Get early access

Priced for any business.

Instant payments
$0/month
Instant payments between financial accounts using only an email address.
Always free
See features
  • Unlimited, free instant payments*
  • No weekend or bank holiday delays
  • 1099 determination & payment tracking
  • Spend immediately with Smartcards
  • Transfer out by standard transfer for free
  • Transfer out by fast transfer for $5 (free for accounting-enrolled external accounts)
  • Transfer out by instant transfer for 1.5% (minimum 50¢)
ELIGIBLE FOR FDIC INSURANCE UP TO $250K¹
Primary Business account
$0/month
The self-driving cash management account.
No monthly fee
See features
  • Seamless, built-in accounting suite
  • Unlimited invoicing, including recurring invoices
  • Accept cards & wallets for invoices in link mode for 3.3% + 30¢ and decide who pays the fee
  • Accept cards & wallets for invoices in POS mode for 3% + 15¢ and have your contact tap to pay
  • Automatically entered invoice payments, bill payments, transfers, & personal expenses
  • Auto-transfer to set target balance and to Tax Stash
  • Virtual and physcial Smartcards
  • Eligible for FDIC insurance up to $250K¹
External accounts
$10/month per acct
Use looch with your existing financial accounts and credit cards.
Pay per account
See features
  • Enjoy the looch accounting suite with your current bank account
  • Use a credit card to pay bills, send instant payments to anyone in the world, and run payroll
  • Automatically entered bill payments, transfers, & personal expenses
  • Auto-transfer reconciled income to your Tax Stash
  • Add your existing business accounts to your dashboard and get the complete picture
  • Pay your credit card directly from looch (coming soon)

Pricing & fees

Monthly fee
looch account: No monthly fee

Accounting-enrolled external account: $10/month
Transfers & outbound payments
Instant transfer between looch accounts: Free

Instant transfer to an external account: 1.5% (minimum 50¢)

Fast transfer to an accounting-enrolled external account: Free

Fast transfer to pay a credit card (coming soon): Free

Fast transfer to a personal external account: $5

Standard transfer to/from an external account: Free
Inbound invoice payments
Invoice payment received using a card or wallet

Link mode: 3.3% + 30¢

POS mode: 3% + 15¢

Pay by bank: 2$

Klarna: 6.25% + 30¢

Card, wallet, and pay by bank fees can be passed on to your contact.
Transfers from your Card Payments Wallet
Daily standard transfer of settled sales (2-day rolling basis): Free

Instant transfer, including pending sales: 1.5% (minimum 50¢)
1099 instant filing
Per 1099: $2
Payroll
Subscription: $35/month

Per W-2 employee: $5/month

With Primary Business or an external account: No additional fee

With a credit card: 3.3% + 30¢

Premiums for benefits: Based off payroll

Instant payments to 1099 contractors are free, with or without payroll. looch AI makes the 1099 determination and identifies which payments are reportable and which to leave out. At tax season, instantly file 1099s with the IRS for $2 each.
Smartcards foreign charges
3% on purchases in currencies other than USD or from merchants located outside the United States
The financial OS for the modern business.
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looch is a registered trademark of Simplicity Fintech Inc, a financial technology company.
looch Smartcards Visa® Commercial Credit Cards are powered by Stripe and issued by Celtic Bank.
Simplicity Fintech Inc partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank, Member FDIC.
1. looch accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to $250,000 USD per depositor, per financial institution, for deposits held in the same ownership capacity. Neither Simplciity Fintech Inc nor its financial technology partners are FDIC-insured institutions. FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured depository institution.
2. Instant payments are free when sent with a looch account, a fast transfer from an accounting-enrolled external account, or a standard transfer from any external account. Instant payments sent with a card are 3.3% + 30¢. Refer to the pricing page.
3. When running payroll, early ACH may not be available in all scenarios.
For more information, please see our terms of service and privacy policy.
looch is a registered trademark of Simplicity Fintech Inc, a financial technology company.
looch Smartcards Visa® Commercial Credit Cards are powered by Stripe and issued by Celtic Bank.
Simplicity Fintech Inc partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank, Member FDIC.
1. looch accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to $250,000 USD per depositor, per financial institution, for deposits held in the same ownership capacity. Neither Simplciity Fintech Inc nor its financial technology partners are FDIC-insured institutions. FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured depository institution.
2. Instant payments are free when sent with a looch account, a fast transfer from an accounting-enrolled external account, or a standard transfer from any external account. Instant payments sent with a card are 3.3% + 30¢. Refer to the pricing page.
3. When running payroll, early ACH may not be available in all scenarios.
For more information, please see our terms of service and privacy policy.