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Online Business Account | TEOLOGU Business
TEOLOGU Business Built for digital operations

The financial account for businesses built online.

Run your online business through one connected financial environment — from customer payments and online sales to expenses, invoices, cards, accounting and business analytics.

Online Payments Business Account Invoicing Business Cards Expenses Accounting Analytics Integrations API
Online Business Account
Incoming payments · 30d
€184,920.40
+12.4% vs previous period
Customer→ Payment→ Account→ Accounting→ Analytics
01 — Built for online business

Your business lives online. Your finances should too.

Modern businesses operate across websites, online stores, payment platforms, software, advertising networks, marketplaces and digital services. The Online Business Account brings the financial side of those activities into one connected TEOLOGU environment.

Websites & storefronts

Your own site, online store or digital platform, connected to the financial environment behind it.

Payment platforms & software

The tools that take payments, run subscriptions and keep the business operating day to day.

Advertising networks & marketplaces

Where customers are found and where sales happen, brought into the same financial view.

Designed for:

E-commerce businesses Online stores SaaS businesses Digital services Online agencies Subscription businesses Creators and digital businesses Marketplaces Online education businesses International digital businesses

The account is not defined by company size. It is defined by how the business operates.

02 — Everything connected

Connect the business behind your website.

TEOLOGU connects the different financial components of an online business — the storefront, the customers, the money coming in and the costs going out — inside one environment.

01

Website & Store

Connect the business website, online store or digital platform to the financial environment.

02

Customers

Receive payments, track transactions, manage payment activity and understand incoming revenue.

03

Payments

Accept online payments, create payment links, manage payment activity and support recurring payment workflows where available.

04

Invoices

Create and send invoices, track payment status and connect invoices with incoming funds.

05

Expenses

Track advertising, software, subscriptions, services, equipment and other business costs.

06

Cards

Use business, team, virtual and project cards for online and operational spending.

07

Accounting

Connect financial activity with accounting workflows and external accounting systems.

08

Analytics

Understand revenue, expenses, cash flow, payment activity and business trends.

03 — Online payments

Get paid wherever your customers are.

Online payment activity sits at the centre of the experience. Money arrives, is matched to the right source, flows into the account and continues into accounting and analytics.

Online payment collection
Payment links
Customer payment requests
Online checkout connections
Card payments
Bank-based payment methods
Recurring payments
Payment tracking
Refund management
Payment history
Payment reconciliation
International payment capabilities where supported
Payment activity Live
Store checkout · #48219
Card payment · Settled
+ €1,240.00
Subscription renewal
Recurring · Monthly
+ €89.00
Payment link · Invoice 1142
Bank payment · Matched
+ €3,600.00
Refund · #48104
Processed
− €150.00
Customer→ Online Payment→ TEOLOGU→ Business Account→ Accounting→ Analytics
04 — Online sales & revenue

Turn online activity into a clear financial picture.

A central view of your online revenue, so you can understand where your money is coming from without having to move between multiple systems.

Incoming payments
Sales-related transactions
Payment volume
Revenue tracking
Recurring revenue
Payment status
Refunds
Revenue trends
Revenue by period
Connected sales channels
Historical financial activity
05 — Business expenses

Keep digital spending under control.

Online businesses often have recurring digital costs across software, advertising, subscriptions and services. Track them alongside the money coming in, so spending stays visible.

Software subscriptions
Advertising spend
Digital services
Online purchases
Employee expenses
Business purchases
Recurring expenses
Project expenses
Reimbursements
Receipts
Expense categories
Digital costs This month
Advertising spend
Recurring · Campaigns
€4,820.00
Software subscriptions
14 active services
€1,164.00
Digital services
Agency & contractor fees
€2,300.00
Recurring expenses
Next period
€980.00
Cards→ Expenses→ Bank Feeds→ Accounting→ Analytics
06 — Online business cards

Cards designed for digital spending.

