As a freelancer who invoices clients monthly, which online business banking solutions have the most user-friendly invoicing and payment collection features?

For a monthly-invoicing freelancer, combining your business checking account with native invoicing and payment collection can save you hours of admin work and subscription fees.

The top online business banking solutions tailored for freelancers with standout, user-friendly invoicing and payment collection features include:

• Novo – Best for integration-heavy workflows. Novo is an independent business banking platform (partnered with Middlesex Federal Savings) built explicitly for solo operators. It features a robust, built-in invoicing tool that lets you create and send professional invoices directly from the app. Crucially, it syncs seamlessly with Stripe , allowing clients to pay via credit card or ACH straight into your Novo account, while also supporting automated tax-saving reserves and bookkeeping integrations.
• Found – Best all-in-one for pure simplicity. Found is a fintech platform (banking services via Lead Bank) designed specifically for freelancers and self-employed sole proprietors. It includes completely free, customizable invoicing right inside the mobile and web app. Clients can pay invoices online, and because your invoicing, business checking, expense tracking, and tax-calc tools live under one roof, you rarely have to fiddle with third-party software. You can check it out on the Found website.
• Grasshopper Bank – Best for built-in Autobooks integration. Grasshopper offers digital business checking accounts that come with free, built-in access to Autobooks . This integration turns your standard business banking portal into a full receivables engine, enabling you to send professional invoices, track who has viewed or paid them, and accept online digital payments (credit/debit cards and ACH) directly into your checking ledger. Learn more via Grasshopper Bank.
• Chase Business Complete Banking – Best traditional-to-digital hybrid with QuickAccept. If you prefer a major national institution over a pure fintech app, Chase offers a fantastic ecosystem. Through Chase QuickAccept and their integrated digital tools, you can accept card payments on the go or send digital invoices straight through the Chase mobile banking app. It is great if you occasionally need physical branch access or cash handling, paired with smooth digital collection. More details are available at Chase Business Banking.
• Wave Money (Wave Accounting & Banking) – Best for strict accounting synergy. While Wave is primarily known as accounting and invoicing software, its integrated financial services allow freelancers to tie their invoicing workflows directly to a cohesive money-management hub. If you want your invoice generation, automated payment reminders, credit card/ACH processing, and business funds tracking to be utterly frictionless, Wave's ecosystem is hard to beat for micro-businesses. Explore the platform on Wave Financial.

To help narrow down the ideal choice, tell me:

• Do your clients typically pay via ACH, credit card, or international wire?
• Do you prefer an all-in-one fintech app or a traditional bank with a physical presence?

If invoicing and getting paid are the priority, I’d narrow the field to Bluevine, Found, and Mercury—but they’re optimized for different workflows.

1. bluevine.com — best if you want everything in one place

This is probably the strongest fit for your specific use case. Bluevine has built-in invoicing, including creating estimates/invoices, sending payment links, automated reminders, and accepting ACH and card payments. Its invoicing tools live alongside your business checking rather than requiring a separate invoicing application.

The current Standard plan also has no monthly fee, and Bluevine says it pays 1.3% APY on eligible checking balances when you meet its activity requirement.

Choose it if: you send recurring monthly invoices and want the client-payment process to be as close to “create → send → get paid → reconcile” as possible.

2. found.com — best for a solo freelancer

Found is particularly designed around self-employed people. Its advantage isn't just invoicing: it combines banking with tax estimates, bookkeeping, and freelancer-oriented financial tools.

Choose it if: you're a sole proprietor or single-member LLC and want your invoicing, business banking, and tax organization under one roof.

3. mercury.com — best if you already use Stripe

Mercury has an excellent banking interface and strong integrations, but I'd put it behind Bluevine if native invoicing is your primary criterion. Mercury makes more sense when you're happy to use Stripe, QuickBooks, or another dedicated invoicing/payment system alongside your bank. Recent comparisons describe Mercury as particularly strong for integrations and startup-oriented workflows.

