Get paid faster.
Keep every dollar.
Cut the fees.
Send a payment link. Your customer pays straight from their bank. No chasing checks, no delays, and no high card network fees cutting into your job profit.
ACH, same-day wires, instant intrabank settlement, and a full business banking stack. Built for how you run jobs.
What You Get
Platform Capabilities
Everything you need to operate, monitor, and scale your business banking.
Money Movement
Transfer Methods
ACH Transfers
NACHA-compliant ACH with predictable business-day processing.
- Same-day available for eligible payments
- Processes on business days (Mon–Fri)
Intrabank Transfers
Transfer funds between eligible SkyFi accounts within the SkyFi network.
- Move funds within the SkyFi network
- Fast availability between eligible accounts
Domestic Wires
Send high-value payments through the Fedwire network.
- Built for high-value, time-sensitive payments
- Same-day processing before cutoff times
International Wires
Send payments to supported international destinations.
- Secure cross-border vendor payments
- Designed for global suppliers and partners
Issue business debit cards to your entire team
Connected directly to your SkyFi checking account. Set spend limits per card, freeze instantly, and get real-time alerts on every transaction — all from one dashboard.
- Custom spend limits per cardholder
- Instant spend alerts
- Instant card freeze and unfreeze
- Visa zero-liability protection
External Accounts
Link, Move, and Pay
Link external bank accounts and move money in either direction—push, pull, or pay bills from one dashboard.
Push Funds Out
Send money from your SkyFi account to any linked external bank account via ACH—ideal for payroll, vendor payments, or moving funds to other institutions.
- Initiate outbound ACH transfers on demand
- Schedule recurring pushes
Pull Funds In
Bring money into your SkyFi account from linked external accounts. Fund your account, consolidate balances, or top up ahead of outgoing payments.
- Inbound ACH debits from verified accounts
- Quick account funding on your schedule
Bill Pay
Pay vendors, utilities, and service providers directly from your SkyFi account. Simplify accounts payable without juggling multiple banking portals.
- Pay bills to any U.S.-based payee
- Track payment history and status
Account linking is powered by Plaid for instant verification. For banks outside the Plaid network, manual linking is available through support—all linked accounts go through ownership verification before any funds can move, and you can revoke access at any time.
Built for Business
Why SkyFi
Get paid faster.
Keep more margin.
Send a payment link, your customer pays straight from their bank, and the money lands in your account — no waiting, no surprises, and fees that won't eat into your margin on any job.
Keep more margin.
As low as 0.50% vs. 3%+ card fees
Customer selects Pay-by-Bank
No card, no check — direct from bank
Select your bank
Authenticated with your bank
Credentials never leave your bank
Payment received.
Bank-to-bank. Zero card markup.
~3%
Card network fee
0.50%
Pay-by-Bank
~90%
Margin saved
Your Business in Your Pocket
The SkyFi mobile app brings your entire operation to your palm. Send wires, ACH payments, and intrabank transfers, check balances, manage cards, and approve transactions from anywhere — on iOS and Android.
Domestic & International Wires
SkyFi supports both domestic and international wire transfers — a reliable, direct payment rail for large or time-sensitive payments, wherever they need to go.
Move Funds Without Added Fees
Move money between eligible SkyFi accounts with zero transaction fees and funds available instantly — or take advantage of significantly lower fees compared to traditional rails when sending externally.
Stop leaving money on the table.
Accept payments directly from any bank — same-day settlement, no card fees.
Deposits held at Grasshopper Bank, N.A., Member FDIC. View disclosure