The financial operating system for US businesses
Run accounts, cards, payments, and expenses from one platform — with the control and visibility your business has never had from a bank.
For eligible US businesses. Some capabilities are rolling out — join early access.
Stop running your finances across five disconnected tools
Banking in one tab, corporate cards in another, spreadsheets for expenses, a separate invoicing tool, and no single view of cash. ZONIQX brings business finance together.
A business account designed around visibility
US account details for receiving funds, ACH and wire payments out, and a live view of money in and money out — so you always know where cash stands.
- US routing and account details for your business
- Send ACH and wire payments with team approvals
- Real-time balance and transaction visibility
- Statements and exports built for accountants
Cards your team can use — with controls you set
Issue virtual and physical cards to employees in seconds. Set limits by card, by category, or by team. Freeze instantly. Every swipe lands in your books categorized.
- Virtual cards for software, ads, and vendors
- Employee cards with per-card spending limits
- Freeze and unfreeze from the dashboard
- Category controls and real-time visibility
Control both directions of every dollar
From collecting customer payments to approving vendor payouts and employee spend — one system of record for money movement.
Accept customer payments with payment links and invoices, and settle into your ZONIQX account. Outbound vendor payments ride the same rails with approvals.
Learn moreCard transactions become structured expenses automatically — receipts, categories, budgets, and approvals, without the end-of-month spreadsheet chase.
Learn moreOwners, finance admins, approvers, and employees each see exactly what they should. High-risk actions support maker–checker approval by design.
How we secure itKnow what happened. Understand why. Know what to do next.
An intelligence layer over your real financial activity — cash-flow trends, anomaly alerts, spend insights, and forecasts. In development; not yet available.
Built for how your industry actually moves money
From restaurant groups running multiple locations to SaaS teams managing vendor sprawl — ZONIQX adapts to the financial shape of your business.
Location-level spend, supplier payments, and daily cash visibility across the group.
ExploreVendor cards, subscription control, and clean books that scale with headcount.
ExploreSettlement visibility, ad-spend cards with limits, and supplier payouts in one place.
ExploreClient-ready invoicing, partner controls, and clean expense separation.
ExploreEntity-level accounts and controlled disbursements across properties.
ExploreSegregated operating accounts and auditable spend for practices and groups.
ExploreFinancial-grade security, from the first line of code
Encryption in transit and at rest, mandatory strong authentication, role-based access, immutable audit trails, and least-privilege infrastructure — security is the architecture, not a feature.
TLS in transit, encryption at rest, secrets in managed vaults.
Every sensitive action recorded in tamper-evident audit trails.
Granular roles for teams; maker–checker for high-risk actions.
Built on regulated financial infrastructure partners.