Your Business Finance Simplified.

Artoh provides lightning-fast, effortless financial insights to help busy business owners save valuable time.

Artoh, Financial OS for Ecommerce
Who we work with
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Effortless Cash Management. Instant Insight in a Flash.

No more waiting on accountants or bookkeepers. Simply connect your bank accounts and let Artoh generate immediate, real-time cash flow insights and P&L reports. All in seconds — no delays, no fuss, no more spreadsheet nightmares.

Performance Snapshot imageMonth Profit & Loss image

Connect. Consolidate.
Catch It All in a Flash.

Consolidate all your financial accounts for an instant overview of your cash position, upcoming payouts, burn rate, and runway. Plug in, power up, and experience lightning-fast financial monitoring.

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Connect your bank accounts
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Get payout notifications
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Integrate Your Tools.
Simplify Your Back Office.

No more jumping between multiple platforms to track your progress. Link all your tools and get a complete view of your business performance.

Connect all your tools to Artoh

Connect to all your tools

Connect your tools - Shopify, Square, Amazon

Fee-Free Business Account.
No Hidden Fees. No Minimum.

Unlock the full potential of your business with Artoh's Fee-Free Business Account. Enjoy unbounded transactions, no minimum balance requirement, and absolute transparency— your business banking simplified, with zero compromises.

Virtual Cards

Swift issuance, robust security, and superior control at your fingertips.

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Open business accounts eligible for FDIC insurance up to $250K.

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Free Wire transfer

Artoh is a financial technology company, not a bank. Artoh partners with Stripe Payments Company for money transmission services and account services with funds held at Evolve Bank & Trust, Member FDIC. Artoh cards are issued by Celtic Bank.

Now all you need is Artoh.

Get all the features you need to run your business and save time on managing your finances. With Artoh, you can track your cash flow, connect to outside apps, get insights into company performance, and more - all from one convenient location.

All your financial accounts, all in one place

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Get notified for upcoming payout

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Monitor ROI across multiple ad platforms

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Manage multiple shops in one place

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Get Paid Faster

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Frequently Asked Questions

What's Artoh?
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Artoh is a financial technology company that offers various financial services and software specifically for E-commerce businesses in the United States.

Our mission at Artoh is to help E-commerce entrepreneurs and businesses take off to the next level by providing them with tailored financial solutions and services. We aim to make financial management simpler, quicker, and more streamlined.

With Artoh, you will access our full suite of financial solutions, including business accounts, virtual/physical cards, cash flow management tools, and performance monitoring tools.

*Artoh is a financial technology company, not a bank. Artoh partners with Stripe Payments Company for money transmission services and account services with funds held at Evolve Bank & Trust, Member FDIC.

How much does Artoh cost?
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Currently, you can use Artoh without any charge, but be aware that some features may come with a fee once the beta period ends.

How does Artoh make money?
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When you purchase with your Artoh-issued cards, the merchant is charged a fee by the credit card company. This fee is known as interchange, and Artoh receives a percentage of it. Our partner bank also earns interest on deposits related to these transactions, and Artoh receives a percentage of that as well. Also, certain features may have recurring fees in the future.

What do I need to apply for an account?
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In order to get started, you'll need the following:

  • A U.S. company with a federal EIN
  • Your company's official formation documents
  • A picture of your government ID (e.g., passport or driver's license)

Do I need to have a business entity to use Artoh?
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Yes. You need to have a U.S. company with a Federal EIN to use Artoh's products and services. We welcome most U.S.-based businesses, though our product is more tailored for Ecommerce companies. If your business frequently deals with physical cash, it might not be the best fit for you.

Prohibited business types

The businesses and business practices in the following categories are classified as prohibited and are therefore not eligible to use Treasury:

  • Mining
  • Adult Industry
  • Money services businesses
  • Stock promotion
  • Waste management
  • Arms trading—retail or manufacturing
  • Casinos or gaming
  • Cryptocurrency
  • Government, military, or public agencies
  • Marijuana services businesses

Are my deposits FDIC insured?
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Your accounts are eligible for FDIC Insurance up to $250K. Artoh works with Evolve Bank & Trust, Member FDIC, to store your deposits.

If I'm not in the United States or a resident, can I still open an account?
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Yes. We're more than happy to support companies based in the U.S. founded by entrepreneurs from all over the world—right from your laptop, without needing to visit the United States! Besides a few exceptions, of course.

At this time, we cannot open accounts for founders living in the following countries: Belarus, Burundi, Central African Republic, Congo, Democratic Republic of the Congo, Cuba, Iran, Iraq, North Korea, Lebanon, Liberia, Libya, Nicaragua, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Venezuela, Yemen, Zimbabwe.