a fintech, not a bank. Choice Financial Group and Column N.A. provide the cited checking and savings accounts; IO and Treasury are separate products.
Business finance platform
Airwallex US, LLC is a money-services and global-operations platform, not a consumer bank.
Multicurrency payment account
Wise US Inc. supports business payments and receiving, while ordinary funds are not FDIC deposits.
Merchant payment wallet
PayPal Business accepts and routes payments; its ordinary business balance is an unsecured claim against PayPal.
Money-transmitter payment account
Payoneer Inc. supports conditional cross-border receiving, balance and payment workflows; it is not a bank and its receiving details are not customer-owned bank accounts.
Verified US business comparison
Change the job, not the evidence.
These controls only reorder approved market records. Legal entity, product class, protection wording, source date and confidence stay fixed.
Domestic operating: Prioritises partner-bank checking and sourced US payment operations.
| Provider | Product type | Market status | Legal entity | Protection model | Evidence | Compare |
|---|---|---|---|---|---|---|
| BluevineDomestic operating account with checking, ACH, wires and team controls. | business banking fintech | available with eligibility | Bluevine Inc. | Partner-bank deposits with conditional pass-through and sweep-program FDIC coverage.Bluevine is not a bank; up to $3 million spans Coastal and program banks and remains subject to eligibility, records and aggregation. | 16 source records | |
| MercuryOnline-first US business banking, payments, team cards and optional treasury tools. | business banking fintech | available with business formation ownership location industry bank partner and product conditions | Mercury Technologies, Inc. | Choice and Column partner-bank deposits with a conditional multi-bank sweep programme.Mercury is not a bank; the cited up-to-$5 million sweep ceiling depends on eligibility, programme banks, records, ownership and aggregation. | 20 source records | |
| AirwallexGlobal collections, currencies, transfers, cards and expense operations. | business finance platform | available with restrictions | Airwallex US, LLC | Money-transmitter and partner-bank model; Airwallex itself is not an FDIC-insured bank.Partner and protection treatment can depend on onboarding model; current official pages conflict on one Grow-plan price presentation. | 9 source records | |
| WiseInternational receiving, conversion, supplier payments and contractor batches. | money transmitter and multicurrency account | available with business eligibility | Wise US Inc. | Ordinary funds are kept separate in cash and liquid assets, not FDIC-insured deposits.Only eligible USD funds opted into interest may receive conditional pass-through coverage through a Program Bank. | 13 source records | |
| PayoneerCross-border business receiving, marketplace payouts and supplier or contractor payments. | licensed money transmitter business payment platform | available with product conditions | Payoneer Inc. | Customer balances are direct claims against Payoneer with dedicated underlying assets, not ordinary FDIC-insured deposits.Payoneer Inc. is a licensed money transmitter, not a bank; receiving details, cards, fees and limits remain conditional. | 18 source records | |
| PayPalCheckout, invoices and merchant payment acceptance rather than primary banking. | payment wallet with separate balance card savings and crypto products | available with personal business and product conditions | PayPal, Inc. | Ordinary business balances are unsecured claims against PayPal, not bank deposits.A narrow crypto-linked Program Bank condition is not general protection for every PayPal Business balance. | 11 source records |
Bluevine
business banking fintech- Market status
- available with eligibility
- Legal entity
- Bluevine Inc.
- Product note
- Coastal Community Bank demand-deposit account managed through Bluevine for qualified US-registered businesses, with Standard, Plus and Premier plans and conditional sweep-program coverage.
- Protection model
- Partner-bank deposits with conditional pass-through and sweep-program FDIC coverage.Bluevine is not a bank; up to $3 million spans Coastal and program banks and remains subject to eligibility, records and aggregation.
View legal and product sources
Mercury
business banking fintech- Market status
- available with business formation ownership location industry bank partner and product conditions
- Legal entity
- Mercury Technologies, Inc.
- Product note
- Eligible US-registered businesses can apply for partner-bank checking and savings with conditional sweep coverage. Mercury is not a bank; IO and Treasury use separate card and investment structures. Current official pages differ in how they scope Evolve Bank & Trust, so the customer's statement and governing agreement control the exact account bank.
- Protection model
- Choice and Column partner-bank deposits with a conditional multi-bank sweep programme.Mercury is not a bank; the cited up-to-$5 million sweep ceiling depends on eligibility, programme banks, records, ownership and aggregation.
View legal and product sources
Airwallex
business finance platform- Market status
- available with restrictions
- Legal entity
- Airwallex US, LLC
- Product note
- US-registered businesses can apply for Global Accounts, multi-currency wallet balances, conversion, transfer and corporate-card functions. Airwallex is not a bank; local receiving details are collection routes, protection remains programme-specific, and current official pages conflict on one Grow-plan price presentation.
- Protection model
- Money-transmitter and partner-bank model; Airwallex itself is not an FDIC-insured bank.Partner and protection treatment can depend on onboarding model; current official pages conflict on one Grow-plan price presentation.
View legal and product sources
Wise
money transmitter and multicurrency account- Market status
- available with business eligibility
- Legal entity
- Wise US Inc.
- Product note
- Wise US Inc. offers eligible personal and business customers conditional holding, conversion, receiving and card features across multiple currencies. Ordinary balances are not bank deposits; only eligible opted-in USD interest funds can receive conditional pass-through insurance through the current programme bank.
- Protection model
- Ordinary funds are kept separate in cash and liquid assets, not FDIC-insured deposits.Only eligible USD funds opted into interest may receive conditional pass-through coverage through a Program Bank.
View legal and product sources
Payoneer
licensed money transmitter business payment platform- Market status
- available with product conditions
- Legal entity
- Payoneer Inc.
- Product note
- Payoneer Inc. provides eligible US businesses with conditional local receiving details, multi-currency balances, conversion, payments, withdrawal and card features under money-transmitter licences. Payoneer is not a bank, and receiving details are not foreign bank deposits owned by the customer.
