#fintech
Explore financial technology innovations and digital banking solutions
Starting February 19, 2026, Visa+ stops working for PayPal and Venmo transfers and is replaced by direct phone-number payments rolling out November 2025. With the 1099-K threshold falling to $600 in 2026, freelancers must tag inter-app transfers correctly, reconcile gross versus net per platform, and separate business from personal flows to avoid double-counting income.
Mercury, Relay and Novo all offer $0 monthly fees — but they solve different problems. This 2026 guide compares Treasury yield, Profit First buckets, cash deposits, wires, and bookkeeping fit so you pick by workflow, not branding.
AI agents now check out on a customer's behalf over the same card rails, so an agentic sale books like any card sale — but the payout looks identical to a normal one unless you tag it. A merchant's guide to channel tags, gross-vs-net payout splits, storing intent and cart mandate IDs, daily reconciliation, and the product-data hygiene agents actually read.
Corporate card and expense platforms in 2026 now auto-match receipts via OCR, enforce spend controls at authorization, and sync to your books — with free tiers funded by interchange and paid plans at $5–$15 per user unlocking advanced approvals and ERP mapping.
PayPal's instant transfer fee rises from 0.99% to 1.50% on August 1, 2026 — a 51% increase. Learn what it costs on real invoice sizes, when instant is still worth it, and how to rebudget recurring invoices and book gross versus net correctly.
Xero will acquire Melio for $2.5B plus up to $500M earn-out; Melio processed $30B in payments with 80,000 customers — bundling bill pay into accounting software promises fewer logins and tighter approvals, but adds card fees and FX spreads that need separate bookkeeping.
Anthropic's Claude for Small Business and 10 finance agents (KYC, reconciliation) — 15 pre-built workflows, Intuit partnership, and what to automate first.
FV Bank launched a unified fintech platform June 18, 2026 — stablecoin settlement, digital asset custody, and programmable payments in one regulated US bank. Learn how USDT/USDC/PYUSD direct deposits work.
B2B buy now, pay later is moving from consumer checkout to supplier invoices. Learn how B2B BNPL on purchase orders works, what it costs vs. traditional terms, and the bookkeeping that keeps deferred payments visible.
The Fed's 2026 Small Business Credit Survey shows more firms turning to fintech and online lenders after bank declines. Learn why, what it costs, and the bookkeeping that keeps fintech APR visible before you sign.
Nuvei is buying Payoneer for $2.75 billion, merging two cross-border payout giants. Learn what it means for marketplace sellers, small exporters, FX fees, payout timing, and how to keep your payout reconciliation clean through the transition.
Fintechs like Mercury and Rho now offer treasury and sweep accounts yielding 3.7%-5.4% on idle business cash, but treasury balances are typically SIPC-insured up to $500,000 while sweep-network balances stay FDIC-insured — a distinction worth understanding before moving six figures.