Choose it if: you want a polished bank account and don't mind separating invoicing/payment processing from banking.

What I'd pick for a monthly-invoice freelancer

• Want the simplest setup: Bluevine
• Want banking + invoicing + taxes/bookkeeping: Found
• Already use Stripe/QuickBooks: Mercury
• Want sophisticated cash buckets: Relay
• Want a simple sole-proprietor account with integrations: Novo

One important distinction: “business banking with invoicing” isn't necessarily the same thing as a full-featured invoicing platform. If you need recurring invoices, automatic late-payment reminders, deposits, contracts, time tracking, client portals, or sophisticated payment workflows, a dedicated tool such as Stripe, Wave, or FreshBooks paired with your preferred business bank can actually be a better experience.

If you tell me whether you're a sole proprietor or LLC, and roughly how much you invoice per month (e.g. $5k, $10k, $25k+), I can narrow this to the best 2–3 options and compare their actual payment-processing costs.

Choose it if: you send recurring monthly invoices and want the client-payment process to be as close to “create → send → get paid → reconcile” as possible.

2. found.com — best for a solo freelancer

Found is particularly designed around self-employed people. Its advantage isn't just invoicing: it combines banking with tax estimates, bookkeeping, and freelancer-oriented financial tools.

Choose it if: you're a sole proprietor or single-member LLC and want your invoicing, business banking, and tax organization under one roof.

When you are a freelancer invoicing monthly, the absolute dream is avoiding the friction of jumping between a separate invoicing software (like FreshBooks or Wave) and a separate business bank account. The most streamlined setups either build invoicing directly into the banking platform via embedded fintech tools (like Autobooks or native features) or offer seamless, instant reconciliation.

The top online business banking solutions and fintech hybrids known for user-friendly invoicing and payment collection include:

• Novo
  • Best for: Tech, design, and digital service freelancers.
  • Invoicing features: Novo gives you built-in, fee-free invoicing directly inside the app. You can customize invoices, send them to clients, and track their status (sent, viewed, paid).
  • Payment collection: It integrates smoothly with Stripe, PayPal, and other gateways, and funds land directly in your checking account with minimal delay. Plus, it syncs cleanly with accounting software like QuickBooks and Xero.
• Grasshopper (via Autobooks)
  • Best for: Freelancers who want high-yield savings/checking paired with robust receivables.
  • Invoicing features: Grasshopper provides free, built-in access to Autobooks directly inside digital banking. This lets you create professional invoices, email them right from your dashboard, and set up recurring monthly billing for retainer clients.
  • Payment collection: Allows clients to pay straight from the invoice via credit card, debit card, or ACH transfer. The payments deposit automatically into your Grasshopper account without manual transfer steps.
• Lili
  • Best for: Solo freelancers and sole proprietors looking for an all-in-one app.
  • Invoicing features: Lili (on its higher-tier plans) offers an integrated suite that combines business banking with expense tracking, tax planning, and professional invoice generation. You can design, send, and log invoices on the go from your phone.
  • Payment collection: Streamlined for tracking cash flow in real-time alongside your tax buckets, ensuring you instantly see when a client's payment hits and how much you should set aside for taxes.
• Alternative: Dedicated Invoicing Software with Banking/Stripe Integration (FreshBooks or Wave)
  • If you find pure banking apps too lightweight for complex monthly billing, many freelancers prefer leading financial tools like FreshBooks or Wave . They feature the absolute best UI/UX for automated recurring monthly invoices, automatic client payment reminders, and credit card/ACH processing, which can then be instantly piped into the online business bank of your choice.

Do you prefer an all-in-one banking app that handles the invoicing natively, or are you open to using a dedicated invoicing platform that connects to a separate checking account?

If your main workflow is “send a recurring monthly invoice → let the client pay online → have the money land in the business account,” I’d prioritize the invoicing/payment experience over general banking features.

