We are like Venmo, but for freelancers and independent contractors. We make it easy to pay for things without using cash or writing checks.

We are completely free to use. There are no fees.

Here’s an example of what you can do on Metcalfe:

  • Send someone money directly from your bank to soe elses
  • Create and track invoices to your customers
  • Pay invoices in just a couple clicks

All transactions are bank to bank and deposit next day.

As noted in the Metcalfe User Agreement, limits are subject to periodic review and may be changed based on your Metcalfe account history, activity, and other factors. Metcalfe retains sole discretion to apply and change limits. When you open a Metcalfe Account, and before your identity has been verified, a $5,000 weekly rolling limit is applied for sending transactions.

Sending: $5k per week

Receiving: No limit

Yes, we do not store your banking credentials. Nor do we store your money in digital balances. All transactions are bank to bank and encrypted and secure.

No, Metcalfe does not store a balance. We process transactions from bank to bank.

You can request cancellation of a payment by sending an email to support@metcalfe. However, once a payment has been verified and processed by Metcalfe, Metcalfe is not able to cancel that payment, so your cancellation request may not be honored.

The moment you send a payment in Metcalfe, the transaction is processed and funds are available to the recipient next day. If you sent a payment to another user with a similar name, as a first step, send that user a Request for the same amount of the payment so they can pay you back.

You should include a memo asking them to pay you back for the money you sent by mistake, and once they accept the request the payment will be added to your bank account.

If you don’t hear back from them or need help sending a charge request, contact our support team and we’ll do our best to help. While we cannot guarantee we’ll be able to help recover the money, if you reach out to us, we can provide any available options.

When you contact us, please be sure to include the following details to expedite the process:

  • Email and phone number of the person that you sent the funds to
  • Amount of the payment
  • Date of the payment

If you receive a payment from someone that you don't know, you can simply send a payment back to the other user with a memo explaining that they paid the wrong person. You're also welcome to contact us to have us reverse the other person's payment back to them for you.

When you initiate a transfer out of your linked bank account, expect it to leave your account that same day and arrive in the recipient's bank account the next day. However, we review account and transaction activity at various times. This review checks for, among other things, suspicious or illegal activity, and whether your account activity and the activity of users with whom you’ve transacted comply with the Metcalfe User Agreement.

Review may result in:

  • delayed, blocked or canceled transfers;
  • funds being held by Metcalfe;
  • funds being applied to offset loss incurred by Metcalfe;
  • account suspension or termination;
  • funds being seized to comply with a court order,
  • warrant or other legal process; and/or
  • funds you previously received being reversed (i.e., sent back to the sender’s bank account that was used to fund the payment).

Yes. Metcalfe processes transactions directly between banks.

Nobody at Metcalfe will ever contact you to request a password or verification code to your account. If you have any questions or concerns about security, send an email to support@metcalfe.fund.

We use encryption to help protect your account information and monitor your account activity to help identify unauthorized transactions. If you suspect that your account shows unauthorized activity, contact us at support@metcalfe.fund.

You can cancel your Metcalfe account by emailing us at support@metcalfe.fund.

Please provide your full name and bank account name.

Yes, all transactions on Metcalfe are private by default.