Do business banking anywhere, in the world 

Your payments, banking, and cash flow. Working as one
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$0 monthly account fees

Your money stays your money. There’s no account, transaction, or hidden fees.

Manage cash flow of your sales

Store your business deposits securely—no minimum balance required.

Get live support

Reach-out to our friendly team by chat to ask questions or dispute a transaction.
Multicent Inc. is a financial services company, not a bank. Banking services will be provided by Multicent’s banking affiliate, Multicent Financial Services, Inc. or CrossRiver Bank; Members FDIC.

Easily track and report on cash flow at your fingertips.

Access your sales instantly

Easily build payment flows for any use case — from online collections to payouts and everything in between — by integrating our SDKs and API endpoints.
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Make a sale, instantly access the funds in your Multicent Checking account

When you take payments and bank through Multicent, everything is connected. Watch your sales flow and process directly into Multicent business Banking, so accessing and moving your money is fast, easy—and can even be automated.

Keep Small business  in business

we are building tools to help you run and shift your business

Send unlimited ACH and wires.

Move money fast, whether paying vendors, running payroll, or sending payments overseas, with zero fees from Multicent.
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ACH 
Electricity
$9,650
Send
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Wire TRansfer
$9,650
Send

Go global—we’ll help.

Banks impose heavy fees for transacting abroad. Not Multicent. Send or spend your money worldwide with no Multicent fees.

Hold funds in 10 currencies

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US Dollar

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Euro

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Norwegian Krone

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Polish Zloty

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British pounds sterlin

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Australian Dollar

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Danish Krone

Swedish Krone

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Swedish Krone

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Swedish Krone

Card

Dynamic card limits & controls

The smartex employee rewards cards for business on mission

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Issue unlimited corporate debits as your team grows
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control spending, freeze or cancel cards anytime.
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Custom expiry dates, for any given project, contractor or subscription period.
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Virtual and physical cards with user access managed via permissions
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Unlimited physical & virtual card for your team and your customer
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Free transfers-from anywhere in the word

Open multiple currency accounts for any business purpose, store your business deposit securely-no minimum balance require

multicent Cafe Owners

Send unlimited ACH and wires.

Create up to 8 accounts in the mobile app or dashboard to keep investor funds separate from operational expenses and more.
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Move money faster and smarter.

Easily build payment flows for any use case — from online collections to payouts and everything in between — by integrating our SDKs and API endpoints.

Easy checks deposits, no minimums.

Deposit checks, approve payments, access or lock cards, and more in our mobile app.
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Get personalized support.

Best-in-class customer service.

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Reach our team by chat. Mastercard’s global emergency services and concierge support are here for you 24/7 too.

Here's why, Multicent is better than a bank

Multicent business bank account

 Traditional business account

FDIC coverage options
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Easy online application 
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No minimum balance
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No account fees
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Transfer ACH & Worldwide
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Unlimited users and cards
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Get paid in crypto
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Help build business credit
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Best-in-class rewards
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Accounting integrations
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Expense tracking
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Payment merchant connect
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Live support
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Multicent can give you all of this and more, including instant payouts and spend management software.

Multicent is a financial technology company, Multicent Treasury LLC is not a fully bank. Multicent Cash is not a bank account.
Multicent, the Multicent logo, Multicent Financial Services, Multicent Capital, and others are trademarks of Multicent, Inc. and/or its subsidiaries. Multicent Financial Services, Inc. is a wholly owned subsidiary of Multicent, Inc.
All loans and corporate credit card  accounts are issued by Multicent Financial Services, Inc., a Utah-Chartered Industrial Bank. Member FDIC. Actual fee depends upon payment card processing history, loan amount, corporate credit card limit and other eligibility factors. A minimum payment of 1/18th of the initial loan balance is required every 60 days and full loan repayment is required within 18 months. Loan eligibility is not guaranteed. All loans are subject to credit approval or approve through your EIN
Multicent Checking will be provided by our partner bank, Member FDIC. Multicent business Debit Card is issued by partner program Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated, and may be used wherever Mastercard is accepted. Accounts are FDIC-insured up to $250,000. Funds generated through Multicent’s payment processing services are generally available in the Multicent checking account balance immediately after a payment is processed. Fund availability times may vary due to technical issues.

Start growing with Multicent today.

Get 10,000 points when you spend your first $1,000 on your Multicent credit card, another 10,000 when you spend $3,000 in 3 months on your card, and 20,000 more when you link payroll to your Multicent account.
Ice Cream Delivery
The retail POS
system for
smooth selling
Snacks
$9,650
Pay now