Open Your Business Account Online

Business accounts, credit cards, expense management, P&L reports, Ad performance and Sales Analytics — one platform.

Artoh, Financial OS for Ecommerce
Who we work with
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Artoh gives you the power to take control of your finances, save money, and make more profit.

Business accounts on Steroids.

Unlock the power to scale smarter and faster with Artoh. With business accounts, cards, cash management tools, and performance monitoring all in one place, reach your venture's full potential faster than ever before!

Scale Faster with Virtual Cards

Create unlimited virtual cards to quickly scale your ad campaigns.

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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.

Visualize your cash flow.

Bring all your banks and payment processors into one place to check your cash balance, upcoming payouts, burn rate, and runway. Get instant access to P&L reports and ditch those messy spreadsheets for good!

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Connect your financial accounts
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Get payout notifications
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Discover Your Business’ Profitability at Lightning Speed

Simply connect your external bank accounts and generate your business P&L report in seconds. No more sifting through endless spreadsheets or reports - powerful profitability analysis at your fingertips.

Artoh - Generate Business Profit & Loss report in minutes. Generate a Cash-based profit & loss report instantly

Integrate Your Tools.
Simplify Your Back Office.

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

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Connect to all your shops

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Bring all your ad accounts into one place.

Monitor all your ad campaigns from one central location. This makes it easy to track your spending, see which campaigns are performing well, and adjust your budget accordingly.

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Accounting Automation.

Close your books in less than an hour, not weeks. All the transactions are sorted and ready to sync in real-time with your accounting software.


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Close the books
faster than ever

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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 small businesses in the United States.

Our mission at Artoh is to help small 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.