- Protection model
- Customer balances are direct claims against Payoneer with dedicated underlying assets, not ordinary FDIC-insured deposits.Payoneer Inc. is a licensed money transmitter, not a bank; receiving details, cards, fees and limits remain conditional.
View legal and product sources
PayPal
payment wallet with separate balance card savings and crypto products- Market status
- available with personal business and product conditions
- Legal entity
- PayPal, Inc.
- Product note
- PayPal, Inc. provides personal and business payment accounts; ordinary balances are unsecured claims, named conditions can place eligible US dollars at Program Banks, and Savings, debit-card and crypto products retain separate providers and terms.
- Protection model
- Ordinary business balances are unsecured claims against PayPal, not bank deposits.A narrow crypto-linked Program Bank condition is not general protection for every PayPal Business balance.
View legal and product sources
0 selected locally.No matching comparison is published
Protection map
“FDIC insured” needs a bank, owner and condition.
FDIC coverage is generally $250,000 per depositor, per insured bank, per ownership category. Pass-through arrangements require ownership, disclosure and recordkeeping conditions and aggregate with the owner's other deposits at the same bank.
Bluevine's and Mercury's cited sweep programmes can spread eligible deposits across programme banks under different terms. Airwallex, Wise and Payoneer use different non-bank fund-management arrangements. Ordinary PayPal Business funds are not FDIC-insured deposits.
Bluevine
Up to $3 million is a multi-bank sweep claim, not $3 million at one bank. Verify programme banks, ownership category and aggregation.
Mercury
The cited up-to-$5 million ceiling is a multi-bank sweep claim. Choice, Column, programme-bank, recordkeeping, ownership and aggregation conditions still apply.
Airwallex
Some US customers use Evolve for payment services. Confirm the exact onboarding model and whether a particular balance is FDIC-eligible.
Wise
Ordinary funds use separate cash and liquid assets. Only eligible interest-opted USD may receive conditional Program Bank pass-through coverage.
PayPal
Ordinary business balances are unsecured claims. A narrow crypto-linked condition does not protect every business balance.
Payoneer
Customer balances are direct claims against Payoneer. Dedicated underlying assets do not establish a blanket customer-level FDIC deposit-insurance promise.
Fee ledger
Monthly price is only the first line.
These are dated entry points from official fee pages. Transaction method, volume, conversion, card, wire and plan conditions can change the total.
Bluevine
Standard: $0 monthlyPlus is listed at $30/month and Premier at $95/month. Waivers, APY requirements and transaction fees have separate conditions.
Mercury
Core banking: $0 monthlyMercury lists no monthly, overdraft or minimum-balance fee for core banking. Paid workflows, expedited payments, FX, IO and Treasury remain separate or conditional.
Airwallex
Explore: $0 per user/monthThe dedicated pricing page lists Grow at $12 per user/month plus a platform fee, but another official FAQ conflicts. Confirm the live quote.
Wise Business
$31 one-time details feeDomestic non-wire receipts are listed as free and USD wire or Swift receipts at $6.11. Sending, conversion and card fees vary.
PayPal Business
$0 opening and monthly maintenanceStandard domestic Checkout is listed at 3.49% plus the fixed fee; standard card payments are 2.99% plus the fixed fee.
Payoneer
Public prices vary by method and corridorUS ACH debit is listed at 1%; same-country local-currency withdrawal has a USD 1.50 example; annual account and card conditions can apply.
Eligibility
A US route still has entity, owner and industry gates.
Bluevine requires a US-registered business and supports defined owner countries and entity types. Mercury requires a US or territory-registered company and applies owner, controller, location and industry checks. Airwallex requests US formation, tax and beneficial-owner evidence. Wise excludes Nevada and specified territories. PayPal applies its US organisation, operation or residence test.
- 01Confirm the exact legal business and registration state.
- 02Check owner, controller, residency and identity requirements.
- 03Screen industry and acceptable-use restrictions.
- 04Review plan, rail and protection terms before funding.
Payment rails
ACH, Fedwire and cards are infrastructure—not universal feature promises.
Nacha and the Federal Reserve establish the market systems. The provider, account, direction, cutoff and fee still require product-level evidence.
The Airwallex-to-Wise route analysisshows how a US business payout can be method-compatible over ACH or Fedwire while recipient, account-detail and provider approval remain conditional.
ACH
US direct and business payments. Bluevine explicitly cites ACH; other flows require their exact product documentation.
Fedwire / wire
Immediate, final participant settlement through eligible institutions. Customer access and fees depend on the provider.
Debit cards
Card issuer, programme, spending controls and eligible account must be checked separately.
Credit cards
Payment acceptance and card funding are not the same as a business deposit account.
Evidence upgrade
Payoneer now enters the comparison with a conditional US record.
Provider, California regulator and SEC evidence resolve Payoneer Inc. as the US money-transmitter entity while preserving its non-bank account and customer-balance boundaries.
Verified with conditions
Payoneer US payment-account scope
The current record supports eligible US business receiving, balance, payment, withdrawal and card workflows. It does not describe Payoneer as a bank or promise every feature, corridor, price or card to every customer.
Read the full Payoneer reviewPayoneer US business approval sources
- Payoneer states that it is not a bank and does not provide traditional or virtual business bank accounts.
- Receiving-account details must not be presented as bank accounts or deposit products.
- Payoneer publishes business, marketplace and freelancer cross-border pricing, including US-specific payment-method examples.
- The schedule says availability and exact pricing vary by jurisdiction, eligibility, account type, method and corridor.
- The page does not by itself resolve the exact contracting entity and full availability for a US-registered business account.
- The disclosure identifies Payoneer Inc., NMLS ID 1041524, and lists its current United States money-transmitter licences.
- A money-transmitter licence supports payment services but does not make Payoneer Inc. a bank or turn customer balances into bank deposits.
- California DFPI lists Payoneer Inc. as a regulated money transmitter under licence ID 2522.
- The record independently confirms the United States operating entity and licence type without establishing bank status.
- The filing describes Payoneer as a financial technology company and the Payoneer Account as a business-focused multi-currency payment account.
