Managing business finances requires more than just watching the bottom line—it’s about having the tools and support to address today’s needs while preparing for tomorrow’s opportunities. With 360 Payments, you get a powerful pair of solutions: the 360 Spend Card¹ and the 360 Cash Account.¹ These two offerings work seamlessly together to help you optimize cash flow, maximize savings, and take the guesswork out of financial planning.

Discover how this dynamic combination can make a meaningful difference in how your business manages both spending and saving.

Flexible Spending Power with the 360 Spend Card

The 360 Spend Card¹ is more than just a payment method—it’s a business financing tool designed to provide you with working capital precisely when you need it. This flexibility empowers you to manage purchases, cover operational expenses, and seize new opportunities without the stress of traditional credit barriers.

Key Benefits

• Access to Credit - Unlock up to one month of sales in credit, so you never miss out on time-sensitive business needs. You choose between physical and virtual cards, giving you flexibility to spend where it matters most.
• No Credit Checks- Eligibility is based on your business sales, not your personal credit score.¹ No credit checks mean you can maintain financial health and protect your credit standing.
• Flexible Repayment Without Compound Interest - Choose to pay your balance in full within seven days of statement closing to avoid fees or repay gradually as a percentage of future sales—with one simple, transparent fee³ and no compound interest. This ensures you stay in control of your financial commitments.
• 1% Cashback² - Earn rewards as you spend, returning value directly to your bottom line with every eligible purchase.
  

The 360 Spend Card¹ gives you practical financial agility, so you can move your business forward with confidence and convenience.

Grow Your Savings with the 360 Cash Account

While managing spending is essential, building a financial cushion is equally important. The 360 Cash Account¹ brings together robust savings features that help your business grow its reserves—automatically, securely, and at a rate that sets you ahead.

Key Benefits

• Earn More, Faster - Grow your savings with a competitive interest rate, helping you set aside funds for taxes, emergencies, or planned investments far more efficiently than a typical business bank account.
• Safety and Peace of Mind - Your funds are FDIC-insured¹ up to $250,000 through our partner bank,¹ giving you reliable protection for your capital.
• Effortless, Purpose-Driven Saving - Organize your financial reserves and watch your money work harder for you, all without manual intervention. Saving becomes a seamless part of your business routine.
  
  

The 360 Cash Account¹ is your partner for building a more secure future—complementing your agile spending power with a disciplined, rewarding way to save.

Optimize Your Financial Strategy: A Smarter Way to Manage It All

The combined power of the 360 Spend Card¹ and 360 Cash Account¹ means your business isn’t just managing cash flow or saving for the future—it’s excelling at both. Use the Spend Card¹ for responsible, flexible access to the capital you need to grow, then channel profits and spare funds into the Cash Account¹ to build a reliable safety net and unlock better returns.

Together, these tools simplify decision-making, increase your financial security, and help you reach your goals faster. Transparent, easy to use, and free from unnecessary roadblocks, they empower you to take charge of your business finances with absolute confidence.

Take the Next Step Toward Financial Confidence

360 Payments is committed to giving businesses like yours the clarity, control, and flexibility to thrive. By integrating the 360 Spend Card¹ and 360 Cash Account¹ into your financial strategy, you’ll gain a practical advantage—spending smarter and saving stronger, every step of the way.

Ready to experience a better way to manage your business finances? Contact 360 Payments to get started and unlock new potential for your business today.

¹ “360 Spend Card" ("Spend Card")—collectively and interchangeably used herein. "360 Cash Account" ("Cash Account")—collectively and interchangeably used herein. Parafin is a financial technology company, not a bank. Cash Account and banking services provided by Column N.A. ("Column"), Member FDIC. Parafin is not an FDIC-insured depository institution. FDIC deposit insurance covers the failure of an insured depository institution. Deposits in Cash Accounts are eligible for FDIC insurance up to $250,000 per depositor, for each insurable capacity in which the account is held. Spend Cards are issued by Column, pursuant to a license from Visa U.S.A. Inc. Spend Cards are powered by Marqeta. Approval is not guaranteed and is subject to checks. Terms and conditions apply. See here for more information regarding the Spend Card and here for more information regarding the Cash Account.

² Card purchases may be eligible for cashback. See the Rewards Agreement for more information.

³ If the full statement balance for a given statement period is unable to be collected by the end of the grace period (i.e., 7 calendar days after the statement period ends), the full statement balance will be rolled over into your pay-over-time balance along with a statement fee of 11%-16% of the statement balance. For more information, please see your Spend Card Agreement.