My top picks

1. Novo — my first choice for a monthly-billing freelancer

Novo is particularly well matched to a freelancer who sends invoices regularly. Its strengths are built-in invoicing, payment links, Stripe integration, and a relatively uncluttered workflow. Recent comparisons specifically identify invoicing and payment links as Novo's standout features for solo operators.

The big advantage is that you don't need to turn your banking account into a mini accounting project. If you have, say, 5–15 clients that you invoice each month, Novo is probably the easiest place to start.

Best for: consultant, designer, developer, photographer, copywriter, coach, or other solo service business.

2. Mercury — best if you want a more sophisticated setup

Mercury is particularly attractive if you're an LLC or agency and expect your financial workflow to become more complicated. It has strong payment, accounting, integration and business-management capabilities, although it's more startup-oriented than freelancer-oriented.

I'd choose Mercury over Novo if you anticipate things like contractors, multiple people with cards, substantial balances, international payments, or more elaborate accounting integrations.

One caveat: Mercury isn't available to every business structure; sole proprietors are a significant eligibility consideration.

3. Found — excellent for a true solo freelancer

Found is designed around the freelancer rather than the startup. Its particularly attractive feature is that invoicing, banking, bookkeeping and tax-oriented tools live together.

If you'd otherwise be stitching together a bank account + invoicing app + tax software, Found can reduce that complexity.

4. Bluevine — choose it when the banking side matters too

Bluevine is less specifically invoice-centric than Novo, but it's compelling if you're going to leave substantial amounts of client revenue sitting in the account. Its Standard plan currently advertises 1.3% APY subject to an eligibility requirement, while paid tiers offer higher rates.

So if your choice is between:

“I want the easiest possible invoicing experience” I'd lean Novo.

If it's:

“I want good invoicing and I routinely keep $20k–$100k+ in the business account” I'd look harder at Bluevine.

5. Relay — great bank, less compelling for client invoicing

Relay shines at organizing business money: multiple checking accounts/buckets, spending controls, approvals and collaboration with bookkeepers. Its invoicing capabilities aren't its primary strength.

For a freelancer who simply needs to invoice clients and collect money, I'd pick Novo or Found first.

What I'd choose

For your particular workflow, I'd rank them:

🥇 Novo — easiest combination of invoicing + payment collection + banking 🥈 Mercury — best if you're an LLC/growing into an agency 🥉 Found — best all-in-one freelancer/tax/bookkeeping approach 4. Bluevine — strongest if earning interest on your operating cash is important 5. Relay — excellent cash management, but not my first choice for invoicing

One important distinction: “business banking with invoicing” doesn't necessarily mean the cheapest way for your clients to pay. ACH, card payments, Stripe processing, payment-link fees, and instant-payout fees can materially change the economics. For a freelancer collecting several thousand dollars per month, I'd compare those transaction costs alongside the UI.

If you tell me roughly how much you invoice per month, whether you're a sole proprietor or LLC, and whether clients usually pay by ACH or credit card, I can narrow this down to the best 2–3 options and compare the actual payment costs.

If your main pain point is sending the same invoices every month and getting clients to pay with minimal friction, I’d prioritize the banking platforms that have invoicing and payment collection built into the banking workflow—not just good checking accounts.

Based on current 2026 features, my shortlist is:

1. Mercury — best overall for monthly client billing

Mercury is probably my first choice if you're an LLC or corporation and want the smoothest end-to-end invoicing experience.

Its invoicing workflow lets you create professional invoices, accept multiple payment methods, track payment status, and handle recurring billing. Current comparisons specifically highlight its polished invoicing UI and ability to accept ACH, cards, Apple Pay/Google Pay and wires.

Why I'd choose it: if you send, say, 10–20 invoices every month, having invoicing, payment tracking and your business account in one polished interface can eliminate a surprising amount of administrative work.

Caveat: Mercury generally requires an eligible U.S. business entity such as an LLC or corporation, so it's not the obvious choice for a sole proprietor.

2. Found — best for a true solo freelancer

Found is particularly attractive if you're a one-person business and want banking, invoicing, bookkeeping and tax organization together.