- It states that Payoneer is registered with FinCEN as an MSB and licensed as a money transmitter where required in the United States.
- Customer balances are direct claims against the company; underlying customer funds are held in dedicated bank accounts and can be invested in debt securities and term deposits.
- The filing says the vast majority of relevant cash funds exceed applicable FDIC limits or are held where deposit insurance is unavailable, so NeobankDB does not attach a generic FDIC badge to Payoneer balances.
- The page describes one Payoneer Account with receiving details for USD, GBP, EUR, AUD, CAD, SGD, HKD, AED, MXN and JPY workflows.
- It identifies United States USD receiving by ACH and states that availability remains subject to terms and eligibility.
- The page lists USD local-bank-transfer receiving as free for customers in the United States while other customers can pay up to one percent.
- Eligible customers can pay another Payoneer account or a recipient bank account and can create batch payments of up to 1,000 transactions.
- Fees depend on recipient location, currency, region and transaction volume; exact in-account pricing controls over marketing examples.
- The payment service is for business expenses, suppliers, employees and tax authorities, not unrestricted consumer person-to-person use.
- Payoneer describes withdrawals to verified personal or company bank accounts with country, currency and identity checks.
- Bank transfers are described across supported countries, but speed, conversion and limits remain account- and corridor-specific.
- India remains a separate flow in which received funds are automatically withdrawn to the local bank account under current guidance.
- Payoneer separates a customer-owned personal or company bank account under Your bank accounts from a third-party account under Recipient bank accounts.
- Individual and company withdrawal-account names must match the Payoneer customer, and a newly added bank account is reviewed and usually takes up to three business days for approval.
- Most confirmed withdrawals are described as same day or up to two business days, while fees, limits, currency conversion, feature availability and the live estimated deposit date remain account-specific.
- Payoneer directs customers to the Transactions page to track Withdrawal to bank records and download the confirmation for a bank trace.
- If five business days pass without receipt, the customer should verify bank details and contact Payoneer when the details are correct.
- Incorrect bank details can cause return to the Payoneer account within up to 14 business days; return is not immediate and retry should wait for final credit.
- Payoneer requires the bank-account holder name used during signup to match the Payoneer personal or company account name.
- An eligible bank account under a different name belongs under Recipient bank accounts rather than the customer's withdrawal-account list.
- The distinction prevents a supplier payment from being mislabeled as withdrawal to the customer's own bank.
- Card availability is conditional on region, customer eligibility and a stated minimum of USD 100 received in the prior six months.
- Eligible customers may receive a Payoneer Business Premium Debit Mastercard issued by Payoneer Europe Limited or a Corporate Purchasing Mastercard issued by First Century Bank, N.A. and provided by Payoneer Inc.
- Employee cards and spending limits are documented, but a card issuer does not turn the Payoneer Account balance into a bank deposit.
- Payoneer documents two-step verification, authenticator-app and mobile push options, CAPTCHA, adaptive authentication, web application firewalls and transaction monitoring.
- The page lists PCI DSS Level 1 and SOC 1 Type II and SOC 2 Type II assessments as company-reported controls.
- These documented controls do not prove that NeobankDB independently tested account security or incident response.
- Payoneer states that Customer Care is available 24/7 through eligible live-chat, email, phone and WhatsApp channels after account sign-in.
- Dedicated account-management benefits and fee or limit benefits remain account-, activity-, jurisdiction- and eligibility-specific.
- Published availability does not establish response time or support quality.
- The policy asks customers to report suspected errors or unauthorised transactions within 60 days and describes investigation timeframes.
- The page provides a dispute path and a New York customer-service mailing address but does not guarantee a particular outcome.
- The US listing identifies Payoneer Inc. as the developer and showed a 4.1-star snapshot, about 157,000 reviews and more than 10 million downloads.
- The app was listed as updated on 16 June 2026 and describes business payment, balance and withdrawal functions.
- Store metrics are dynamic snapshots and do not become a NeobankDB reliability or support score.
- The US listing identifies Payoneer Inc. as the seller and documents iPhone, iPad and compatible Apple-platform availability.
- Apple states that the developer-provided privacy information is not independently verified by Apple.
- NeobankDB did not independently test the app or derive sentiment from individual reviews.
- The status page showed the listed Payoneer systems operational when observed and exposes recent incident and maintenance history.
- A current operational snapshot is not evidence of a historical uptime percentage or a reliability score, and client-specific issues may not appear.
Source ledger
Every material business-account claim keeps its evidence and date.
Sources were observed on 12 July 2026. Fees, eligibility, partners and protection require launch-time and material-change reverification.
Bluevine US business source drawer
Bluevine is displayed as business banking fintech.
- Bluevine says it is a financial technology company, not a bank.
- Banking services are provided by Coastal Community Bank, Member FDIC.
- The current page lists Standard with no monthly fee, Plus at USD 30 per month and Premier at USD 95 per month, with separate waiver and interest conditions.
- Bluevine describes up to USD 3 million in FDIC insurance through Coastal Community Bank and program banks; this depends on pass-through, sweep and aggregation rules.
- Applicants must be at least 18, own or represent a US-registered business and pass identity verification.
- Supported entity types, owner countries and industries vary; applications remain subject to approval.
- The process requests business, controller and 25-percent-or-more owner information and may require additional documents.
- The agreement is effective 12 February 2026 and identifies Coastal Community Bank as the bank making the account and debit card available on behalf of Bluevine Inc.
- Bluevine Inc. is the programme partner managing the Bluevine Business Checking programme; the demand-deposit customer is a commercial legal entity.
- The agreement permits security, legal, regulatory and fraud-related holds, transaction limits, feature restrictions and requests for additional information.
- Contract limits distinguish direct incoming ACH or wire, dashboard-initiated linked-account pulls, cash deposits, mobile checks, cards and withdrawals.
- Standard is listed at USD 0 per month, Plus at USD 30 and Premier at USD 95, with separate fee-waiver requirements.
