Payments Setup - Conduit Help
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Job → Invoice → Payment

Payments Setup

Connect Stripe, choose which online payment methods customers can use (or check only), choose who covers processing fees, offer an ACH discount, and manage payouts and refunds.

Updated Sep 26, 2026 · 6 min read · For Owner + Admin

Set up payments once, then every sent invoice can give the customer a secure way to pay online. A company owner or admin can open Settings → Payments to connect Stripe, decide who covers processing fees, and offer an ACH discount. The widget below is the real Payments settings page, walking through every stage of a Stripe Connect account.

Enable Card surcharges in Payments settings after Stripe onboarding, then confirm your U.S. business and service scope, required customer notices, and a payment option without a card surcharge. Eligible credit cards use up to 3%, or 2% where required; lower applicable limits are checked for each payment. This includes eligible credit cards in digital wallets and recurring payments. Customers review the price before paying, and saved-card autopay requires separate authorization for each card. Existing invoice-only mandates do not authorize an added surcharge. Debit and prepaid cards have no card surcharge. The processing basis is 2.9% plus 30 cents; recovery is capped and may not cover every processing cost. Conduit’s 1% platform fee is excluded. Bank transfer fees and discounts have separate location checks.

Which address decides the surcharge. Every card payment is checked against two places: where the customer’s card is billed, and where the work was done. For an invoice attached to a job or project, the work location is that job or project’s address. For a standalone invoice with no job or project on it, Conduit uses the customer’s own address. A few states do not allow a credit-card surcharge at all, and some cap it lower, so both places have to be allowed before a surcharge is added. If a standalone invoice’s customer has no state on file, Conduit has no work location to check and adds no surcharge — fill in the customer’s address to fix that. On your own copy of the invoice, the totals show If paid by credit card: up to $X (up to $Y surcharge) — the most a credit card could be charged for that invoice, which is what the customer sees at checkout. Debit and prepaid cards are never surcharged, and the line is absent entirely when no surcharge applies.

Lessons in this guide

Start
  1. 1 Choose how customers can pay online
  2. 2 Payable now or pay in full
  3. 3 Send a refund

Card or bank transfer

The customer chooses a payment method on the invoice payment page, from the methods you accept:

  • Credit or debit card is familiar and quick. The standard merchant-cost estimate is Stripe’s 2.9% plus 30 cents and Conduit’s 1% platform fee. This is not the amount a customer may be surcharged.
  • ACH bank transfer connects the customer’s bank account. Stripe’s ACH cost is 0.8%, capped at $5, and Conduit’s platform fee is $1.

ACH may be unavailable for a particular payment because of amount, daily-volume, or bank-balance checks. When that happens, the payment page directs the customer to use a card. See how the customer experiences this choice in Getting Paid and Payment Fees.

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