For businesses

Payroll, payables
and getting paid —
one account.

Pay a team across three countries, clear a spreadsheet of supplier invoices, and collect from customers in the currency they bank in — without a separate provider for each one.

Talk to sales

Free to open. We do have to verify the business before it can hold money — that is the slow part, and it only happens once.

Payroll run

September

Ready to approve

C$52,180.00

Funded from your CAD balance

14

People

3

Currencies

30 Sep

Pay date

Paid out in

CAD62%32,352
GBP24%12,523
USD14%7,305
Approve run

Nothing leaves the account until someone releases it.

USDUS Dollar
CADCanadian Dollar
GBPBritish Pound
EUREuro
JPYJapanese Yen
CNHChinese Yuan (Offshore)
AEDUAE Dirham
CHFSwiss Franc
SGDSingapore Dollar
AUDAustralian Dollar
USDTTether
USDCUSD Coin
BTCBitcoin
ETHEthereum
SOLSolana
Payroll

Pay the whole team, wherever they sit

Add people once, set a schedule, and each run pays them in the currency they are contracted in — to a bank account, or to a wallet in USDT, USDC or another supported asset. Runs are approved before anything leaves, and every person gets a payslip against the run they were paid in.

Set up payroll

People on payroll

14 active · 6 countries · bank and crypto

Add person
RMR. MensahEngineering · Toronto
6,400.00CAD · Active
AOA. OkaforDesign · Lagos
2,850.00GBP · Active
JSJ. SantosSupport · Manila
1,920.00USDT · Contractor
LBL. BauerFinance · Berlin
4,100.00EUR · Active
KNK. NairEngineering · Bengaluru
3,700.00USDC · Contractor
Showing 5 of 14

Pay runs

Monthly, last working day

30 Sep14 peopleC$52,180Scheduled
31 Aug14 peopleC$51,940Paid
31 Jul13 peopleC$48,600Paid
30 Jun13 peopleC$48,600Paid
Payslips generated per run
  • Employees, contractors, schedules and runs in one place
  • Bank and crypto payouts inside the same run
  • Approve before funds move; payslips generated after
Batch payments

One file, one approval, everyone paid

Upload a spreadsheet of payables and every row is validated before anything is sent. Anything missing a detail is flagged by name, so you fix four rows now instead of chasing a failed payment a day later.

Try a batch
september-payables.csv86 rows read · 85 ready · 1 needs attention
Rows checked86 / 86
Northwind SupplyINV-88414,200.00EUR
Kestrel LogisticsINV-88421,375.00GBP
Ardent MediaINV-88432,050.00USD
Fairmount PrintINV-8844860.00CAD
Vela PartnersINV-8845Missing IBANEUR
Orchard SystemsINV-88463,120.00USD

+ 80 more

Total to releaseC$61,400.00Fix 1 rowApprove all 85

1 approval

releases all 85, instead of eighty-five separate confirmations

4 currencies

in the same file, each paid from the balance that matches

Checked first

bad rows are named before anything sends, not after it fails

  • CSV import with per-row validation
  • Problem rows named before you approve
  • One approval releases the whole batch

Get paid the way your customers already pay

Four ways to receive, ordered by what it costs you to start — from details you can share this afternoon to an application you make once.

Nothing to set up

Local account details

Hold sort code and account number, or an IBAN, in the currencies you invoice in — so customers pay domestically instead of wiring internationally.

Learn more

Your GBP account details

Account nameHarbourline Studio Ltd
Sort code04-00-75
Account number•••• 4418

Share these like any other bank account.

Send a link

Ask, and track the answer

Send a request for a specific amount and watch it settle into the balance you chose, instead of emailing your account details around and waiting.

Learn more

Request INV-0412

Paid

£12,400.00

Settled to your GBP balance

Sent12 Sep
Paid14 Sep
Apply once

Take cards from your customers

Apply for card acceptance and settle into the same balances you already work from. Approval is its own step, separate from opening the account.

Learn more

Card acceptance

Business verified
Merchant application
Under review

Taking cards is an application, not a switch — approval is a separate step from opening the account.

On-chain

Receive stablecoins directly

Take USDC or USDT on the network the sender is already using. Deposits are detected and credited beside your cash in the same account.

Learn more

Deposits detected

AssetNetworkReceived
USDCSolana4,000.00
USDTTron (TRC-20)2,500.00

Credited beside your cash, not in a separate wallet app.

01/04

Payroll

Everyone paid on the same day

One run covers salaries in different currencies, on bank rails or in crypto, released together under a single approval.

