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Control spending before it happens.

Virtual cards with limits, approvals before money moves, ACH and wire payments, and books your accountant can close — in one place.

Horizn is a financial technology company, not a bank.

Everything the money side of the business needs

Payments that clear

ACH, wires and internal transfers from one screen — with the cutoff time shown before you send, not after.

Cards with real controls

Issue virtual cards per person, vendor or project. Set limits, freeze instantly, and see every authorization as it happens. Virtual cards are issued instantly; physical cards are not available yet.

Roles and approvals

Give your bookkeeper what they need and nothing more. Require a second pair of eyes above the dollar threshold you choose.

Books that reconcile

Every transaction carries its receipt, memo and category, so the month-end close stops being a scavenger hunt.

Accounts that fit the org

Separate operating, payroll and tax balances under one login — each with its own account and routing number.

We never hold your money

Horizn is the software layer. Deposit accounts will be provided by a chartered banking partner, named here before any account is opened.

Who it's for

Not a consumer app with an invoice tab bolted on. If your week involves payroll, vendors, cards and a bookkeeper, this was built for you — agencies, e-commerce, contractors, startups, wholesale and local retail.

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