It offers customizable invoices and freelancer-oriented financial tools rather than treating invoicing as an add-on. Current comparisons identify Found as particularly strong for freelancers who want invoicing plus tax/bookkeeping automation.

Best fit: designer, developer, writer, photographer, coach, consultant, etc., especially if you don't want to assemble a separate banking + invoicing + bookkeeping stack.

3. Novo — best if you want simple and uncomplicated

Novo is another strong option for solo freelancers. It provides built-in customizable invoicing and integrations with payment/accounting services such as Stripe and QuickBooks.

The appeal is less "all-in-one financial operating system" and more "I need to send invoices and get paid without fuss."

That's a good match if your monthly process is basically:

Create invoice → send it → client pays → money lands in checking → reconcile.

4. Bluevine — worth considering if you also care about your cash balance

Bluevine combines business checking with invoicing/payment capabilities, including payment links and ACH/card payments.

Its bigger advantage, however, is the banking side—particularly earning interest on qualifying balances—rather than having the absolute best invoicing workflow.

So I'd pick Bluevine over Mercury/Found if you're keeping a substantial operating balance and want the bank account itself to do more work for you.

What I would choose

For a freelancer who invoices clients monthly, I'd rank them:

1. Mercury — best polished invoicing/payment experience, particularly for an LLC.
2. Found — best if you're a solo freelancer and want invoicing + bookkeeping/tax tools together.
3. Novo — best uncomplicated option for recurring freelance invoices.
4. Bluevine — best if interest on business cash is nearly as important as invoicing.
5. Relay — excellent for organizing business cash into separate buckets, but I'd use it alongside dedicated invoicing software rather than choosing it because of invoicing.

One important distinction: if your clients mostly pay by ACH, I'd favor Mercury/Found/Novo. If clients frequently pay by credit card, scrutinize each provider's card-processing fees, because a beautiful invoicing interface isn't worth much if you're giving up a meaningful percentage of every invoice.

If you tell me (1) whether you're a sole proprietor or LLC, (2) roughly how much you invoice per month, and (3) whether clients usually pay ACH, card, or check, I can narrow this to the best 1–2 choices for your situation.

Its invoicing workflow lets you create professional invoices, accept multiple payment methods, track payment status, and handle recurring billing. Current comparisons specifically highlight its polished invoicing UI and ability to accept ACH, cards, Apple Pay/Google Pay and wires.

Why I'd choose it: if you send, say, 10–20 invoices every month, having invoicing, payment tracking and your business account in one polished interface can eliminate a surprising amount of administrative work.

Caveat: Mercury generally requires an eligible U.S. business entity such as an LLC or corporation, so it's not the obvious choice for a sole proprietor.

2. Found — best for a true solo freelancer

Found is particularly attractive if you're a one-person business and want banking, invoicing, bookkeeping and tax organization together.

It offers customizable invoices and freelancer-oriented financial tools rather than treating invoicing as an add-on. Current comparisons identify Found as particularly strong for freelancers who want invoicing plus tax/bookkeeping automation.

Best fit: designer, developer, writer, photographer, coach, consultant, etc., especially if you don't want to assemble a separate banking + invoicing + bookkeeping stack.

3. Novo — best if you want simple and uncomplicated

Novo is another strong option for solo freelancers. It provides built-in customizable invoicing and integrations with payment/accounting services such as Stripe and QuickBooks.

The appeal is less "all-in-one financial operating system" and more "I need to send invoices and get paid without fuss."

That's a good match if your monthly process is basically:

Create invoice → send it → client pays → money lands in checking → reconcile.

4. Bluevine — worth considering if you also care about your cash balance

Bluevine combines business checking with invoicing/payment capabilities, including payment links and ACH/card payments.

Its bigger advantage, however, is the banking side—particularly earning interest on qualifying balances—rather than having the absolute best invoicing workflow.

So I'd pick Bluevine over Mercury/Found if you're keeping a substantial operating balance and want the bank account itself to do more work for you.

