Accounts
A USD business account, plus balances in the currencies you use.
Business accounts, cards and payments
Business payments, with clear fees.
No SorenPay fee on US payments. Accounts, Visa cards and payments in one place, for your team and the AI agents that work for you.
SorenPaySampleUSD account
$248,320.50
SendAddCards
Activity
Northwind Supply Co.Bank transfer · fee $0.00−$12,400.00Paid
Payment inFrom Harbor & Co.+$8,200.00Pending
Team card ••4428Software · within limit−$45.00Paid
HomeCardsPaymentsTeam
- Accounts held with our US partner bank
- Every business and cardholder verified
- Card limits you set
One account for your business. Every fee shown before you send.
What you get
Accounts, payments and cards.
In one place.
One login instead of a bank, a card program and a payments app that don't talk to each other.
Payments
Pay US bank accounts from your balance, with no SorenPay fee.
Pay abroad
Cards and controls
Visa cards for your people and your AI agents, with limits you set.
Fees
Clear fees,
before you pay.
What SorenPay charges is on the screen before you confirm a payment.
- SorenPay fee on US payments
- $0
- Fixed SorenPay fee on wires abroad
- $0
- Exchange fee, on the quote before you send
- Up front
- Any part of the bank's wire fee not used
- Returned
Wires abroad: The bank's wire fee is included in the amount set aside. Anything not used comes back to your balance.
Details
Wires abroad: The bank's wire fee is included in the amount set aside. Anything not used comes back to your balance.
How a payment moves
Pay a supplier.
See every step.
- 01Pick who to pay
- 02See the fee first
- 03Paid, and on record
Your USD accountSample
$248,320.50$235,920.50
Sending $12,400.00
Northwind Supply Co.Bank transfer · ••6789
On its way Paid $12,400.00
SorenPay fee$0
The app
One login, no patchwork.Accounts, cards and payments,
without the patchwork.
Every balance, card and payment in one place. Each balance stays its own.
A USD business account with account and routing numbers, and a balance for each currency you use.
Every balance, one view
Sample🇺🇸 USD account · available
$248,320.50
Account ••4428Routing ••0021
EUREuro€48,920.00
GBPBritish pound£16,950.30
CADCanadian dollarC$9,400.00
Solutions
Built for businesses like yours.Built for businesses
that sell to the world.
Pay abroad
Global payments, rate up front.Global payments,
with the rate up front.
Add a recipient, see a firm rate and send.
Your accountGBP · LondonEUR · FrankfurtMXN · Mexico CityJPY · TokyoAUD · Sydney
Sample routes
Paying a supplier abroad
Sample- Recipient addedSupplier in Frankfurt
- Rate shownFirm rate before you send
- Sent€9,194.00 on its way, by international wire
Visa cards
Set the rules.
Watch every payment follow them.
Every payment is checked against the card's limits and allowed merchants before it's approved.
SorenPayVirtual
•••• •••• •••• 4242
Holder· Person
Marketing team
DebitVISA
- Per payment
- $500
- Per month
- $2,000
- Spent
- $1,200
Ad platforms only
Recent payments
- Meta AdsYesterday$420.00Approved
- LinkedIn AdsMon$260.00Approved
How a payment is checked
Google AdsMarketing card · sample$350.00
- Card is active
- Up to $500 a payment
- Merchant type allowed
- Merchant allowed
- $800 left this month
- Enough in the account
Sample cards and payments, checked with the same card rules as the product. No money moves.
Multi-currency
Hold the currencies you use.Hold and receive in the currencies you use.
A balance for each currency you use, in one account. Money in euros stays in euros. Which currencies you can hold depends on your account.
- Balances in many currenciesHold money in many currencies, each in its own balance, with account details to get paid where our partners issue them. Every balance, a USD one included, is kept apart from your USD business account.
- Convert between balancesLock a rate, see exactly what you'll get, then convert from one currency balance to another.
$USD
€EUR
£GBP
¥JPY
$CAD
$MXN
$AUD
AI agents
Let AI help with money, safely.
- 1Its own cardresearch-agent ••4821
- 2Limits you set$250 a payment · $2,000 a month
- 3Inside the limit: approvedCloud hosting · $84.20
- 4Outside it: declinedFlight booking · $612.00
Hosting$84.20
Flights$612.00
research-agent · decisionsSampleLimits$250 a payment · $2,000 a month
Cloud hostingWithin limit−$84.20Approved
Flight bookingOver the $250 limit$612.00Declined
Assistants like Claude and Cursor can read your account. They can't move money.
Connect an assistantYour AI assistant · connected to SorenPay (read-only)
How much can we spend this month, and which cards are frozen?
Checked your balance and cards in SorenPay
You have $12,480.50 available to spend. Cards have spent $2,314.00 so far this month.
One card is frozen: travel-agent, ending 0289.
Sample conversation. Assistants can look, not spend.
Developers
An API for code and agents.An API for your code, and your agents.
Give an agent its own card with limits in one call, or connect Claude, Cursor or another assistant to read your account. Docs written for people and agents.
curl -X POST https://sorenpay.com/api/cards \
-H "Authorization: Bearer $SOREN_API_KEY" \
-H "Content-Type: application/json" \
-H "Idempotency-Key: $(uuidgen)" \
-d '{
"holderKind": "agent",
"holderLabel": "research-agent",
"monthlyLimitUsdCents": 50000,
"perTxnLimitUsdCents": 5000,
"allowedMccs": ["7372"]
}'# 200 OK
{ "card": { "holderLabel": "research-agent", "state": "active", … } }
{ "card": { "holderLabel": "research-agent", "state": "active", … } }
Security and compliance
Verified once,
checked every time.
Every business is verified before its account opens, and everyone who gets a card is verified as a real person.
Personal accounts, too Coming soon
Your own account and card, kept apart from the business. A photo ID and a quick selfie check, done once.
Compliance
How we verify you
One sign-up flow. Each check is done by a regulated partner that specialises in it, and SorenPay doesn't keep copies of your ID documents.
Your business
We check the company, its documents and the people who own or control it before the account opens.
People who get cards
Anyone your business gives a card to is verified as a real person first.
Personal accountsComing soon
A photo ID and a quick selfie check, done once.
Ongoing checks
Accounts and payments are screened against sanctions lists.
FAQ
Questions,
answered.
Anything else? Write to hello@sorenpay.com.
Is SorenPay a bank?
No. SorenPay is a technology platform. Banking services are provided by our partner bank, Member FDIC, and cards are issued through an authorized Visa partner.
When can I open an account?
We're in private beta. Join the early-bird list and we'll email you as soon as sign-ups open.
Who is it for?
Businesses first: freelancers, agencies, online sellers, importers and teams. Personal accounts are coming soon.
How do AI agents spend safely?
Each agent gets its own key and its own Visa card, with limits per payment and per month and a list of where it can pay. Anything outside the limits is declined.
Can an AI assistant move my money?
Only if you allow it. Today, assistants like Claude and Cursor connect read-only: they can answer questions about your balances, activity and cards, but can't send money or change anything. Coming soon, you'll choose read or write access for each service, for example letting an assistant pay bills but not change your cards. For agentic payments now, give an AI agent its own key and its own Visa card: it pays only within the limits and merchants you set, anything outside them is declined, and you can freeze its card at any time.
Which currencies can I hold?
A USD business account, plus balances in other currencies where our partners issue account details. Which currencies you can hold depends on your account.
How do you verify customers?
We check every business, its documents and the people who own or control it before the account opens, and everyone who gets a card is verified as a real person. Accounts and payments are screened against sanctions lists.