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3 tools that solve a similar problem. Compare what each costs and what it covers.
Business banking with twenty checking accounts
Relay from $30 with a free tier gives twenty checking accounts for splitting money, banking around the payments rather than the payments alone.
Payroll for the first person you hire
Gusto runs actual payroll, tax withholding included, for the point where a regular helper becomes an employee rather than a contractor paid by transfer.
Hire an editor abroad without a company there
Deel handles paying and compliantly hiring someone in another country, which a simple bank transfer through Melio does not cover.