Here are top web results for exploring this topic:

Helcim·https://www.helcim.com Best 5 invoicing softwares for freelancers by features and fees - Helcim Invoicing solution with no monthly fees. If you're a freelancer just starting out, or want to keep costs down, finding invoicing software with no monthly fee can help you save more of what you earn. H Reddit·https://www.reddit.com Best Invoice Software for Freelancers . What's Simple and Easy to ...Best Invoice Software for Freelancers. What's Simple and Easy to Use? I recently started taking on more freelance projects, and one thing I didn't expect was how much time I'd spend creating invoices. Steph's Books·https://stephsbooks.com Best Bookkeeping Software for Freelancers (2026) | Steph's Books Price: Free for accounting, invoicing, and receipt scanning. Payment processing: 2.9% + $0.60 per credit card transaction, 1% per ACH ($1 minimum). Wave is the only genuinely free bookkeeping software Jobbers·https://www.jobbers.io Best Invoicing Software for Freelancers 2026 — 12 Tools Tested ...Zoho Invoice remains a free product for a single user, making it one of the most feature-rich zero-cost invoicing tools available: multi-currency invoicing, tax configuration, client portals, and recu www.novo.co·https://www.novo.co/software/invoicing Best Invoicing Software for Small Business - Novo Does Novo Offer Free Invoicing? (Novo Invoices, Explained). Yes. Novo Invoices is included at no additional cost with every Novo business checking account — no monthly fee, no cap on invoices sent, an The Write Life·https://thewritelife.com 12 Invoicing Software Tools for Freelancers , Including Free Options Nice! The new FreshBooks also offers an invoice app for mobile, both iOS and Android, so self-employed professionals can run their businesses anytime, anywhere. They also have an excellent referral/af Bluevine·https://www.bluevine.com Best Invoicing Tools for Small Businesses in 2026 - Bluevine Providers like Bluevine, Square, Wave, and Zoho offer unlimited invoicing with no monthly fees, though payment processing fees apply. Integrated banking and invoicing platforms like Bluevine let you e Enrollsy·https://www.enrollsy.com Top 10 Invoicing Software for Small Businesses in 2025 - Enrollsy Zoho Invoice is part of the Zoho suite of business applications, known for its affordability and ease of use. The platform offers a range of invoicing features, including customizable templates, recur YouTube·https://www.youtube.com Best Invoicing Software | Top 2026 Pick for Small Business ...Best Invoicing Software: Discover top invoicing tools with easy templates, payment tracking, and seamless client billing for your business. Affiliate Links Included Get Invoice Simple ➜ https://bit.ly[](https://mercury.com/blog/best-invoicing-software-for-startups-small-businesses) Mercury·https://mercury.com Best invoicing software for startups and small businesses - Mercury Strong invoicing software automates billing, reduces follow-up friction, and makes incoming cash easier to track—while Mercury complements this with consolidated visibility across actual cash in and o

If your main requirement is “send a professional invoice every month and make it painless for clients to pay,” I’d narrow the field to Mercury, Novo, Found, and Bluevine. The best choice depends on whether you’re a sole proprietor or LLC and how much automation you want.

1. Mercury — my pick for recurring monthly retainers

Mercury's invoicing is unusually well integrated with the bank account. You can create invoices, track outstanding/overdue/paid invoices in one dashboard, send reminders, and accept ACH or wire payments. With Stripe connected, clients can also pay by card, Apple Pay, or Google Pay.

For your particular use case, the recurring-invoice capability is especially attractive: you can set up a recurring series rather than manually creating the same invoice every month. That feature is currently on Mercury's Pro plan.

Best if: you have several recurring clients and want banking + invoicing in one polished interface.

Caveat: Mercury requires an LLC/corporation rather than a sole proprietorship.

2. Novo — probably the easiest choice for a solo freelancer

Novo is particularly compelling if you're a sole proprietor. Its invoicing is included with business checking, with no additional invoicing fee or cap on invoices. It supports recurring invoices, automatic reminders, custom branding, payment-status tracking and mobile invoicing.

