All-in-one financial platform for a new small business
Amounts last verified on August 30th 2026
Michel Myara is co-founder and product designer at looch, where he designs the ecosystem small businesses use to get paid and manage spend while keeping penny-perfect books.
Updated August 2026
No platform covers every job, so decide which ones you refuse to split
A new business needs an entity, a place to hold money, cards, a way to accept customer payments, and books that stay current. “All-in-one” often covers only part of that stack.
- Novo, Bluevine Standard, Found, and Relay Starter each publish a $0/month account. Lili starts at $0, but puts its accounting behind $35/month.
- Card acceptance clusters around 2.9% for Novo via Stripe, Found via Stripe, and Relay. Bluevine also lists 2.9% online, while looch lists 3.3%.
- Found and looch keep bookkeeping in the app. The others connect to QuickBooks or Xero.
- QuickBooks Online lists Simple Start at $38/month. Essentials, Plus, and Advanced increased for later renewals.
- Formation is the gap almost every platform leaves open. Of the platforms here, only looch forms the company.
The useful question is not which platform is “best.” It’s which jobs you refuse to run in separate tools. Every product here is complete on some axes and empty on others, so this page maps them against the same set of jobs using figures from each provider’s own pricing page.
What each platform actually covers
| Platform | Forms the entity | Account | Issues cards | Accepts customer payments | Bookkeeping | Entry price |
|---|---|---|---|---|---|---|
| Novo | No | Yes | Debit and credit | Via Stripe, Square, PayPal | Syncs, 40+ tools | $0/month |
| Bluevine | No | Yes | Debit | Native, online and in person | Syncs QuickBooks | $0/month |
| Found | No | Yes | Debit only | Via Stripe | In-app, incl. tax forms | $0/month |
| Lili | No | Yes | Debit only | Via Stripe | In-app, paid tiers only | $0/month |
| Relay | No | Yes | Debit and credit | Online only | Syncs QuickBooks, Xero | $0/month |
| QuickBooks | No | Yes, via Green Dot | Debit | Native | In-app, the incumbent | $38/month |
| looch | Yes | Yes | Smartcards | Native, online and in person | In-app, real time | $249 once, no monthly account fee |
The asterisks that matter more than the table
Novo publishes “No monthly fees. No minimums. No transaction limits,” with unlimited free invoicing. Its payment acceptance runs through other providers’ rails, letting customers pay by credit card, debit card, Apple Pay, Google Pay, or Venmo through Novo’s Stripe or Square connections. Novo says it adds no markup to the pass-through rate. Its books sync with business tools including Stripe, QuickBooks, Shopify, Square, and Xero. Source: Novo.
Bluevine has the strongest native acceptance offering in this group. Customers can pay by card or digital wallet directly into a Bluevine Business Checking account, including through Tap to Pay on a phone. Published rates are 2.9% online, 2.7% in person, 3.4% for a card on file, and 1% for bank payments. Bluevine Plus costs $30/month, and its waiver requires both an average daily balance of at least $20,000 across checking and sub-accounts and at least $2,000 in card spend during the billing period. A new business will generally meet neither condition. Source: Bluevine.
Found offers the most substantial bookkeeping on a free tier: Expense categorization, profit and loss reporting, tax estimates, generated Schedule C and corporate tax forms, and unlimited free invoicing. Payment acceptance runs through Stripe at 2.9%, and its cards are debit only. Source: Found pricing.
Lili has the sharpest all-in-one limitation in this group. Its invoicing page says that accounting, tax preparation, and invoicing software are available only to Lili Smart and Lili Premium account holders, with applicable monthly account fees. A business on the $0 or $15/month tier doesn’t get that all-in-one layer. Source: Lili.
Relay stands out for team controls. It offers unlimited users and debit and credit cards on every plan, including the free plan. Its acceptance is online only, with no in-person or tap to pay option. Card acceptance is 2.9%, while pay by bank costs 1%, 0.75%, or 0.50% depending on the tier, capped at $10. Passing card fees to customers is available on paid tiers. Our looch vs Relay comparison goes deeper. Source: Relay pricing.
QuickBooks is the accounting incumbent that added a business account, rather than the reverse. QuickBooks Checking is free to open, with no monthly fees or minimum balances, and QuickBooks Payments charges 2.99% on invoiced card payments and 1% for bank payments. The accounting product is the deepest in this group. Our looch vs QuickBooks comparison covers the trade. Source: QuickBooks pricing.
looch is the only platform in the table that forms the entity. looch Start costs $249 all-in, including the state filing fee, EIN, and first year of registered agent service. From there, onboarding continues into no-fee business accounts with account and routing numbers, Smartcards, payment acceptance, and real-time accounting, where every charge is tagged and categorized when it posts.
looch also has clear trade-offs. Card acceptance is 3.3% online and 3% in person, above the 2.9% cluster, so a card-heavy business paying by card alone will pay more per transaction at looch than at Novo, Found, or Relay. Instant pay by bank costs 1%, capped at $10, which can change the math on larger payments. looch is iOS only, with Android published as coming soon. Payroll is also published as coming soon and is not live. looch is not a bank. Simplicity Fintech Inc partners with Stripe, funds are held at Fifth Third Bank N.A., Member FDIC, and eligible accounts can receive FDIC pass-through insurance up to $250,000¹ when requirements are met. Source: looch pricing.
When a stack beats a bundle
A bundle reduces setup work and keeps the ledger in one place. But a stack can be the better operating choice when you need more depth in a specific part of the business.
| Stack piece | Typical choice | Published cost |
|---|---|---|
| Formation | LegalZoom or ZenBusiness at $0 plus state fees, or Stripe Atlas at $500 | $0 to $500 once |
| Bank account | Novo, Found or Relay Starter | $0/month |
| Accepting payments | Stripe standard | 2.9% + 30¢, no monthly fee |
| Bookkeeping | QuickBooks Simple Start | $38/month |
That’s roughly a $38/month fixed floor, everything else variable. Choose the stack when:
- You need the strongest tool for a specific job. Deep inventory or multi-entity accounting can justify a dedicated ledger, while a dedicated processor may offer rates and features a bundled acceptance product does not match at volume.
- Your accountant already works in QuickBooks or Xero. Moving their workflow is rarely worth a small saving, especially when the other tools can sync to the ledger they already use.
- You want to replace one tool without moving your funds. With separate vendors, you can change a processor without changing your business account.
- Most of your volume is on cards. At sufficient scale, negotiated processing can beat published rates, including looch’s.
Choose the bundle when daily administration is the real cost. If matching a bank feed, processor activity, and a separate ledger is taking over your week, one categorized system can be worth more than a lower fixed floor. The same is true if you haven’t incorporated yet and want the entity, accounts, and books set up together. If your question is whether you need help with the books, read do you really need a bookkeeper. If you’re comparing apps that handle formation and banking together, see company formation and banking in one app.
