Easily open up to 100 accounts and earn 2% yield on cash.
Isolate the chaos of expenses away from your primary bank account and access powerful tools to control spending, eliminate fraud & errors, and automate back office work.
No personal guarantees or credit checks required.
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Isolate the chaos of expenses from primary bank accounts into virtual operating accounts
Earn 2% yield on cash in the accounts, calculated daily and paid out monthly
Easily open up to 100 accounts, one for every location and at the corporate level
Automatically maintain a minimum account balance with 1-2 weeks worth of spending
Transfer cash between your virtual operating accounts in real-time and at no cost, manually or with auto-transfer rules
Receive sales deposits into your operating account, earn yield, pay bills, and send excess cash to primary bank accounts
Access corporate cards, direct debits, vendor payments, accounting automation, and much more
Seamlessly manage operating cash flow across all locations in a single place
Easily connect your virtual operating accounts to your existing AP & payroll systems to enhance payments security
Getting fully set up with Tab virtual operating accounts takes just 30 minutes
We securely collect business information, link primary bank accounts, link accounting systems, invite your team, and walk through the platform.
With a single click, open an account with unique account & routing numbers that can be provided to vendors and linked to AP, payroll, and POS systems.
Set up auto-funding to maintain a minimum balance in the account, typically 1-2 weeks worth of expenses. You can also fund it via sales payouts from your POS into the account.
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Easily create cards and assign them to a vendor, an employee and a location. Set custom limits and start automatically reconciling receipts.
Easily migrate expense payments via card, direct debit, and ACH to your new operating accounts. Transactions are verified in real-time and flow right into your accounting software.
Unify every expense across all locations, vendors, and payment methods into one place.
Access the tools needed to maximize profitability & grow your restaurant business.
Tab works for restaurants of all types & sizes
Tab enables multi-unit restaurant groups to seamlessly segregate and control spending at scale. A single place for all location-level operating accounts, cards, accounting automations, and more.
Tab works with franchise restaurant groups to both enhance corporate-level spending and enhance the franchisee experience with branded cards.
Unlock unlimited 1% cash back on all spending with Tab corporate cards, eliminate painful manual back-office work, and gain control + visibility.
Enterprise restaurant groups work with Tab across a suite of products from corporate cards, back-office automation, internal money movement & treasury, and much more. Get in touch to learn more.
Book a call with a member of our team to learn more, get a walkthrough of our product, and if you'd like, get started with Tab.
Tab Commerce is a financial technology company providing the most secure way for restaurants to spend money. Get virtual operating accounts, modern corporate cards, and more - all secured with our payment verification.
Virtual operating accounts are business checking accounts but used specifically for the chaos of spending and operations. Virtual operating accounts isolate this chaos away from your primary bank, increasing security, simplifying expenses, and providing access to powerful embedded products to control spending and automate back office work.
Yes, you can hold a balance in the virtual operating accounts. Funds in the account will earn 2% APY, calculated daily and paid monthly.
Yes, accounts are eligible for FDIC insurance up to $250,000.
You can easily link your primary bank accounts and set up auto-funding to maintain a minimum balance. You can also receives sales payouts from your POS or delivery apps into the accounts via our Deposit Management product.
Each virtual operating account is equipped to receive daily revenue deposits from POS and other revenue systems. Once deposited, funds automatically start earning 2% yield, can be used for expense payments via cards, direct debit, or same-day ACH, moved internally instantly and for free, and excess cash can automatically be sent to a connect ed primary bank account.
This makes it incredibly easy for restaurants to manage cash flow alongside powerful tools to optimize sales, control costs, and get real-time cash flow visibility across every location in real-time.
Simply provide your virtual operating accounts routing & account number to your vendor, they'll do the rest.
With just 2-clicks, you can send a same-day ACH to any of your vendors. You can also pay with Tab corporate cards.
Get started in minutes with no credit checks or personal liability. The Tab Card works just like any other corporate card but with the benefits of powerful spend control software built just for restaurants.
Anywhere that Visa is accepted (most places). Most restaurant vendors accept cards, but some might only be available upon request.
You can create as many users as you would like. You can have Admins who can do everything across all locations and Employees who can only see the cards that you have assigned them. Managing this is incredibly easy from within the Tab Platform.
Keep your primary bank account, and link it right into Tab. It's good to separate the chaos of spending and operations away from where your savings and the bulk of your cash sits.
Each virtual operating account has a unique account & routing number. This information can easily be inputted into your POS, delivery apps, payroll systems, and any other revenue or expense source.
Tab corporate cards are secured, meaning the only limit is the amount of cash you have in the operating account associated with the card. Cash must be loaded into the account before a card transaction can occur.
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