The TEOLOGU Business card ecosystem, with controls that match how an online business spends — software, campaigns, client work and day-to-day operations.

Business Card

For everyday business spending.

Team Card

For employees and team members.

Virtual Card

For online purchases, software and recurring digital services.

Project Card

For dedicated campaigns, projects or client work.

Controls include:

Spending limits
Transaction limits
Merchant categories
Online payments
Contactless
ATM access
International spending
Freeze and unfreeze
Team permissions
Card activity

Card Control is available as an optional Business tool for advanced management.

T[EOLOGU] Team
•••• •••• •••• 7741
Team Member · Operations
T[EOLOGU] Business
•••• •••• •••• 3594
Online Business Account

Virtual

Instant issue

Project

Per campaign

Team

Per member

07 — Invoicing & customer payments

From invoice to payment, in one flow.

The experience makes invoicing and receiving money feel like part of the same financial system — not two separate tools stitched together.

Create Invoice→ Send→ Customer Pays→ Payment Received→ Reconcile→ Accounting

Create invoices

Send invoices

Payment links

Payment requests

Track invoice status

Track payments

Match payments to invoices

Monitor outstanding invoices

Payment history

Customer records

08 — Connect your business software

Bring your business systems together.

Connect the Online Business Account with the external services used to operate an online business. TEOLOGU Connect and TEOLOGU Integrations can bring financial information and workflows together across the business.

E-commerce

Connect your online store and keep storefront sales tied to the account.

Accounting

Sync transactions and financial records with your accounting software.

Invoicing

Connect invoicing tools so issued invoices and payments stay linked.

Payroll

Bring payroll services into the same financial environment.

Expenses

Connect expense tools so business costs are tracked in one place.

Payments

Link the payment services your business uses to collect and send money.

Banking

Bring external bank accounts and balances into a single view.

Commerce

Connect commerce platforms and marketplace activity.

Business management

Link the systems that run day-to-day business operations.

Productivity

Connect workplace tools so workflows and finances stay aligned.

09 — Build with TEOLOGU

Build your online business directly into TEOLOGU.

The TEOLOGU Business API is a deeper way for businesses and software providers to connect. It is particularly useful for businesses that operate their own websites, platforms, applications or digital products.

Accounts API
Transactions API
Payments API
Invoices API
Expenses API
Cards API
Accounting API
Analytics API
Webhooks
Automation
Developer tools
Sandbox environment
business_api.js
// Retrieve online payment activity
const payments = await teologu.payments.list({
  account: "online_business",
  period: "last_30_days",
  status: "settled"
});

// Reconcile against issued invoices
await teologu.invoices.reconcile({
  payments: payments.data,
  autoMatch: true
});

// Push into accounting
await teologu.accounting.sync({
  ledger: "sales"
});
10 — Business analytics

Understand the numbers behind your online business.

Online financial activity brought into a central business view — so revenue, costs and cash flow can be read together rather than in isolation.

Revenue

Incoming and recurring income across channels.

Expenses

Digital costs, services and operational spending.

Cash flow

Money in and out across periods.

Payment activity

Volume, status and settlement behaviour.

Advertising spend

Campaign costs against results.

Software costs

Every recurring tool and service.

Recurring expenses

Predictable monthly commitments.

Profitability

Revenue against total cost base.

Trends

Direction of travel over time.

Business performance

A consolidated operating picture.

Budget vs actual

Planned against real spending.

Historical comparisons

Period-over-period analysis.

Analyse activity by

Channel Category Project Team Card Payment type Time period
11 — International online business

Built for businesses without borders.

Online businesses can operate across countries and serve customers internationally. The account is designed around that reality — while respecting the limits of each market.

International customer payments
Multiple currencies
International transfers
Cross-border business payments
International suppliers
Global business spending
Currency visibility
International transaction tracking

Availability

The availability of currencies, payment methods and international services depends on jurisdiction, regulatory permissions and supported providers.