- Current APYs are 1.3 percent for eligible Standard balances up to USD 250,000, 1.75 percent for Plus balances up to USD 250,000 and 3.0 percent for Premier without a stated interest balance cap.
- Plan differences include payment discounts, five, ten or twenty sub-accounts, free mailed checks, fraud controls, priority support and conditional Treasury access.
- Plus and Premier fee waivers require both the stated average balance and card-spend thresholds during the billing cycle.
- The 28 May 2026 schedule lists plan fees, ACH, check, wire, cash-deposit, ATM, international-payment, replacement-card and dormancy charges.
- Standard ACH and incoming domestic ACH or wires are listed at USD 0; same-day ACH and outgoing wire charges fall by plan.
- Cash deposits, out-of-network ATMs, express replacement cards, international payments and certain checks can carry fees despite the Standard plan's zero monthly fee.
- The schedule says transaction counts are unlimited but amount limits in the account agreement and customer dashboard still apply.
- The interest terms are effective 12 March 2026 and establish the current APY and balance cap for each plan.
- Standard customers must meet at least one monthly activity condition; Plus and Premier customers are automatically eligible under the current terms.
- APY and eligibility can change under the account agreement and should be rechecked before publication or account selection.
- The 2 June 2026 article distinguishes unlimited transaction counts from account-specific transaction amount limits shown in the web dashboard.
- Direct incoming ACH and wire transfers are listed without an incoming amount limit, while dashboard pulls may be reviewed or restricted.
- Card purchases are listed up to USD 25,000 per day per card based on eligibility; cash, ATM and mobile-check limits remain method-specific.
- Bluevine may permit higher limits or restrict transactions based on eligibility, review and risk controls.
- The disclosure lets Coastal arrange deposits across programme banks to increase potential FDIC coverage, subject to ownership category, aggregation and programme rules.
- Deposits at the same programme bank in the same ownership capacity aggregate with deposits held outside Bluevine.
- Funds can reach an excess bank above the applicable insured limit, programme banks can change, and customers cannot access programme-bank accounts directly.
- Opting out leaves deposits at Coastal and removes sweep-related coverage above the standard maximum for the Bluevine account.
- The 10 June 2026 article lists the current Bluevine sweep-network banks.
- The list may change without advance notice and must be checked with the sweep statement and disclosure rather than treated as permanent.
- Bluevine documents standard and same-day ACH, domestic wire, mailed check and Bluevine Pay options with method-specific timing and fees.
- Standard ACH and Bluevine Pay are listed without a Bluevine payment fee; other methods depend on plan and delivery method.
- Payments can be one-time or recurring, and the dashboard supports payees, bill details, approvals and status tracking.
- Bluevine currently states that its account is not compatible with Zelle.
- The 2 June 2026 guide describes Administrator, Authorized User, Accountant, Clerk and Employee roles with distinct permissions.
- Additional users have separate credentials, while the account owner remains responsible for authorised transactions and fees.
- Payment approvals, cards, statements, bill management, sub-accounts and external-account access are permission-specific rather than universal.
- Bluevine supports a QuickBooks Online connection for bills, transactions and payee workflows.
- The connection is configured through the web dashboard and payment sync for sub-accounts is not currently supported.
- The integration is not evidence of every accounting field or workflow syncing bidirectionally.
- Bluevine requires an MFA code for a new or untrusted device and currently supports SMS to a US cellular number as its MFA method.
- A trusted device can sign in without a new MFA code; call-forwarding and Wi-Fi-only numbers are not supported for MFA.
- Official fraud guidance lists phone, email and chat during stated business hours and warns customers never to share passwords, full card numbers or one-time codes.
- Eligible international owners must have a US-registered LLC or corporation, an EIN, a valid passport and residence in a supported country.
- International-owner onboarding does not currently cover non-US business entities, sole proprietorships or nonprofits.
- Lending, credit and Treasury products are not currently available to international owners, and other feature limitations apply.
- FDIC insurance covers eligible deposits up to USD 250,000 per depositor, per FDIC-insured bank, per ownership category.
- Corporation, partnership and unincorporated-association accounts are a distinct ownership category.
- Balances at the same insured bank in the same ownership category are aggregated.
- Pass-through insurance can apply when a third party places customer funds at an FDIC-insured bank and all ownership, disclosure and recordkeeping requirements are satisfied.
- Pass-through is not a separate ownership category and does not create duplicate coverage at the same bank.
- If the requirements fail, coverage can be limited to the named account holder rather than each underlying customer.
Mercury US business source drawer
Mercury is displayed as business banking fintech.
- Mercury identifies Mercury Technologies, Inc. as a fintech company rather than an FDIC-insured bank.
- Business banking services are provided through Choice Financial Group and Column N.A., both Members FDIC; the exact provider account and agreement remain customer-specific.
- Mercury Treasury and Mercury Invest are separate Mercury Advisory, LLC investment-advisory products and are not bank deposits.
- Mercury describes free business checking and savings, virtual and physical cards, ACH, wires, checks, invoicing, bill pay, permissions and accounting integrations.
- The page advertises potential FDIC coverage up to USD 5 million through partner banks and sweep networks, subject to programme, ownership, recordkeeping and same-bank aggregation conditions.
- Its FAQ names Choice Financial Group, Column N.A. and Evolve Bank & Trust, while current legal and business-disclosure summaries emphasize Choice and Column; the customer statement and governing agreement remain controlling.
- A business must be formed and registered in the United States or a US territory and provide legal, operating, source-of-funds, ownership and controller information.
- International founders can apply for an eligible US-registered business, but principal-address, prohibited-country, industry, entity and verification restrictions apply.
- Mercury and its banking providers retain approval discretion; submitted documents and general eligibility do not guarantee account opening or every product.
- Mercury states that core business banking has no monthly, overdraft or minimum-balance fee and no Mercury fee for domestic wires, ACH or checks.
- Plus, Pro and Enterprise subscription services add advanced workflow and support features under separate monthly or annual pricing.
- International currency conversion, premium processing, API mass payments, Treasury, cards, third parties and other optional actions can carry separate fees.
