Step 5 of 15

Let clients pay by bank account (ACH)

Clients pay from their checking or savings account through your own Stripe or Square, for a much smaller fee than a card.

SettingsPaymentsBank payments (ACH) Open Payments

Some clients would rather pay from their bank, and a bank payment costs you much less than a card. Turn this on and clients see **Pay by bank** next to the card. The money goes to your own Stripe or Square. It starts off, and only you, the owner, can turn it on.

1

Open Payments

In the menu, tap Settings, then Payments. Stripe or Square needs to be connected and set as your default.
2

Turn on bank payments

Under Bank payments (ACH), turn on Let clients pay by bank account (ACH). With Stripe, ACH Direct Debit needs to be on in your Stripe Dashboard first (Settings, then Payment methods), and we check it for you.
3

Pick who pays the bank fee

Leave My business pays it, or pick Add a fee for bank payments and type a flat amount or a percent. Clients see the fee as its own line before they pay.
4

Pick where clients see it

It shows on your invoices. Tick Also when clients book to offer it on your booking page and card link too, where they pay the whole cleaning by bank.
5

Save and watch it come in

Tap Save bank payments. Each one shows under Money, then Bank payments: on its way, arrived, or sent back by the bank with why.

Good to know

A bank payment takes a few business days to arrive (up to 4 with Stripe, 2 to 3 with Square). The invoice shows as paid only once it does, and nothing chases your client while it is on its way.
If the bank sends it back (not enough money, a closed account), you hear why with the bank code, the invoice is unpaid again, and your client gets a link to pay again.
A bank payment sent back can't be disputed like a card chargeback. Reach out to your client if it is a mistake.
Each payment is one time. Busy Book never saves a bank account or takes money from one again. Your client agrees each time, and we keep the words they agreed to, when, and where.
Card surcharge rules are for credit cards, not bank payments, but some states have rules about fees. Check with your accountant or a lawyer before you add one.
With Square, a bank payment sent back after it arrived may not show in Busy Book on its own. Check your Square Dashboard if a client tells you their bank sent one back.
If a client pays by bank and the invoice gets paid another way while their bank payment is on its way, you hear right away, and Money, then Bank payments, says Paid twice so you can refund one.
Refunds work like card refunds, back to their bank account. Stripe only refunds a bank payment in full, so give back part as account credit instead.

Let clients pay by bank account (ACH)

Open Payments

Turn on bank payments

Pick who pays the bank fee

Pick where clients see it

Save and watch it come in

Still stuck?

Starting a cleaning business?