Free yourself from time-consuming tasks and expensive financial applications with Joust’s toolkit for banking and business management.
Free yourself from the fear of not getting paid with Joust's PayArmour.
Free yourself from the big banks that just don't get the freelance economy.
Secure and Smart Bank Account
Your Joust account is backed by a FDIC-insured community bank to provide all the security of conventional accounts with services designed specifically for freelancers. Download the Joust app and you can:
Set aside funds for tax payments automatically with custom savings goals.
Make unlimited transfers to and from your accounts.
Pay 5,000+ direct billers across the U.S. instantly using your biller's credentials
Stay safe with an FDIC-insured account that protects your deposits up to $250,000, or…
Manage your existing bank account by linking it to the Joust app.
Stop taking blows to your income. Don't waste time fighting for the money you've already earned. PayArmour protects you from the client that takes forever to pay...or never does at all. Download the Joust app and then decide which invoices you want to protect with PayArmour. This optional feature offers:
Joust-generated invoicing that makes payment simple for your client.
Immediate funding or a 30-day funding guarantee.
Joust makes it easy to get paid. We bundle a fully integrated merchant account with your Joust toolkit so small businesses are all set with the nuts and bolts of how money moves. Joust merchant accounts:
Accept all major debit and credit cards and bank payments from customers in nearly every country in the world.
Set yourself up the right way. We will walk you through incorporation - simply message us in the app and we will help you get started. It's a critical step in helping us protect you.
Form a C Corporation or Limited Liability Company (LLC) in Delaware or Wyoming
Obtain a U.S. Employer Identification Number (EIN) for tax purposes-
A plug-and-play integration with many critical tools.
Personal lines of credit
We are on a mission to make finances easier for independent professionals. We believe freelancers and entrepreneurs will drive the future economy. We are here to take care of the finances so you can focus on your business passion.
Join Joust Today!
Ratings and Reviews
Can’t login the recover link isn’t working at all! Lots of glitches need to be worked out.
High fees and currently low on functionality
Joust seems to offer a lot of potentially great features somewhere down the road, but not there yet. These features come at a fairly steep price in the form of %fees ranging from 1-3% plus additional financing fees if you choose to ‘advance’ a payment. If you don’t anticipate using the “Pay Armor” advanced funding, this just seems to offer me a basic Merchant account with a VERY rudimentary invoicing system and higher rates.
The ‘invoices’ don’t allow for customizing beyond client and amount, and can’t be canceled, edited or amended after sending. No where to specify Net terms, or even to add in a payment schedule. No personal branding / logo upload, or even sending clients a line-by-line invoice or PDF. When I asked about clients who might need to mail a physical check, their suggestion was to request an ACH. I can’t always tell my client’s accountants how to handle payment- why not provide functionality to allow for a variety of situations, like manually recording a payment? Checks are fee free. More ACH transactions = more fees to Joust’s bank 💸
ACH fees are 1%, which IMO should be lower if you’re also keeping your money in their bank and not accruing interest. I can’t find a place to request a physical debit card for the business account.
No timeline for expected feature rollout. cI’ll be sticking with my current merchant account’s $0.50 flat-rate fees for ACH payments and keep more of my money instead of giving it to this app in its current state.
With Family Sharing set up, up to six family members can use this app.
Get things done within this app using just your voice.