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Financing and payments: what 27 tools cost

Buy-now-pay-later and flexible payment solutions. Every price below is the plan a buyer actually lands on to get this capability — not the headline figure on the pricing page, and not the free tier that does not include it. Read from each vendor's own material and dated.

Ordered by what it costs, cheapest first, starting at Free. 32 more products do this and have no researched price, so they are not listed here.
Robo-Advisor Portfolio Management Betterment Verified 2026-08-22 Automated investment accounts with algorithmically-managed, diversified portfolios rebalanced automatically — Betterment's core service using rules-based portfolio optimization instead of human advisors. Free Automated (0% advisory fee)Betterment's base offering is free to use; advisory fee is paid from portfolio returns. Details → Flexible Financing Brex Verified 2026-08-22 Working capital and extended payment terms drawn against the same account as the card programme. Free Starterthe plan this buyer lands on Details → Spending Account Current Verified 2026-08-22 Debit account with fee-free overdraft and paycheck advances up to $750 Free Current Standardthe plan this buyer lands on Details → Digital Banking Varo Verified 2026-08-22 Mobile-first bank account with no monthly fees Free Varo Standardthe plan this buyer lands on Details → Early Direct Deposit Varo Verified 2026-08-22 Get paid up to 2 days early on your paycheck Free Varo Standardthe plan this buyer lands on Details → Payment Processing 2Checkout (Verifone) Verified 2026-08-22 Global payment processing with 200+ payment methods $0.5/mo Standardthe plan this buyer lands on Details → Payment & Deposit Collection Koalendar Verified 2026-08-22 Collect upfront payments or deposits directly during the booking process. $9.99/mo Pro (monthly billing)the plan this buyer lands on Details → Spend Management Brex Verified 2026-08-22 General office and productivity tools. $12/mo Premiumthe plan this buyer lands on Details → Payment Integration Setmore Verified 2026-08-22 Built-in payment collection through Stripe, Square, or PayPal letting businesses charge cards, Apple Pay, or Google Pay before or during appointments — Stripe and PayPal integrations require the paid Pro or Team plan. $12/mo Prothe plan this buyer lands on Details → Membership Model Thrive Market Verified 2026-08-22 Subscription Service $12/mo Monthly Membershipthe plan this buyer lands on Details → Starling Bank Starling Bank Verified 2026-08-24 UK business and personal banking $15/mo the plan this buyer lands on Details → Public Public Verified 2026-08-24 Investing app with no order-flow payment $20/mo the plan this buyer lands on Details → Monzo Personal Account Monzo Verified 2026-08-22 Free UK current account with a debit card and instant spend notifications — includes up to 20 savings Pots and automatic round-up saving, with paid tiers (Extra £3/mo, Perks £9/mo, Max £19/mo) adding insurance and analytics. $21.76/mo Premiumthe plan this buyer lands on Details → Melio Bill Payment Melio Verified 2026-08-22 Bill pay and invoicing platform for small businesses — pays vendors via ACH, check, or card even where the vendor doesn't accept cards, and syncs two-way with QuickBooks, Xero, and NetSuite to save reconciliation time. $25/mo Corethe plan this buyer lands on Details → Payment Processing Mercury Verified 2026-08-22 Bill-pay and money-movement layer built into Mercury banking — free domestic wires, ACH, and RTP transfers, AI-assisted bill capture, invoicing, and two-way sync with QuickBooks, Xero, and NetSuite. $29.9/mo Mercury Plusthe plan this buyer lands on Details → Business Cards Mercury Verified 2026-08-22 Corporate charge/debit cards issued instantly on account opening — 1.5% unlimited cashback automatically deposited, virtual cards for specific vendors, and per-card spend controls with no personal guarantee required. $29.9/mo Mercury Plusthe plan this buyer lands on Details → Multi-Currency Account Revolut Verified 2026-08-22 Digital account with support for multiple currencies and real-time rates $30/mo Growthe plan this buyer lands on Details → Money Transfers Revolut Verified 2026-08-22 Send money internationally with competitive exchange rates $30/mo Growthe plan this buyer lands on Details → Webull Webull Verified 2026-08-24 Commission-free stocks and options $30/mo the plan this buyer lands on Details → Payment Collection JotForm Verified 2026-08-22 Forms that collect payments inline with support for credit cards and digital wallets. $39/mo Bronzethe plan this buyer lands on Details → Payment Processing ThriveCart Verified 2026-08-22 Accept payments and manage subscriptions $47/mo Standard Monthlythe plan this buyer lands on Details → Coast Coast Verified 2026-08-24 Smart fuel card and fleet expenses $49/mo Pro (annual)the plan this buyer lands on Details → POS System Square Verified 2026-08-22 Point-of-sale software and hardware (handheld readers, terminals, registers, kiosks) tailored by vertical — restaurants, retail, or services — with order management, staff permissions, and built-in sales reporting. $49/mo Plusthe plan this buyer lands on Details → Payment Processing Sellfy Verified 2026-08-22 Built-in payment processing with multiple payment methods $59/mo Business (annual)the plan this buyer lands on Details → Novo Novo Verified 2026-08-24 Business banking for small business $60/mo the plan this buyer lands on Details → Buy Now Pay Later Platform Buy Now Pay Later Platform Verified 2026-08-22 Interest-free installment payment plans for online purchases $100/mo Per-Purchasethe plan this buyer lands on Details → Growth Capital 8fig Verified 2026-08-22 Flexible capital for inventory, ads, and operations $8,000/mo Growth Capital (flat fee)the plan this buyer lands on Details →

This page compares what each tool does and what it costs. It does not name a winner: picking one honestly needs a researched verdict for every option, and the corpus does not carry those yet — so nothing here is ranked by anything but price.

When these prices change, we send a note

Vendors change plans and quietly move capabilities between tiers. We re-read the terms and send one note a week with what moved — including financing and payments.

One note a week, every figure dated and linked to its source. Unsubscribe in one click; we never sell or share the address.