Banking means services to accept payments, run accounts, grow savings, and send cross‑border transfers for startups, freelancers, couples, and crypto users.
Among top-reviewed banking tools, Stripe leads for SaaS and marketplaces needing developer-grade payments, subscriptions, invoicing, and global methods. Startup banks split: Mercury emphasizes API-first accounts, virtual cards, and treasury workflows, though some note closures and email-only support; Arc prioritizes rapid onboarding, high-yield cash management, and growth capital. Choose Stripe for payments infrastructure; Mercury/Arc for operating accounts, cards, and cash optimization.