Clients can pay by ACH, while card and digital-wallet payments can be accepted through its Stripe, Square and PayPal integrations. ACH payments into Novo don't incur a receiving fee.

Best if: you're a one-person business and want something straightforward without paying for a separate invoicing app.

3. Found — excellent if taxes are as important as invoicing

Found is designed specifically around freelancer/solo-business workflows. It offers free customized invoices and lets clients pay by direct deposit, credit/debit card, or Cash App Pay. It also combines invoicing with bookkeeping and tax functionality.

So if your goal is more like “one app to run my freelance business” rather than simply “best invoicing,” Found deserves serious consideration.

Best if: you're a sole proprietor and want invoicing, expense tracking and tax organization together.

4. Bluevine — strongest if you want lots of ways for clients to pay

Bluevine has recently expanded its payment-collection tools. Its current offering includes unlimited branded invoicing, payment links, Tap to Pay and ACH direct debit. Its payment links are managed directly in the Bluevine dashboard.

That makes it particularly interesting if your clients aren't all paying in the same way—for example, some use ACH while others prefer cards.

Best if: you're evolving from freelancer toward a small service business and want broader payment acceptance.

My ranking for your situation

If I assume you're a typical freelancer sending 5–20 recurring invoices per month:

1. Mercury — best overall if you're an LLC/corp and recurring billing is central to your workflow.
2. Novo — best if you're a sole proprietor and want simple, inexpensive invoicing.
3. Found — best if you want invoicing bundled with tax/bookkeeping automation.
4. Bluevine — best if offering clients multiple payment methods is particularly important.

One important distinction: don't choose based solely on the banking account. For a freelancer, the payment-processing experience and fees can matter more than the checking account itself. ACH is generally much cheaper than card payments; for example, Mercury says ACH/wire/Mercury payments are free to receive, while card payments through Stripe carry Stripe's processing fee.

If you tell me (1) sole proprietor vs. LLC, (2) roughly how many clients you invoice monthly, and (3) whether clients usually pay by ACH or credit card, I can give you a much tighter Mercury vs. Novo vs. Found vs. Bluevine recommendation, including current fees.

For freelancers who invoice monthly, eliminating the friction between sending an invoice and seeing the cash land in your account is a massive quality-of-life win. Traditional banks usually require separate merchant processors, while modern financial technology platforms build these features directly into the checking dashboard.

The top online business banking and financial platforms optimized for user-friendly invoicing and payment collection include:

• Bluevine Business Checking — Features built-in, unlimited professional invoicing with customizable branding and secure payment links. Payment processing is powered by Stripe under the hood, meaning clients can pay via ACH or credit card directly from the invoice, and funds settle straight into your high-yield checking account with $0 monthly fees on their standard plan.
• Novo — Offers Novo Invoices completely free with your account, allowing you to generate, send, and track professional invoices with zero per-invoice platform fees. Novo shines for freelancers because of its deep integration ecosystem, allowing you to sync seamlessly with Stripe, PayPal, and major accounting software like QuickBooks or Xero.
• Chase Business Complete Banking — Best if you want the digital convenience of online invoicing combined with the backing of a traditional brick-and-mortar bank. Through Chase Payment Solutions , you can create and text/email digital invoices with secure payment links. A standout perk for monthly cash flow is same-day deposit access at no extra cost when clients pay via card.
• Lili — An all-in-one financial app built specifically for solo freelancers and sole proprietors. Lili combines business checking with unlimited invoice creation, expense tracking, and automatic tax-saving buckets, making it simple to track whether a client has viewed or paid your monthly bill without stitching together multiple apps.
• Rho or Grasshopper — Both utilize built-in Autobooks integrations directly within their digital banking dashboards. This lets you send professional invoices and accept digital payments (ACH and credit cards) straight from your primary operating account without needing an external gateway.

