“Can a fee-free invoicing platform become the all-in-one financial OS for freelancers and small businesses by layering cash flow financing, bill pay, and banking tools on top of payments?”
Hopscotch launched as a fee-free payments and invoicing platform targeting freelancers and small businesses, differentiating on instant, zero-cost ACH payments. The company expanded into embedded finance by launching Hopscotch Flow, an AR-based invoice financing product that gives SMBs immediate working capital without a credit check. In 2024, Hopscotch joined Avalara, the tax compliance giant, suggesting it was acquired or integrated into the broader Avalara ecosystem to complement Avalara's SMB financial workflow tooling.
Hopscotch discloses Evolve Bank & Trust as its banking provider, according to the Embedded Finance Index 2026.
Hopscotch does not disclose a bank charter of its own; its banking services are provided through Evolve Bank & Trust.
Hopscotch moves money over ACH.
Hopscotch integrates with QuickBooks Online.
The Embedded Finance Index 2026 maps 5 layers in Hopscotch's stack: Money movement (ACH); Banking / BaaS (Evolve Bank & Trust); Lending (Hopscotch Flow (invoice financing / line of credit)); Sponsor bank (Evolve Bank & Trust); Accounting (QuickBooks Online).
Hopscotch is headquartered in New York, NY, USA.
Get a read on where your own stack stands against Hopscotch and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.