- Eligible funds can be placed from a core bank into deposit accounts at programme banks on the customer-specific bank list.
- Coverage depends on beneficial ownership, account titling, records, programme limits, same-bank deposits held elsewhere and the FDIC determination at bank failure.
- A multi-bank sweep can expand potential coverage but does not create USD 5 million of insurance at one bank or protect balances above applicable programme and bank limits.
- Mercury lists ACH, domestic and international wires, checks, bill pay, invoicing and accounting connections for eligible business accounts.
- The current page lists USD 0 for ACH, domestic wires, mailed checks and USD international wires, while supported non-USD international wires use a stated one-percent currency conversion fee.
- Displayed timing ranges remain provider-stated estimates; recipient, rail, currency, intermediary, premium-processing, limit, compliance and third-party conditions can change cost or arrival.
- IO is a cash-underwritten business charge card whose balance cannot exceed eligible cash held with Mercury; Patriot Bank, N.A. issues the cited card.
- Introductory daily repayment and higher-limit monthly or daily repayment paths depend on balance, account history, underwriting and in-product qualification.
- The cited one-and-a-half-percent cashback applies to eligible settled purchases while approval, limit, repayment, card, fee and good-standing conditions remain separate.
- Treasury requires an approved Mercury business account, at least USD 250,000 in total deposits, supported physical location and an eligible entity type.
- Mercury Treasury is offered by Mercury Advisory, LLC through an investment and brokerage structure, not by the business deposit-account banking providers.
- Treasury securities can lose value, are not FDIC-insured bank deposits and use separate advisory, brokerage, yield and fee terms.
- Mercury says checking and savings accounts are provided through Choice Financial Group and Column N.A., while switching partner banks opens new provider accounts and transfers activity.
- A migration requires new bank terms and can change routing details, account status and programme-bank placement; old accounts can be disabled.
- Mercury's business page also mentions Evolve Bank & Trust, so the exact current provider must be read from the customer's statement and governing agreement.
- Mercury states that it is a fintech company rather than an FDIC-insured bank and identifies Choice Financial Group and Column N.A. as banking providers.
- Mercury debit cards are issued by Choice or Column, while the IO charge card is issued by Patriot Bank, N.A.; these card roles do not reclassify Mercury.
- Non-USD international wires have a stated one-percent currency-exchange fee and non-USD debit or IO card transactions can have a currency-exchange fee up to three percent.
- The current pricing page lists the core Mercury tier at USD 0 per month and presents Plus and Pro as optional workflow subscriptions.
- The observed annual-pricing view displays a fifteen-percent discount with Plus at USD 29.90 per month and Pro at USD 299 per month; monthly cadence and Enterprise custom pricing remain separate.
- Plan features, ACH-debit transaction charges, reimbursement-user allowances, overages, taxes and optional products remain tier- and action-specific.
- Eligible funded accounts can create virtual or physical debit cards tied to a checking account with card-level controls.
- IO remains a separately underwritten cash-underwritten charge card with its own limit, repayment, cashback and issuer conditions.
- Mercury debit cards are issued by Choice Financial Group or Column N.A.; IO is issued by Patriot Bank, N.A.
- The current page lists up to USD 1,000 per physical debit card per business day and a USD 3,000 business-wide daily ATM cap.
- Mercury does not support cash deposits through its partner-bank branches; checks, ACH transfers and wires are listed as funding alternatives.
- ATM-operator charges, non-USD conversion, Mastercard-network, chip, card-type, dispute and customer-specific limit conditions remain separate.
- Admins or users with card-limit permission can set daily, weekly, monthly, permanent or temporary debit-card limits.
- The page repeats a USD 1,000 per-card business-day ATM ceiling and USD 3,000 business-wide daily ceiling, with business-day reset conditions.
- Recurring charges, force posts and preauthorisations can behave differently from a simple card-limit block and require transaction-specific review.
- Mercury assigns customer-specific ACH, wire and check-deposit limits rather than publishing one universal business limit.
- An eligible web-dashboard flow can request a temporary increase with transaction context and supporting documents.
- The provider states a typical one-to-two-business-day review response, which is not approval or payment-completion timing.
- Signed-in customers can message support from the web or mobile dashboard; people without access can use the public contact flow or help@mercury.com.
- Mercury states that messaging is available around the clock and typically receives a response within five minutes.
- NeobankDB has not independently tested support availability, response time, resolution quality or escalation outcomes.
- An IO-only path is described as an invitation-only closed beta that does not require opening a Mercury deposit account.
- It requires a supported external business account connection for underwriting data, autopay and cashback, with at least one primary connection maintained.
- The IO-only limit, monthly repayment, Plaid connection, cashback, non-USD fee, eligibility and credit-reporting conditions remain separate from the standard deposit-linked IO path.
- Settled debit-card, IO-card and eligible ACH-pull transactions can use the cited self-service dispute flow; pending, failed, internal-transfer and wire states use different paths.
- Merchant disputes can take up to ninety days under the provider's description and filing does not guarantee recovery.
- Freezing or replacing a card, evidence, reporting window, transaction type and investigator communication remain case-specific.
- FDIC insurance covers eligible deposits up to USD 250,000 per depositor, per FDIC-insured bank, per ownership category.
- Corporation, partnership and unincorporated-association accounts are a distinct ownership category.
- Balances at the same insured bank in the same ownership category are aggregated.
- Pass-through insurance can apply when a third party places customer funds at an FDIC-insured bank and all ownership, disclosure and recordkeeping requirements are satisfied.
- Pass-through is not a separate ownership category and does not create duplicate coverage at the same bank.
- If the requirements fail, coverage can be limited to the named account holder rather than each underlying customer.
Airwallex US business source drawer
Airwallex is displayed as business finance platform.
- The US business account is for global payments, multicurrency funds, cards and expense workflows rather than consumer checking.
- Airwallex US, LLC is registered as an MSB with FinCEN.
- The product page's Grow-plan FAQ conflicts with the dedicated pricing page, so current plan cost must be confirmed from the live pricing flow.
