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vs. HighBeam

OneCo vs. HighBeam

HighBeam is designed for e-commerce brands doing $5M+ in revenue. OneCo is built for every small business, with banking, payroll, accounting, taxes, insurance, and credit in one place.

No credit card required. Cancel anytime.

OneCo

  • Banking
  • Payroll
  • Accounting
  • Tax Filing
  • Insurance
  • Business Credit

From $199/mo

HighBeam

  • Banking
  • Payroll
  • Accounting
  • Taxes
  • Insurance
  • Credit

$0 + fees

6

Products in one platform

1

Monthly price, everything included

120

Hours saved per year on average

See every feature, side by side.

OneCo

From $199/mo

HighBeam

$0 + fees

Banking

Business Checking Account
High-Yield Savings
Cash Back Rewards
Programmable Debit Cards
No Monthly Fees

Payroll & People

Payroll Processing
Automatic Tax Filing
Direct Deposit

Financial Management

Bookkeeping & Accounting
AI Cash Flow Forecasting
Real-Time Financial Dashboard
Tax Filing

Insurance & Credit

Business Credit Monitoring
Business Insurance
Financing / Capital Access
~

Platform

Unified Back Office Dashboard
Single Monthly Price
Suitable for Non-E-Commerce
Mobile App

Why businesses switch from HighBeam to OneCo.

01

Built for every business, not just e-commerce

HighBeam targets brands doing $5M+ in revenue. OneCo is designed for businesses of every size and industry, from solo operators to growing teams.

02

Banking is just the start

HighBeam stops at banking and capital. After that you still need Gusto for payroll, QuickBooks for accounting, and a separate insurance broker. OneCo replaces all of them.

03

One price, no surprises

HighBeam charges fees on capital products, wire transfers, and add-ons. OneCo charges one monthly price based on your revenue. No hidden fees, no transaction charges.

I used to have QuickBooks, Gusto, and a separate bank account. Now I have OneCo. I wish I’d done this two years ago.

Sarah M., Boutique Owner, Miami FL

The math is simple.

OneCo

From $199/mo

Scales with your revenue. One price for everything.

  • Banking
  • Payroll
  • Accounting
  • Tax Filing
  • Insurance
  • Business Credit

HighBeam

$0 + fees

(+ additional tools required)

  • Banking (not included)
  • Payroll (not included)
  • Accounting (not included)
  • Taxes (not included)
  • Insurance (not included)
  • Credit (not included)

Common questions about switching.

OneCo offers competitive-yield business checking and savings accounts with no minimum balance. Our focus is your complete financial back office, not just yield optimization.

Yes. OneCo handles banking, expense management, and cash flow tracking, plus adds payroll, accounting, taxes, and insurance that HighBeam doesn't offer.

OneCo includes business credit monitoring and works with preferred lending partners to help you access financing. Revolving credit lines are on our roadmap.

HighBeam has no monthly fee but charges on capital products and wires. OneCo charges one flat monthly price starting at $199 that scales with your revenue, covering all products.

Ready to replace HighBeam?

Join thousands of small businesses that run their entire back office on OneCo. Get started in minutes.

Switch to OneCo

No credit card required. Cancel anytime.