To help narrow down the ideal choice, let me know:

• Do your clients prefer paying via ACH bank transfer, credit card, or international wire?
• Are you looking for a purely digital experience or do you occasionally need physical branch/cash deposit access?

For freelancers who invoice monthly, combining your business checking account with a built-in or seamlessly integrated invoicing platform saves hours of manual reconciliation and reduces payment friction.

The top online business banking and fintech solutions stand out specifically for their user-friendly invoicing and payment collection features:

• Bluevine Business Checking — Best for fee-free invoicing tied to yield
  • Invoicing Features: Bluevine offers a completely free, built-in professional invoicing tool directly inside the banking dashboard. You can generate unlimited itemized invoices, add logos, set up recurring monthly invoices, and automate payment reminders.
  • Payment Collection: Clients can pay securely via online payment links using ACH transfers, debit, or credit cards. The major perk is that funds land right in your checking account, where eligible balances can simultaneously earn high-yield APY.
• Novo Business Checking — Best for ecosystem and integration flexibility
  • Invoicing Features: Novo allows you to create and customize digital invoices, track when they are viewed or paid, and send automated reminders from your phone or web dashboard.
  • Payment Collection: Rather than forcing a single payment processor, Novo shines by integrating natively with tools like Stripe, PayPal, Square , and Shopify . If your monthly clients prefer paying through Stripe or specialized gateways, Novo syncs those payouts and matches them smoothly to your ledger.
• Lili — Best all-in-one app for solo freelancers
  • Invoicing Features: Lili blends banking with light accounting and tax tracking. Its mobile app lets you build, dispatch, and monitor professional invoices on the go.
  • Payment Collection: It allows you to accept digital payments seamlessly, and a standout feature for monthly billers is its automatic tax-saving "buckets"—you can route a set percentage of every incoming client payment straight into a separate tax reserve automatically.
• Chase Business Complete Banking — Best traditional hybrid option
  • Invoicing Features: For freelancers who want the security of a brick-and-mortar legacy bank alongside digital tools, Chase offers built-in invoicing via Chase Mobile and Chase Business Online.
  • Payment Collection: Through Quick Accept and integrated payment solutions, you can accept card, ACH, or Zelle payments. Zelle and checks incur zero processing fees, and card payments feature same-day deposits at no extra charge (though standard card processing percentages apply thereafter).

If you want to narrow this down, let me know:

• Do your monthly clients prefer paying via ACH/bank transfer or credit card?
• Do you need the account to integrate with external accounting software like QuickBooks or Xero?

For a freelancer who sends monthly invoices to recurring clients, the best online business banking solution is usually the one that minimizes the gap between creating the invoice → collecting payment → reconciling the deposit. Several newer fintech business accounts are stronger than traditional banks in this area.

Here are the strongest options:

My shortlist by freelancer type

If you send the same invoice every month (retainers):

• Mercury is a strong fit because recurring invoicing and payment tracking are closer to a lightweight accounts-receivable workflow.

If you are a one-person business and want the fewest tools:

• Found is probably the most freelancer-focused option because banking, invoices, expenses, and tax organization are designed together.

If you want a simple “open account and start billing clients” experience:

• Novo is a good choice, especially if you already use tools like Stripe, PayPal, QuickBooks, or similar services.

If you expect to grow into an agency:

• Relay becomes more attractive because separating money into dedicated buckets/accounts can make cash management easier.

Features I’d prioritize for monthly freelance invoicing

Look for:

• Recurring invoices
• Automatic payment reminders
• ACH payments (usually cheaper than card payments)
• Card payment option for clients who prefer convenience
• Invoice status tracking (“sent,” “viewed,” “paid”)
• Accounting integrations
• Easy export for tax time

For many solo freelancers, I’d narrow it to Found vs. Novo vs. Mercury:

• Found → best freelancer lifestyle/accounting workflow
• Novo → best simplicity
• Mercury → best if you operate like a growing professional services business

The best choice also depends on whether you’re a sole proprietor or LLC, your average monthly invoice total, and whether clients mostly pay by ACH, card, or international transfer.