Built for owners who take payments with Square
Know where your cash is going. Before it’s gone.
Zyven connects your Square sales and your bank accounts, then tells you each morning what you really made, how many days of cash you have, and the one move worth making today. You stay in control of every dollar.
Read-only connections. Nothing is moved without your approval.
“Payroll was due Friday. The Square payout wasn’t landing until Monday. Zyven flagged the gap on Tuesday and drafted the move to cover it. I approved it and moved on with my day.”
Illustrative café owner, not a customer testimonial
The problem
Your bank balance tells you what happened. It never tells you what’s coming.
Square knows your sales. Your bank knows your balance. Neither knows about Friday's payroll, next week's rent, or the deposit that lands two days late. That is how a busy, profitable shop still gets caught short.
Running your business today
- Sales live in Square, cash lives in the bank, and bills live in your head.
- You find out about a tight week when a payment bounces or payroll lands early.
- Deposits arrive days after the sale, so the bank balance never tells the whole story.
- Fixing it means logging in to three places and doing the math yourself.
Running your business with Zyven
- One morning email: what you actually kept yesterday, after fees, refunds and expenses.
- A 90-day cash picture that shows the exact day money gets tight — before it happens.
- A drafted Money Move you can approve or dismiss in one tap. Nothing moves on its own.
- Plain-English answers about your own numbers, any time you ask.
How it works
Set up in minutes. Useful from the first morning.
- Step 1
Connect your sales and your bank
Sign in through Square's own screen and link your business accounts through your bank's secure connection (Plaid). Zyven asks for read-only access. It never needs your bank or Square password.
- Step 2
Zyven does the bookkeeping math
Sales, fees, refunds, payouts and everyday expenses are matched up automatically. Recurring bills like rent, payroll and loan payments are spotted from your history, and your recent months are filled in so you have real numbers right away.
- Step 3
Start each day from the brief
Every morning you get one clear read: yesterday's true profit, how many days of cash you have, and any Money Move waiting for your decision. Sign in whenever you want to dig deeper or ask a question.
Read the full walkthrough, including how provider access works
What you get
The questions every owner asks, answered before you ask them.
Daily profit brief
Yesterday's sales minus fees, refunds, cost of goods and operating expenses. One number you can trust, in your inbox before you open the doors.
Cash runway
How many days of cash you have at your current pace, the date you would dip below your safety floor, and every recurring bill coming up in the next 90 days.
Timing squeezes
When payroll or a big bill is due before your next payout lands, Zyven flags it days ahead — with the shortfall spelled out in dollars.
Money Moves
When cash is at risk, Zyven drafts one specific move: how much to set aside, where, and by when. You approve or dismiss. You make the transfer in your own bank.
Ask Zyven
“Will my payout land before payroll?” “How much of my cash is already spoken for?” Ask in plain English and get an answer built only from your verified figures.
Everything in one place
Profit, cash, upcoming bills and connected accounts on one screen. No spreadsheets, no exports, no month-end surprises.
Security and privacy
What you should expect from anything that reads your bank.
Zyven is in a controlled early-access phase. Provider connections currently run against Plaid and Square test (sandbox) environments; live financial data is enabled only for businesses admitted to the pilot in writing.
You sign in through Square and your bank, not through us
Connections use each provider's own login screen. Zyven never sees or stores your Square or bank passwords.
Read-only access
Zyven can read sales, deposits, balances and transactions. It cannot start payments, transfers or refunds.
Disconnect any time
Remove Square or a bank from your Integrations page whenever you like. Zyven stops reading that account and asks the provider to revoke its access.
Next step
Request early access for your business.
Creating an account gives you a working Zyven account in the founding cohort. We onboard early businesses in small groups and confirm in writing before any live Square or bank connection is enabled. Nothing is charged to request access. What the founding cohort includes