The capability has already been rolled out to new customers on the web and through the QB iOS app. The site incorporates Planner, a forecasting tool that displays cash flow projections for up to 90 days; QB Cash, a no-fee business bank account in QuickBooks; Envelopes, for setting aside funds for critical, non-negotiable expenses such as payroll and taxes; and the QB Debit Card, a physical and digital card for accessing funds stored in a QuickBooks Cash account. QBO users can now also upload bills in the Receipts tab with the ability to categorize a receipt as either a Bill, a new feature, or as an Expense. In addition, QBO has a new Payroll only option that offers the entire Payroll Standalone lineup when a new client is added, along with  new content for wholesale and direct discounts.