Bill pay and banking that work together

Streamline payments with integrated Bill Pay that lowers costs, boosts security, and reduces manual work.

Highbeam is a financial technology company, not a bank.
Banking services provided by Thread Bank, Member FDIC.

Earn 4.5% APY interest illustration

Take the pain out of payables

Save money
Eliminate high costs with traditional bill pay systems. Highbeam’s integrated approach ensures your payments are processed efficiently at a lower cost.
Faster payments
Accelerate your payment process and enhance security by integrating Bill Pay directly to banking.
Reduce manual work
Automate invoicing and approval workflows, minimizing manual work and giving you more time to focus on strategic initiatives.
For operating account, earn 3.0% on balances of $250,000 and up, in high yield earn 4.5% on balances of 1 million and up

Goodbye data entry, hello automation

Highbeam Brand Intelligence automatically recognizes, categorizes, and routes bills to the appropriate approvers, streamlining your entire bill payment process.

Close your books quickly

Bill Pay seamlessly connects to your accounting software, reducing errors and speeding up your financial close process.

2% cash back on ads icon
Up to 2% cash back on ads
1% cash back on everything icon
1% cash back
on everything
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No fees  
No limits

Greater control, more visibility

Set custom approval rules and create workflows that ensure bills are paid on time and approved by the right people.

If banking was built for brands, we would expect...

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4.54% APY1

Earn interest up to 4.54% APY in all high yield accounts and up to 3.04% APY on all checking accounts. Setup auto-sweep rules to maximize yield with manual effort.

FDIC insured icon

$3M FDIC insurance2

Building a brand can require carrying a large bank balance. Deposits are FDIC-insured up to $3M through our partner bank, Thread Bank, member FDIC.

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No fee banking

No hidden fees. No wire fees. No monthly fees. No overdraft fees. No minimums. Just, no fees.

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2% cash back on ad spend4

You’re spending hundreds of thousands a month on ads, why not get some of that hard working money back?

Highbeam gives you best-in-class banking features, for free

Here’s how we stack up against the banks you’re used to dealing with.

customer testimonial

Bill pay that works seamlessly
with banking

We've built banking and bill pay together so you can pay vendors quckly and with confidence.

Learn more
(takes less than 5 minutes)

We check all the boxes.

Get started now
icon of coins showing interest earned

4.54% APY1

Earn uncapped interest up to 4.54% APY on all high yield deposits and up to 3.04% APY on all checking accounts.

FDIC insured icon

$3M FDIC insurance2

Deposits are FDIC-insured up to $3M through our partner bank, Thread Bank, member FDIC.

Built by ecommerce experts

When you are a Highbeam customer, you tap into our network of high-growth brands and preferred vendors.

Always secure

We never use your data without permission and have enterprise grade security to keep your information safe and secure.

FAQs

What do I need to apply for an account?
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Highbeam is open to ecommerce and omni-channel brands. To be eligible, you must be a U.S. company with the following:

  • Personal identification documents from the business owner
  • The business’s Employer Identification Number
  • Business name, industry, address, email, and telephone number
  • Registration certificates, business licenses, and/or articles of incorporation
Are my funds insured?
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Yes, your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program here and a list of program banks here. You can learn more about FDIC insurance on the FDIC website.

What does Highbeam cost?
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We believe in transparent, accessible financial services. Because of that, there are no hidden fees or costs. That is, no minimum account balance needed, no ACH, domestic wire or overdraft fees, and no monthly or annual fees. Advanced features such as Highbeam Capital charges a flat interest rate on loans, clearly called out as APR. International transfers sent in USD have a flat fee of $20 to cover SWIFT charges and non-USD transfers are free after currency exchange. International transactions made via Highbeam cards incur a 1% fee that’s charged by Visa.

Can I send money via ACH (electronic transfer)?
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Yes, ACH (electronic transfers) are free with any Highbeam account.

Can I send wire transfers?
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Yes, domestic wire transfers are free with any Highbeam account.

Can I send wire transfers internationally?
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Yes, we support international wire transfers. USD transfers have a flat fee of $20 to cover SWIFT charges and for non-USD transfers Highbeam provides no-fee currency exchange.

Can I deposit checks in my account?
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Yes, you can use electronic check deposits for free with any Highbeam account.

See more FAQs