Is Finli right for my business?
Who can use Finli to accept payments, what you need to get approved and the kinds of businesses Finli serves best.
Finli is built for small businesses that send invoices and collect payments, especially service businesses with repeat customers.
What you need to accept payments
To collect payments through Finli (or your bank's version of it), you need to:
- Be a business. That includes sole proprietors, freelancers and partnerships, not only incorporated companies.
- Have a U.S. bank account. Payments settle to a U.S. dollar bank account that can receive ACH (bank-to-bank) transfers. Nearly every U.S. checking account can.
- Pass business verification. We verify you and your business before turning on digital payments. See Set up your business account.
- Not be a prohibited business. Some business types can't be supported. See Prohibited businesses.
Customers outside the U.S.
Your customers don't have to be in the United States. To pay you, they need either a U.S. bank account that accepts ACH transfers or a credit or debit card your business accepts.
Businesses that use Finli
Finli works well for any business that wants digital invoicing, payment collection, customer records and customer messages in one place. Common examples include:
- Freelancers and creators
- Fitness and wellness, such as martial arts schools and coaches
- Schools and tutors, such as music, dance and after-school programs
- Pet care, such as dog walkers and groomers
- Professional services, such as bookkeepers and accountants
- Home services and landscaping
Don't see your type of business? Email us and we'll tell you whether Finli is a fit.
Need help? Email support@finli.com.
Updated October 22, 2026