Frequently asked questions
Clear answers about Cohera, provider-backed services, and your money workflow.
Understand what Cohera does, which companies provide regulated financial services, how internal planning differs from actual balances, and what approval means for feature availability.
Start with the core distinction.
Cohera provides application software and a financial workflow layer. Stripe and participating financial institutions provide eligible regulated services under their own approval, records, and terms. An internal Cohera category or schedule helps organize a decision; it does not replace the provider record that controls a balance or transaction.
Frequently asked questions
What businesses should know.
What is Cohera Flow?
Cohera is a mobile-first financial workflow platform for eligible independent businesses. It connects payment collection, internal money organization, owner-pay planning, and eligible commercial spending in one workspace.
Is Cohera a bank or money transmitter?
No. Cohera is a financial technology platform. Eligible Financial Account and money-transmission services are provider-backed and subject to the terms and disclosures shown for the applicable program.
Who processes payments?
Stripe provides eligible payment processing. Businesses remain responsible for their products or services, pricing, fulfillment, receipts, refunds, taxes, disputes, chargebacks, and compliance obligations.
Who can use Cohera?
Cohera is designed for eligible U.S. businesses and sole proprietors. Specific features may require supported entity types, identity and business verification, provider approval, enabled capabilities, and acceptance of applicable agreements.
What is a Cohera ledger bucket?
A bucket is an internal organizational category for business purposes such as operating money, estimated taxes, savings, or owner pay. It is not a separate bank account unless the product and provider terms expressly say otherwise.
Does Cohera provide tax advice or file taxes?
No. Cohera can help organize an estimated-tax planning category, but it does not calculate liability, prepare returns, submit filings, make tax payments automatically, or replace a qualified professional.
Does an owner-pay schedule guarantee money movement?
No. A schedule records workflow intent. Actual execution depends on eligible available funds, provider capability, limits, status, compliance checks, timing, and transaction processing.
Are commercial cards available to every account?
No. Card availability requires a separately approved provider program and may depend on onboarding, verification, supported geography, funding, issuing-bank terms, network rules, and risk review.
Which record controls a transaction or balance?
The applicable provider, financial institution, or payment network is the system of record for the regulated transaction or balance it maintains, subject to applicable error-resolution rights.
Are eligible Financial Account funds FDIC insured?
Settled eligible funds may qualify for FDIC pass-through deposit insurance only if all legal and program requirements are met. Coverage is determined under applicable rules and aggregated with other deposits held in the same ownership capacity at the participating bank.
How does Cohera protect account access?
The application uses password authentication, email verification and login codes, PIN-gated sensitive actions, session controls, rate limiting, CSRF protection, secure cookies in production, and provider-hosted elements for sensitive financial inputs.
Can Cohera be used for personal peer-to-peer payments?
No. Cohera is limited to permitted commercial use by eligible businesses and sole proprietors and does not offer consumer peer-to-peer money transmission.
Start your flow
Ready to build a clearer business money workflow?
Create a Cohera account or review the detailed feature pages before getting started.