Overview
Online banking, on your time
Your account's ready before you finish signing up.
No paperwork to mail, no waiting on approval.
Approve any transaction with just one tap.
Without switching or delays.
Send money in seconds, worldwide.
Wire funds in 32 currencies, with no hidden fees or exchange markups.
One login covers every account you've got.
Payroll, reserves, and operating cash, all in one place.
Capabilities
The app that watches your money for you
Spend visibility
See transactions the moment they happens, before it’s a surprise
Live transaction feed across every card
Instant push alerts on every charge
Spend breakdown by merchant and category
Anomalies flagged before they clear
Approval workflows
Approve spend in one tap, no matter where you are or what device you are on
One-tap approvals from any device
Custom limits by team or role
Multi-level approval chains
Full audit trail on every decision
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Fraud protection
Catch suspicious activity in real time, before a small issue becomes a big loss
Real-time fraud detection on every charge
Instant card freeze from your phone
Login alerts for every new device
Spending caps that adjust automatically
Trusted by 20,000+ teams
What customers are saying
96%
Tools replaced by Pivoter on average in our customers
"We had spend flying through three different tools before Pivoter. Now our CFO has a full view of company finances in one dashboard — and approval workflows run themselves."
Marcus Hill
Head of Finance, Series B
80%
Reduction in month-end close time on avarage
"We used to spend the first week of every quarter just reconciling accounts. With Pivoter, our books close in hours — and our finance team finally has time to do strategic work."
Sara Levin
CFO, Growth Stage
3x
Faster financial decisions after switching to Pivoter
"Pivoter gave our treasury team real-time visibility across every entity. We stopped running manual reports and started making decisions the same day the data moved."
Tomás Ortega
VP of Finance, Series C
Enterpeise ready
Finance in your pocket
Instant cards and smart controls from a single command center.
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99.9% uptime SLA
Guaranteed availability for your operations at all times, backed by a formal and enforceable SLA.
Dedicated support
A named account manager and dedicated priority support channel for every enterprise team.
SOC 2 type II
Third-party audit confirming security, availability, and confidentiality controls.
Single sign-on
Native SSO via your identity provider of choice. One login for every team member.
Get to know Pivoter
FAQs
Is Pivoter a licensed bank?
Pivoter is a financial technology company, not a bank. All banking services are provided by our partner banks, Members FDIC. Your funds are held in secure, segregated accounts and are insured up to $2M through our partner network.
How does real-time receipt matching work?
Our proprietary Receipt Magic engine uses OCR and AI to extract line-item data from photo uploads. The system then cross-references the merchant, date, and amount against your pending transactions to pair them in approximately 0.4 seconds.
Can I set custom limits for specific team members?
Yes. Every card—physical or virtual—comes with Programmable Logic. You can set daily, monthly, or merchant-specific caps. Any transaction that exceeds these pre-defined parameters is automatically declined at the point of sale.
Which accounting platforms do you support?
Pivoter offers native, bi-directional sync with Ledgerly, Equinox, and Apex ERP. Our API-first architecture also allows for custom CSV exports tailored to your specific General Ledger (GL) code requirements.
How are international transactions handled?
Pivoter utilizes global liquidity rails to offer transactions in 50+ currencies. We use the real-time mid-market exchange rate with zero markup fees, ensuring your international operations remain cost-effective and transparent.
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