- The dedicated pricing page lists Explore at USD 0 per user per month, Grow at USD 12 per user per month plus a team-size platform fee, and Accelerate as custom pricing.
- FX, SWIFT, payment-processing and other transaction fees remain separate.
- The Grow presentation conflicts with the business-account FAQ, so NeobankDB does not present one uncontested Grow total.
- US-company onboarding can require tax ID evidence, formation documents, business evidence and beneficial-owner or controller identity information.
- Sole proprietors and higher-risk business models have separate documentation requirements.
- Documentation requirements establish an application path, not guaranteed approval.
- Airwallex US, LLC identifies itself as licensed or authorised as a money transmitter in listed states.
- Some US customers use Evolve Bank & Trust for payment services, while the Borderless Card is issued by Community Federal Savings Bank.
- Partner-bank membership must not be rewritten as Airwallex itself being an FDIC-insured bank.
- Airwallex describes a US business-only global account for multi-currency collection, conversion, transfers, corporate cards and accounting integrations.
- The page says a business can enrol in the Explore plan without an account-opening charge; transaction and product fees remain separate.
- Global coverage statements do not prove every customer, currency, rail, local detail or recipient is eligible.
- Evolve Bank & Trust, Member FDIC, provides payment services to certain US-based Airwallex customers.
- Airwallex says eligible customer funds at Evolve are held in an omnibus account for customers' benefit and are intended to remain eligible for pass-through insurance to the extent permitted by law.
- Airwallex itself is not a bank; customer eligibility, placement, ownership records, aggregation and FDIC requirements must not be replaced by a blanket insured-balance claim.
- Airwallex describes virtual company and employee cards plus eligible physical employee cards, with card, category and time-period controls.
- The page states that cards draw from the multi-currency balance and lists no foreign transaction fee when spending an available currency balance; conversion can still apply when the currency is not held.
- Card availability, issuer, controls, rewards and limits remain customer- and programme-specific.
- The US payment page lists domestic card acceptance at 2.80 percent plus USD 0.30 and international cards at 4.30 percent plus USD 0.30.
- It lists local payment methods at USD 0.30 plus the method fee and describes platform and marketplace payment integrations.
- Acceptance, settlement, disputes, conversion and method-specific conditions remain separate from the Business Account transfer price.
- Airwallex describes business-only Global Accounts with local details in more than 20 currencies and receiving coverage across more than 70 countries, subject to eligibility and live coverage.
- Received funds can be held in the Airwallex wallet, converted, spent or paid out; a local account detail is a collection route rather than proof of a separate bank deposit in every market.
- Airwallex US, LLC remains a money transmitter, while eligible pass-through treatment for some US customer funds depends on the exact Evolve programme and legal conditions.
Wise US business source drawer
Wise is displayed as money transmitter and multicurrency account.
- UK entity is an FCA-authorised EMI.
- US entity is registered with FinCEN and uses state licences/partner arrangements.
- Wise says it safeguards customer money and does not lend it like a bank.
- Arrangements vary by country.
- Wise Business supports international payments, multi-currency receiving details, cards and team controls for eligible US businesses.
- The page lists a one-time USD 31 fee to unlock business account details.
- Wise is not an FDIC-insured bank; only eligible USD funds opted into the interest feature can receive conditional pass-through coverage through a Program Bank.
- The US pricing page lists USD 31 to unlock local account details in supported currencies.
- It lists domestic non-wire receipts as free and USD wire or SWIFT receipts at USD 6.11 per payment.
- Conversion, sending, card and other method-specific fees remain separate.
- Wise requests business registration, tax, physical trading address, activity, controller and 25-percent-or-more owner details.
- The page states that businesses from Nevada and specified US territories cannot be onboarded due to licensing limitations.
- Verification requirements can vary by entity and do not guarantee approval.
- Wise US Inc. keeps customer funds separate in a mix of cash at commercial banks and secure liquid assets.
- Wise is not a bank and ordinary balances without the interest feature are not FDIC insured.
- Eligible USD funds opted into the interest feature may receive up to USD 250,000 in pass-through insurance through the current Program Bank, subject to aggregation and programme rules.
- Wise lists the first US business card without a subscription fee and additional team cards at a USD 5 one-time charge per card.
- The schedule lists no Wise ATM fee up to USD 250 withdrawn per calendar month, then USD 1.95 plus 1.95 percent per withdrawal; ATM operators may add fees.
- Card availability, limits, merchant treatment and conversion charges remain customer- and transaction-specific.
- Verified Wise Business accounts can upload CSV or XLSX templates for batches of up to 1,000 payments.
- Authorised team members can prepare batches, with configured approval requirements applying before release.
- Batch availability, recipient details, funding, fees and timing remain subject to market and route conditions.
- Wise Business owners or authorised users can invite team members and assign account, transfer and card permissions.
- Card spending limits and one- or two-person payment approvals can be attached to eligible team-member actions.
- Permissions support separation of duties but do not guarantee fraud prevention, payment acceptance or uninterrupted access.
- Wise documents supported currency-transaction feeds, bill payment and reconciliation through its QuickBooks connection.
- The user selects currencies and grants data-sharing consent; region and third-party connection conditions can apply.
- The integration does not prove every accounting object, historic record or workflow synchronises.
- The United States policy was last updated on 25 March 2026 and applies when a customer accesses or uses Wise services.
- Wise lists companies involved in cryptocurrency exchange or trading, including payments intended to purchase cryptocurrency, among unsupported businesses and transactions.
- The restriction does not apply automatically to lawful Wise Multi-Currency Card transactions; the applicable card supplement remains a separate evidence gate.
- Wise may decline restricted transactions, suspend or cancel payment orders, or withdraw service access.
- Wise's United States page says eligible personal customers can hold 40 currencies and receive with account details for 20 currencies, subject to the current product flow.
- The linked card can spend in additional currencies through conversion, which must not be presented as every spend currency being a held balance or local receiving detail.
- Wise is not a bank; ordinary balances and the optional USD interest programme retain different safeguarding and conditional pass-through-insurance treatment.
