Bank / ACH Invoice Payments for Contractors
Let customers pay big invoices by bank transfer and keep the processing fee low
Give your customers a bank-transfer option on the invoices you already send, so the money moves at a lower processing fee than card. When you email an invoice, BuildCrux offers ACH bank payment right on the same secure Stripe checkout page the customer already opens to pay, next to card, and they choose which one to use. The bank-transfer fee is about 1 percent with a $3 minimum and no cap, versus the roughly 3 percent a card runs, so on a $12,000 draw the customer's payment costs you about $120 instead of $360 or more. Bank payment is offered on invoices up to about $20,000 for accounts that have their Stripe payout account connected and the option turned on. It is bank-or-card, always the customer's choice, and card never goes away, so if bank transfer is not available for a given payment the link quietly falls back to card and still works. Bank transfers clear in a few business days rather than instantly, which is the normal ACH tradeoff for the lower fee, and the payment reconciles against the invoice automatically once it settles.
What you get
Bank / ACH Invoice Payments — frequently asked questions
How much do I actually save versus card payments?
The bank-transfer fee is about 1 percent with a $3 minimum and no cap, versus the roughly 3 percent a card runs. On a $12,000 draw that's about $120 instead of $360 or more, so the savings get real on larger invoices.
Do my customers have to go somewhere different to pay by bank transfer?
No. When you email an invoice, bank payment shows up right on the same secure Stripe checkout page the customer already opens, side by side with card. They pick whichever they want, and card never goes away, so you're not forcing anyone off the method they prefer.
Is there a limit on which invoices can use bank transfer?
Bank payment is surfaced on invoices up to about $20,000, and it only turns on for accounts that have connected their Stripe payout account and switched the option on. Nothing changes on your existing invoices until you enable it, and the ceiling is adjustable as your Stripe limits grow.
How fast does the money arrive, and do I have to match the deposit myself?
Bank transfers clear in a few business days rather than instantly — that's the normal ACH tradeoff for the lower fee. Once it settles, the payment reconciles against the invoice on its own and marks it paid, so you don't match a deposit by hand.
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