Embedded finance
Treasury accounts for growing merchants
Join the early access list for FDIC-insured eligible financial accounts, ACH and wires, and a single balance that connects your sales, cards and payouts.
You can apply straight from this page — no account needed to get on the list.
Treasury is provided by our banking partner Stripe to eligible merchants. Availability depends on region, compliance review and banking-partner approval. Enterprise Pay Gateway is not a bank.
FDIC-insured eligible accounts
Hold funds in financial accounts provided by our banking partner, with FDIC insurance eligibility through Stripe's partner bank.
Instant payouts, no bank delay
Money from sales lands in the same balance your cards spend from. Stop waiting one to three business days for every payout.
ACH and wire transfers
Pay vendors, landlords and suppliers by ACH or domestic wire straight from the platform, with every transfer logged.
One balance for everything
Sales, card spend, financing draws and payouts all live in one place, so reconciliation stops being a spreadsheet hunt.
Built for multi-location businesses
Separate sub-balances by location or brand entity, with central visibility and per-location controls.
Compliance handled by the bank
KYC, fraud monitoring and regulatory reporting run through our banking partner. We surface the account; the bank holds the funds.
What merchants use it for
- Hold reserves for tax season or slow months without opening another account
- Pay rent and suppliers by ACH the same day sales come in
- Issue staff cards that spend from the live balance
- Reconcile all money movement from a single dashboard
- Reduce reliance on a separate business checking account for day-to-day operations
Common questions
What is Treasury?
Treasury is an embedded finance account built into Enterprise Pay Gateway. It gives eligible merchants a single place to hold funds, send ACH and wires, receive payouts, and issue cards — all backed by our banking partner Stripe.
Is this a bank account?
It works like one, but it is provided by our banking partner Stripe under its financial-account programme. Funds are eligible for FDIC insurance through Stripe's partner bank, subject to programme terms. Enterprise Pay Gateway is not a bank.
Who can get access?
Treasury is being rolled out region by region as compliance and banking-partner review is completed. Merchants already taking payments through Enterprise Pay Gateway will be invited first. Joining the early access list puts you in line.
What can I do with it?
Hold funds inside the platform, receive payouts instantly instead of waiting for a bank transfer, send ACH and wire payments to vendors, fund staff cards from the same balance, and reconcile money-in and money-out in one dashboard.
How much does it cost?
Pricing will be published before any account is opened. There is no charge to join the early access list and no obligation when invitations go out.
How do I move up the list?
Create a free Enterprise Pay Gateway account, connect your payments profile and start taking payments. Treasury invitations are sent first to active merchants with live processing history.