- The observed United States pricing page says holding more than 40 supported currencies is free.
- Conversion uses the displayed exchange rate plus a currency- and transaction-specific fee, so free holding does not mean free conversion, receiving, sending or card use.
- Supported currencies, account details, adding methods, limits and optional interest remain separate product conditions.
PayPal US business source drawer
PayPal is displayed as payment wallet with separate balance card savings and crypto products.
- The agreement is with PayPal, Inc., applies to US accounts and was last updated on 29 June 2026.
- A business must be organised in, operating in or resident in the United States or a territory, and business activity requires a business account.
- Ordinary business-account balances are unsecured claims against PayPal; PayPal is not a bank and is not FDIC insured.
- A narrow Program Bank arrangement can apply when an enumerated programme condition is met; it is not a general business-balance protection claim.
- The agreement separates free standard transfer to an eligible linked bank or debit card from fee-bearing Instant Transfer to an eligible linked bank or debit card for personal and business accounts.
- The fee schedule applies to US accounts and was last updated on 29 June 2026.
- Standard domestic PayPal Checkout is listed at 3.49 percent plus the fixed fee, while standard card payments are listed at 2.99 percent plus the fixed fee.
- International, invoicing, alternative-method, conversion and other product fees use separate rows and conditions.
- The current withdrawal table lists standard eligible bank or card transfer with no PayPal fee when no conversion occurs and Instant Transfer at 1.50 percent with a USD 0.50 minimum; bank Instant Transfer is listed up to USD 25,000 per transaction, subject to eligibility and live disclosure.
- PayPal Balance is provided by PayPal, Inc.; PayPal is not a bank and is not FDIC insured.
- Ordinary Balance funds are unsecured claims against PayPal unless an enumerated PayPal Debit Card, Direct Deposit or personal cryptocurrency condition applies.
- Eligible US-dollar balances are placed at Program Banks for conditional pass-through FDIC treatment; the protection is against Program Bank failure, is subject to aggregation and regulatory conditions, and does not protect cryptocurrency or PayPal failure.
- The current list names Goldman Sachs Bank USA, Wells Fargo Bank, N.A. and JPMorgan Chase Bank, N.A. as Program Banks.
- PayPal lists the exact personal and business conditions that make eligible US-dollar balance funds subject to possible pass-through FDIC insurance.
- Other balance funds and all cryptocurrency are excluded from the stated Program Bank treatment.
- The schedule was last updated on 19 May 2025 and applies to US accounts.
- It lists no PayPal fee for purchases without conversion, no fee for domestic personal payments funded by balance or bank, and 2.90 percent plus a fixed fee when funded by card.
- It lists a 1.75 percent Instant Transfer fee with observed USD 0.25 minimum and USD 25 maximum, a 4 percent conversion spread for specified payment conversions and separate crypto fees and limits.
- The current withdrawal table lists standard transfer to an eligible linked bank or debit card with no PayPal fee when no conversion occurs; bank Instant Transfer is listed up to USD 25,000 per transaction, subject to eligibility and live disclosure.
- PayPal documents separate withdrawal from an eligible PayPal balance to a linked bank account or eligible debit card after money reaches PayPal.
- The observed page lists standard bank transfer as typically one to three business days without a PayPal fee and Instant Transfer as typically within minutes with a fee, while bank processing, review, weekends and holidays can delay either path.
- Failed bank withdrawals can return to PayPal and may incur a return fee; this downstream PayPal withdrawal is separate from Coinbase's preceding cash-out instruction.
- PayPal says the linked account must be with a United States bank and the bank-account name must match the PayPal-account name.
- PayPal also lists account-link count limits, prior linkage, account limitations, negative balance, bank compatibility and failed confirmation as possible reasons linking is unavailable.
- A bank's existence or ability to receive ACH does not prove that PayPal will offer it as a withdrawal destination.
- PayPal says withdrawals are automatically reviewed and some can be held for up to 72 hours because of account activity, network, verification, limitation or destination-detail factors.
- After review, a completed status begins the ordinary transfer timeframe; review time is not included in a minutes or one-to-three-business-day headline.
- PayPal communicates review updates by email and says a withdrawal cannot be cancelled during the review.
- The agreement was last updated on 26 January 2026 and identifies The Bancorp Bank, N.A. as card issuer.
- The card is a personal debit card linked to PayPal Balance, not a credit card and not for business use.
- Card error and unauthorised-transaction protections are subject to the agreement's notice and eligibility requirements.
- PayPal Savings is a personal deposit account provided by Synchrony Bank, Member FDIC; PayPal itself is not a bank.
- A PayPal Balance account is required, and transfers into or out of Savings pass through PayPal Balance.
- The page showed a 3.30 percent variable APY as of 16 June 2026; the rate can change and the FDIC limit aggregates eligible ownership-category funds held at Synchrony Bank.
- The current terms, last updated 19 May 2026, are with PayPal Digital, Inc., a New York limited purpose trust company.
- Eligible consumer and business crypto accounts may buy, sell, hold, send and receive supported crypto assets through a linked PayPal or eligible Venmo account.
- Crypto assets are not FDIC or SIPC insured and product features may vary by location and linked-account type.
Payoneer US business source drawer
Payoneer is displayed as licensed money transmitter business payment platform.
- Payoneer states that it is not a bank and does not provide traditional or virtual business bank accounts.
- Receiving-account details must not be presented as bank accounts or deposit products.
- Payoneer publishes business, marketplace and freelancer cross-border pricing, including US-specific payment-method examples.
- The schedule says availability and exact pricing vary by jurisdiction, eligibility, account type, method and corridor.
- The page does not by itself resolve the exact contracting entity and full availability for a US-registered business account.
- The disclosure identifies Payoneer Inc., NMLS ID 1041524, and lists its current United States money-transmitter licences.
- A money-transmitter licence supports payment services but does not make Payoneer Inc. a bank or turn customer balances into bank deposits.
