NorthOne Business Banking
A mobile business bank account built for makers
Reap Pay
Business payments in your preferred currencies
Updated February 2026
| NorthOne Business Banking | Reap Pay | |
|---|---|---|
| Rating | 4.2★ | 5.0★ |
| Reviews | 19 | 3 |
| Pros | 14 | 9 |
| FactScore™ | 54.1 | 30.1 |
FactScore™ Comparison
FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.
Pros & Cons
Only in NorthOne Business Banking — Pros
Customer support Accounting software integration Envelope system Digital banking Fund separation Mobile app No hidden fees Personalized communication Bill pay feature Fast issue resolution Fee transparency High transaction limits Quick onboarding Real-time paymentsBoth tools — Pros
—Only in Reap Pay — Pros
Credit card payments Crypto payments Automated payment schedules Fast performance Employee credit cards Integration with Xero Multiple currency support Payment link invoicing Recurring paymentsOnly in NorthOne Business Banking — Cons
Questionable practices Transaction issues Account suspension Funds freezing Unhelpful support Account closure Envelope system Lack of integrationsBoth tools — Cons
—Only in Reap Pay — Cons
Trustworthiness concerns Customer service issues Unauthorized transactionsDetails
| NorthOne Business Banking | Reap Pay | |
|---|---|---|
| Categories | Online banking | Online banking, Payment processors, Money transfer |
| Platforms | Web · iOS | Web |
| Became Popular | September 4, 2019 | April 3, 2023 |
| Website | apps.apple.com | reap.global |
Who Should Pick Which?
Choose NorthOne Business Banking if...
- Customer support
- Accounting software integration
- Envelope system
Choose Reap Pay if...
- Credit card payments
- Crypto payments
- Automated payment schedules
With a FactScore™ of 54.1 vs 30.1, NorthOne Business Banking leads in community reception. NorthOne Business Banking uniquely offers Customer support and Accounting software integration, while Reap Pay stands out for Credit card payments and Crypto payments.
What Users Say
NorthOne Business Banking
Highly recommend North One to small business owners who need a feature-rich bank account
North One is a game changer. Well done team!
On Friday March 17th 2023 I was notified without any prior warning or notice that my business bank account had been suspended. My funds were frozen and I was locked out my account. I received an em...
Reap Pay
We have used REAP for 3-4 years for multiple startups ranging between 2 to 100 people. Depending on the scale there is great value you can get, which traditional credit card or finance services can...
I appreciate the variety of payment options offered, including card payments, ACH, and eChecks, which will undoubtedly help businesses reach a broader range of customers. The ability to automate pa...
Reap solved our main pain point when paying suppliers by providing as a very functional credit card, perfect for crypto-native businesses.
Related Comparisons
Frequently Asked Questions
Which is better, NorthOne Business Banking or Reap Pay?
Based on FactScore™, NorthOne Business Banking leads with a score of 54.1 vs 30.1. NorthOne Business Banking has a higher rating of 4.2★ compared to 5.0★.
What are the pros of NorthOne Business Banking compared to Reap Pay?
NorthOne Business Banking uniquely offers: Customer support, Accounting software integration, Envelope system, Digital banking, Fund separation.
What are the pros of Reap Pay compared to NorthOne Business Banking?
Reap Pay uniquely offers: Credit card payments, Crypto payments, Automated payment schedules, Fast performance, Employee credit cards.
Is NorthOne Business Banking better rated than Reap Pay?
NorthOne Business Banking is rated 4.2★ from 19 reviews. Reap Pay is rated 5.0★ from 3 reviews.
What is the FactScore™ of NorthOne Business Banking and Reap Pay?
FactScore™ weighs rating and review volume together. NorthOne Business Banking scores 54.1 and Reap Pay scores 30.1.
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