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Getting Paid and Payment Fees

Overview of Conduit payment links, ACH vs card fees, and where online payments fit in the job to invoice loop.

Updated Jun 7, 2026 · 3 min read · For Owner

Conduit payments sit at the end of the same loop you run every day: finish the work, create the invoice, send the payment link, and record the money. This overview explains how online payments work, when ACH saves money, and where to go for the step-by-step invoice workflow.

For the full walkthrough, start with Job → Invoice → Payment. For invoice fields, tax, discounts, partial payments, and overdue tracking, use Invoicing and Payments.

When Stripe is connected in Settings → Payments, every invoice can include a public payment link. Customers open the link from text or email, review the invoice, and pay without installing an app or creating a Conduit account.

The customer-facing page shows:

  • Your company branding.
  • Invoice number and job context.
  • Customer, due date, line items, and totals.
  • Pay Online options for ACH or card.
  • Contact fallback if Stripe is not connected yet.

If a customer pays outside the link, use Record Payment on the invoice detail page. Checks, cash, phone payments, partial payments, and notes all stay attached to the invoice.

ACH vs card fees

ACH and card payments both collect money online, but their fees behave differently.

ACH bank transfer is usually best for larger invoices. In Conduit fee examples, ACH is a $1 Conduit fee plus Stripe ACH processing at 0.8%, capped at $5. That makes the ACH cost $6 max on an invoice.

Card payment is usually best when speed or customer convenience matters more than fee savings. Standard card processing at 2.9% plus 30 cents is about $290 on a $10,000 invoice before any platform fee.

On a $10,000 invoice:

  • ACH: $6 total using $1 plus capped Stripe ACH processing.
  • Card processing: about $290 at 2.9% plus 30 cents.
  • Difference: about $284 before any additional card platform fee.

Where this fits in the job loop

The payment step starts before the customer opens the link. A clean invoice gets paid faster because the customer can see what the job was, what changed, and what is due.

A practical loop looks like this:

  1. Mark the job complete.
  2. Create the invoice from the job so customer and job details carry over.
  3. Review line items, tax, discount, and due date.
  4. Send by text, email, or both.
  5. Let the customer pay by ACH or card from the link.
  6. Record manual payments if money comes in another way.
  7. Watch status move from Draft to Sent, Overdue, Partially Paid, or Paid.

That keeps payment collection connected to the work record instead of scattered across email threads, PDFs, checks, and notes.

Setup checklist

Before relying on online payments:

  • Add your logo and company contact details in Settings → Company Profile.
  • Connect Stripe in Settings → Payments.
  • Set your default tax rate if you charge tax.
  • Confirm each customer’s email and mobile number.
  • Send a test invoice to yourself so you know what the customer sees.

Once setup is done, online payment links become part of the normal invoice send flow. The detailed steps live in Job → Invoice → Payment, and the deeper invoice controls live in Invoicing and Payments.

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