Fast. Reliable. On Time.

Pay the new web developer, send the express ACH to the catering company, and schedule next month’s rent payment. All done before your coffee gets cold.

Open account

You didn’t start a business to spend Tuesday morning on hold with your bank. So don’t. Pay staff salaries, send payments to the new supplier and your favorite clients.

Pay vendors and contractors

The locksmith who showed up after hours and the cable guy who actually came on time. They’re both waiting for payments. Do it without the hassle, with multiple payment options so everyone’s satisfied.

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Send bank transfers instantly

Express ACH, free standard ACH, domestic and international wires. Pay the retainer for your lawyer or reimburse an employee for office supplies. Handled easily, with time to spare.

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Schedule recurring payments automatically

Pick the payee, set the amount, choose the date. The recurring payments send themselves, all without entering the same details again. It’s all saved after you do it once.

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Use your debit card with peer-to-peer payment apps

If they can only accept payments through peer-to-peer apps, and you’re not set up—just use your debit card. The money will come directly from your Novo account. No hassle, no worries.

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We don’t nickel and dime you like big banks. Because every cent counts.

Feature

Relay

Bluevine

Lili

Found

Traditional Banks

ACH Transfers

Same-Day ACH

Same-Day ACH Fees

1.5% (capped at ~$20)

$1–$5 (varies by plan)

~$8–$10

1.5% fee (capped at ~$20)

~1.5% (instant transfer)

Often additional fees apply

Incoming Domestic Wires

Free

Free

Free

Free

Free

$0–$15

Bill Pay (Send & Schedule Payments)

Limited scheduling & controls

Limited scheduling

& controls

Payment Methods (ACH, Cards, Invoices)

Plan required

Plan required

Fewer options

Send money like it's the easy part, because it should be. No follow-up required, unless you want to catch up with your favorite accountant who loves gardening like you do.

Over 250,000 businesses like you chose Novo

Customer since 2023

All-in-one payments

“The ability to quickly send payments and manage transactions through the dashboard has been incredibly helpful when coordinating with vendors and partners. We’re constantly paying for production, ingredients, marketing, and logistics.”

Laura MarkewiczLotzaCPG