12 — One online business environment

One business. One financial environment.

The Online Business Account is the central layer connecting the major financial activities of an online business — eliminating unnecessary separation between the business's online activity and its financial management.

Online Business Account → Online Payments → Receive Payments → Invoicing → Business Cards → Card Control → Expenses → Bank Feeds → Accounting → Analytics → Integrations → Connect → API
13 — Who it is for

Built around how you operate.

Online Stores

Manage payments, sales-related activity, expenses, cards and financial reporting.

SaaS & Subscription Businesses

Manage recurring payments, software costs, subscriptions and revenue activity.

Digital Services

Manage customers, invoices, payments, expenses and business finances.

Agencies

Separate client projects, team spending, expenses and payments.

Creators & Digital Businesses

Manage income, online payments, subscriptions and digital business expenses.

Growing Online Companies

Connect teams, payment systems, accounting, analytics and external business software.

14 — Free account + optional tools

Start with the account. Add what your business needs.

The Online Business Account provides the core business financial environment. Additional capabilities can be activated as optional paid tools.

Open the account.
Choose the tools.
Build your financial environment.

There is no requirement for a large bundled subscription. The account is the foundation — the rest is activated only when the business needs it.

Payments Accounting Bank Feeds Expenses Payroll Analytics Card Control Invoicing

Optional paid tools are added individually, so the financial environment matches the business rather than the other way around.

15 — Online business vs other accounts

Choose the experience that matches your business.

These are different experiences within TEOLOGU Business, designed around different operating models rather than simply different company sizes.

Business Account

Broad operations

For companies managing their broader business finances, operations, teams and financial workflows.

Operations Teams Workflows

Freelancer Account

Independent professionals

For independent professionals managing their personal and professional financial activity together.

Personal + professional Solo work

Online Business Account

Digital-first operations

For businesses whose sales, customers, payments and operations are primarily conducted online.

Online sales Customer payments Software costs Web platforms
16 — Security & control

Your online business, under your control.

Businesses should always have visibility over connected accounts, applications, people and financial activity.

Secure authentication

Account permissions

Payment controls

Card controls

Team permissions

Spending limits

Transaction monitoring

Activity history

Notifications

Fraud and security monitoring

Connection permissions

Integration management

17 — FAQ

Frequently asked questions

A business account experience designed specifically for businesses that operate primarily through websites, online stores, digital platforms and online customer relationships.

Yes. The standard Business Account focuses on the broader financial operations of a company, while Online Business is designed around digital sales, online payments, customers, software and internet-based business activity.

It can be designed for e-commerce businesses, SaaS companies, agencies, digital services, creators, subscription businesses and other businesses operating primarily online.

The platform should support connections to eligible websites, commerce platforms and external business systems where supported.

Online payment functionality can be offered through TEOLOGU Pay and supported payment services, subject to availability and applicable requirements.

Yes. The Online Business experience can connect to the TEOLOGU Business card ecosystem, including Business, Team, Virtual and Project Cards.

Yes, through supported integrations and TEOLOGU Connect.

Yes. TEOLOGU Business API is designed to provide programmatic access to eligible business financial data and workflows.

Important information

The TEOLOGU Online Business Account and its associated services are part of the TEOLOGU product vision and may be introduced progressively.

Availability of accounts, payment services, currencies, integrations, APIs, financial products and other functionality may vary by country, business type, regulatory permissions and supported providers.

Nothing on this page should be read as implying that TEOLOGU currently holds banking, payment, e-money, investment or other financial licences unless specifically confirmed for the relevant service and jurisdiction.

Where required, services may be provided through appropriately authorised entities or partners.

Build your business online. Run the finances in one place.

Connect payments, customers, cards, expenses, invoices, accounting and analytics through one financial environment designed for the digital business.

One financial environment for the digital business — payments, customers, cards, expenses, invoices, accounting and analytics connected in one place.