Open a business account
Business insights

See where the money actually went

Paid out, received, fees and success rate across every currency you operate in — filtered by recipient, currency or date, and exportable as the same view you are looking at.

  • Activity across all currencies in one figure
  • Filter by recipient, currency or date range
  • Export the current view as CSV
See your numbers

This month

All currencies · CAD
C$412kPaid out
C$508kReceived
C$1.9kFees

Filter by currency, recipient or date, then export the same view as CSV.

Integrations

Plugs into what you already run on

Your books, your storefront and your card takings, reading from the same balances rather than three exports a month.

Accounting

Transfers, fees and conversions land in your ledger without a re-key.

  • QuickBooks
  • Xero
  • Sage

E-commerce

Take payment on your storefront and settle into the currency you hold.

  • Shopify
  • WooCommerce
  • BigCommerce

Merchant accounts

Apply once to accept cards, then settle into the same balances.

  • Card acceptance
  • Payment requests
  • REST API & webhooks

Not seeing yours? Zapier, Make, Slack, Google Sheets and a dozen others are in the app under Profile → Integrations — and if it is still missing, there is an API.

The parts a finance team asks about first

Who can do what, what needs a second pair of eyes, and what the record looks like afterwards.

Roles, not shared logins

Give finance, ops and directors their own access, so nobody is passing a password around to run a payment.

Approval before release

Payroll runs and batches sit in a queue until someone with authority releases them. Nothing moves on one click.

Cards with limits

Issue virtual cards to people or projects, cap what they can spend, and freeze one the moment it is questioned.

An exportable record

Every transfer, fee and conversion is written down and can be exported for your accountant or your auditor.

API and webhooks

Move payments from your own systems and get told when their status changes, instead of polling a dashboard.

Scheduled and recurring

Standing payments, direct debits and recurring runs, set once and left to happen on the dates you chose.

Getting started

Three steps, then you are trading

Business verification takes longer than a personal account because there are more people to check. It happens once.

1

Register the business

Company details, the people who own or control it, and the documents that back them up.

2

We verify it

Business verification runs once. You can add team members and set up recipients while it is in progress.

3

Open the accounts you need

Request local account details per currency, add your team, and run the first payroll or batch.

Questions we get asked

If yours is not here, ask us — a person will answer.

What can a Vaulltix business account actually do?

Hold balances in multiple currencies, run payroll, pay suppliers in batches from a spreadsheet, receive money through local account details, and see every movement in one place. Invoicing is in development and is not available yet.

Can one payroll run pay people in different currencies?

Yes. Each person is added with the currency they are contracted in, and a single run pays each of them in theirs, funded from the balances you hold. Runs wait for approval before any money leaves, and payslips are generated against the run afterwards.

Can we pay contractors in crypto?

Yes, and in the same run as everyone else. Each person is set to be paid either to a bank account or to a wallet, so a run can send euros to a bank in Berlin and USDT to a wallet in Manila at the same time. Supported assets are USDT, USDC, BTC, ETH and DAI, across Tron, Ethereum, Bitcoin, Polygon, BNB Smart Chain, Solana and Base. The wallet address is held against the person, so it is not re-entered every month.

What happens if a row in my batch file is wrong?

Every row is validated when the file is imported, before anything is sent. Rows missing a detail — an IBAN, a currency — are flagged by name so you can fix them first. One approval then releases the whole batch rather than each payment individually.

How do my customers pay me?

Three ways, depending on what suits them. You can share local account details in the currencies you invoice in, so they pay domestically rather than sending an international wire. You can send a payment request and track it. Or you can apply for a merchant account to accept cards.

Does it connect to my accounting software?

QuickBooks, Xero and Sage are the accounting integrations, alongside Shopify, WooCommerce and BigCommerce for e-commerce. Zapier, Make, Slack and Google Sheets are also available, and there is a REST API with webhooks if what you need is not on the list.

What do I need to open a business account?

Company details, the people who own or control the business, and documents that back them up. Verification happens once and takes longer than a personal account because there are more people to check. You can add team members and set up recipients while it is in progress.

Is Vaulltix a bank?

No. Vaulltix is a financial technology company registered as a Money Services Business with FINTRAC (Registration No. C100000392). Banking services are provided by licensed banking partners, and funds are held in segregated accounts with regulated financial institutions.

Put the whole thing in one place

Register the business, get verified once, and run payroll, payables and collections off the same balances. If you would rather talk it through first, that is fine too.

Business accounts | Vaulltix