- California DFPI lists Payoneer Inc. as a regulated money transmitter under licence ID 2522.
- The record independently confirms the United States operating entity and licence type without establishing bank status.
- The filing describes Payoneer as a financial technology company and the Payoneer Account as a business-focused multi-currency payment account.
- It states that Payoneer is registered with FinCEN as an MSB and licensed as a money transmitter where required in the United States.
- Customer balances are direct claims against the company; underlying customer funds are held in dedicated bank accounts and can be invested in debt securities and term deposits.
- The filing says the vast majority of relevant cash funds exceed applicable FDIC limits or are held where deposit insurance is unavailable, so NeobankDB does not attach a generic FDIC badge to Payoneer balances.
- The page describes one Payoneer Account with receiving details for USD, GBP, EUR, AUD, CAD, SGD, HKD, AED, MXN and JPY workflows.
- It identifies United States USD receiving by ACH and states that availability remains subject to terms and eligibility.
- The page lists USD local-bank-transfer receiving as free for customers in the United States while other customers can pay up to one percent.
- Eligible customers can pay another Payoneer account or a recipient bank account and can create batch payments of up to 1,000 transactions.
- Fees depend on recipient location, currency, region and transaction volume; exact in-account pricing controls over marketing examples.
- The payment service is for business expenses, suppliers, employees and tax authorities, not unrestricted consumer person-to-person use.
- Payoneer describes withdrawals to verified personal or company bank accounts with country, currency and identity checks.
- Bank transfers are described across supported countries, but speed, conversion and limits remain account- and corridor-specific.
- India remains a separate flow in which received funds are automatically withdrawn to the local bank account under current guidance.
- Payoneer separates a customer-owned personal or company bank account under Your bank accounts from a third-party account under Recipient bank accounts.
- Individual and company withdrawal-account names must match the Payoneer customer, and a newly added bank account is reviewed and usually takes up to three business days for approval.
- Most confirmed withdrawals are described as same day or up to two business days, while fees, limits, currency conversion, feature availability and the live estimated deposit date remain account-specific.
- Payoneer directs customers to the Transactions page to track Withdrawal to bank records and download the confirmation for a bank trace.
- If five business days pass without receipt, the customer should verify bank details and contact Payoneer when the details are correct.
- Incorrect bank details can cause return to the Payoneer account within up to 14 business days; return is not immediate and retry should wait for final credit.
- Payoneer requires the bank-account holder name used during signup to match the Payoneer personal or company account name.
- An eligible bank account under a different name belongs under Recipient bank accounts rather than the customer's withdrawal-account list.
- The distinction prevents a supplier payment from being mislabeled as withdrawal to the customer's own bank.
- Card availability is conditional on region, customer eligibility and a stated minimum of USD 100 received in the prior six months.
- Eligible customers may receive a Payoneer Business Premium Debit Mastercard issued by Payoneer Europe Limited or a Corporate Purchasing Mastercard issued by First Century Bank, N.A. and provided by Payoneer Inc.
- Employee cards and spending limits are documented, but a card issuer does not turn the Payoneer Account balance into a bank deposit.
- Payoneer documents two-step verification, authenticator-app and mobile push options, CAPTCHA, adaptive authentication, web application firewalls and transaction monitoring.
- The page lists PCI DSS Level 1 and SOC 1 Type II and SOC 2 Type II assessments as company-reported controls.
- These documented controls do not prove that NeobankDB independently tested account security or incident response.
- Payoneer states that Customer Care is available 24/7 through eligible live-chat, email, phone and WhatsApp channels after account sign-in.
- Dedicated account-management benefits and fee or limit benefits remain account-, activity-, jurisdiction- and eligibility-specific.
- Published availability does not establish response time or support quality.
- The policy asks customers to report suspected errors or unauthorised transactions within 60 days and describes investigation timeframes.
- The page provides a dispute path and a New York customer-service mailing address but does not guarantee a particular outcome.
- The US listing identifies Payoneer Inc. as the developer and showed a 4.1-star snapshot, about 157,000 reviews and more than 10 million downloads.
- The app was listed as updated on 16 June 2026 and describes business payment, balance and withdrawal functions.
- Store metrics are dynamic snapshots and do not become a NeobankDB reliability or support score.
- The US listing identifies Payoneer Inc. as the seller and documents iPhone, iPad and compatible Apple-platform availability.
- Apple states that the developer-provided privacy information is not independently verified by Apple.
- NeobankDB did not independently test the app or derive sentiment from individual reviews.
- The status page showed the listed Payoneer systems operational when observed and exposes recent incident and maintenance history.
- A current operational snapshot is not evidence of a historical uptime percentage or a reliability score, and client-specific issues may not appear.
US deposit-insurance and payment-rail sources
- FDIC insurance covers eligible deposits up to USD 250,000 per depositor, per FDIC-insured bank, per ownership category.
- Corporation, partnership and unincorporated-association accounts are a distinct ownership category.
- Balances at the same insured bank in the same ownership category are aggregated.
- Pass-through insurance can apply when a third party places customer funds at an FDIC-insured bank and all ownership, disclosure and recordkeeping requirements are satisfied.
- Pass-through is not a separate ownership category and does not create duplicate coverage at the same bank.
- If the requirements fail, coverage can be limited to the named account holder rather than each underlying customer.
- Nacha governs the ACH Network used for US direct deposits, direct payments and business-to-business payments.
- Country-level ACH availability does not prove a particular provider, account or transaction supports an ACH flow.
- Fedwire Funds Service is a real-time gross settlement system for immediate, final and irrevocable participant transfers once processed.
- Direct participants are eligible financial institutions with Federal Reserve Bank accounts; a business customer's access depends on its provider.
Unavailable or deliberately not inferred
- A universal “best business bank” winner.
- Application approval from a public eligibility page.
- FDIC coverage for every fintech balance or partner-bank relationship.
- One uncontested Airwallex Grow-plan total while official pages conflict.
- Payoneer customer-specific limits, fees and feature eligibility.
- Provider-level ACH, wire or card support beyond cited product evidence.