Accounts that introduce themselves.
Checking built for close-of-day
An operating account at Solvanepay arrives fully annotated: routing number, masked account number, wire instructions and a daily limit printed on the face of the record. Nothing is discover-by-incident.
Money in lands with payer, reference and trace attached. Money out is dated and categorised the moment it clears. The desk total is struck after every entry — you never wait for a month-end to know where you stand.
Practical points: unlimited ACH origination, same-day domestic wires until 4 p.m. ET, cheque capture from the desk, and per-entity account numbering that survives audits.
Idle cash, kept visibly at work
Reserve allocations hold their place in the ledger with a stated yield, a monthly credit line and a redemption rule — three fields, plainly printed, reviewed before you commit. Composition is disclosed per product, not summarised into a single hopeful number.
Allocations and redemptions post as ledger lines like everything else, so a treasury position can be reconciled against bank movement without leaving the day-book.
Issue cards the way you file expenses
Every card carries a holder, a budget, a single-purchase limit and a region rule. Those four settings are the card — change one and the ledger notes it. Card activity settles into the same day-book as wires, tagged by last four, so finance never merges two different questions into one spreadsheet.
Freeze and reissue are desk actions, not support tickets. Lost-card exposure ends at the single-purchase limit you set.
The account sheet, side by side
| On the record | Operating | Reserve | Card |
|---|---|---|---|
| Purpose | Daily movement | Idle cash & yield | Team spending |
| Rails | ACH · Wire · Cheque | Alloc · Redeem | Auth · Capture |
| Limits shown | Daily wire limit | Redemption rule | Budget · single |
| Statements | Daily, ruled | Monthly | Per cycle |
| Monthly fee | $0 | $0 | $0 core |
From application to first entry
Applications are filed in five steps — access, business, representative, documents, review — and progress is kept through the session while you gather papers. Solvanepay accepts applications from U.S.-registered businesses; entity and industry eligibility are confirmed during compliance review, typically inside three business days.
Approved desks open with operating checking by default. Reserve and cards are enabled by the same application — no second enrollment.