Checking, cards, bill pay and invoicing, explained plainly
Every part of a Merrow account, what it costs and how it lands in your books. Read it once and you know what your team can and cannot do.
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Accounts that match how money is used
Operating for daily spend, a reserve that earns 3.6% APY and a payroll account only Gusto can pull from. Open up to 20 accounts, each with its own numbers.
Accounts per company
Up to 20
Monthly fee on Essential
$0
Minimum balance
None
Payments by ACH, wire or mailed check
Pick the recipient, the amount and the rail. The app shows the arrival date before you press send, and anything over your threshold waits for a second approver.
Same-day ACH before 5 pm ET
Free
Domestic wires
Free on Plus
International wires
From 0.5% FX
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Cards with a limit, a merchant and an owner
Physical and virtual Visa Business cards for anyone on the team. Every card has a monthly limit, optional merchant lock and a receipt reminder by text.
Cashback
1.5% on every card
Virtual cards
Unlimited on Plus
Freeze a card
Two taps
Bill pay that reads the invoice for you
Forward invoices to your bills inbox. Merrow reads vendor, amount and due date, routes the bill for approval and pays it on the day you choose.
Bills a month on Essential
10
Approval chains
Plus and Scale
Checks mailed for you
Free
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Invoices your customers can pay in one click
Send an invoice with a pay link. Customers pay by ACH at no cost to either side, or by card at 2.9%. Payments match to the invoice on arrival.
ACH payments received
Free
Card payments
2.9%
Average time to paid
9 days
A ledger your accountant can trust
Transactions sync to QuickBooks, Xero or NetSuite every night with receipts attached and categories filled in from rules Merrow learns from your history.
Sync
Nightly, or on demand
Auto-coded in September
409 of 412
Receipts
Attached before sync
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Set them once in Settings. They apply to cards, bills and payments alike.
Apply in about 10 minutes with your EIN and a photo ID. Most companies are approved within one business day, and Essential has no monthly fee.