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All-in-one financial platform for modern businesses
Empower your business with banking1 , integrations, financial insights, automatic fee recovery and team management.

Ruby is a financial technology company, not a bank. Banking services provided by Partner Bank.

Comprehensive Banking1
Spend Management
Business Insights
Audits & Fee Recovery

Ruby offers a full suite of financial solutions

Our products

Corporate cards2

Issue cards and track spend.

Unified view of your business

Intelligent insights from finance and sales data.

Comprehensive banking1

Cards, expenses, accounting, and invoices in one.

Seamless invoice management

Manage and track all your invoices.

Accounts payable

Seamlessly manage all your vendor payments.

Granular spend management

Track and analyze your expenses.

Everything you'd expect and more

Automated chargeback resolution

Connect your commerce platforms in a few simple steps, and let Ruby automatically detect and resolve chargebacks, saving you time and money.

Vendor reimbursements

Ruby audits and recovers hidden and erroneous marketplace, shipping, and 3PL fees. Reinvest the reclaimed funds to fuel business growth.

Centralized financial insights

Stay data-driven with a comprehensive view of your business. Your sales, revenue, and financial data in one place for better insights and decision-making.

Embedded accounting

Seamless double-entry accounting system featuring integrated e-commerce connectors, in-depth financial reports, and total control over your ledgers.

Efficiency, speed, and savings woven into every business decision with Ruby

Growing businesses
Optimize your banking1 to put more time and money back into running your business.
Enterprise businesses

Streamline financial operations with powerful tools, enhancing efficiency and ensuring seamless transactions.

Get comprehensive banking¹ starting from $0

Open account

Built to match your business

Our solutions

E-commerce
Small Business
Enterprise

Seamlessly integrate with your business stack

Centralize your business operations and finance all in one place. Sync Ruby with your platforms in commerce, logistics, and finance.

Security

Safety and Security

Fraud Protection

Protect your account with built-in fraud monitoring to prevent unauthorized activity.

Account Security

Add an additional layer of security by enabling 2FA on your account.

Secure Data

Reliability and security at the core of your banking¹ experience.

Why switch from legacy banking to Ruby

Complete banking1 suite starting at $0
Real-time commerce and financial insights
Optimize with automated fee recovery tools
ACH at no cost
24/7 support

Partner with Ruby to streamline your business with advanced insights and tools