Business accounts that don’t close on you.
Operating accounts, visible reserves, T+1 settlement and same-day payouts — so the revenue you process is revenue you can actually use.
Sainto is a financial technology company, not a bank. Banking services provided by [PARTNER BANK], Member FDIC.
Settlement on a schedule you can plan around.
- Day 0
Sale captured
Your customer pays. Authorization and capture happen on whichever acquirer approved the payment.
- T+1
Settled to your Sainto account
Funds from every acquirer land in one account the next business day, with fees shown line by line.
- Same day
Paid out wherever you need it
Move money to suppliers, affiliates, ad accounts or your own bank by ACH, wire or card.
Reserves on the record, not in the fine print.
If your account carries a reserve, you’ll know the rule, the balance and the date every dollar comes back — before you go live and every day after.
- Terms agreed before your first transaction
- Release schedule visible week by week
- Reviewed as your processing history builds
Pay out to anyone, the same day.
Suppliers, affiliates, contractors and ad accounts — at home and abroad.
Same-day ACH
Domestic payouts that land today when sent before the cutoff.
Domestic & global wires
Wire suppliers worldwide in [XX] currencies, with fees shown before you send.
Virtual cards
Cards for ad spend and software, each with its own limit and owner.
Batch payouts
Pay hundreds of affiliates at once from a CSV upload or the API.
Every dollar moves with a second pair of eyes.
- Approval rulesRequire two approvers above any amount you choose.
- Roles & permissionsDecide who can view, move or approve money.
- Two-factor on every loginPasskeys and authenticator apps, enforced team-wide.
- Full audit logEvery payout, rule change and login, recorded.