Bank / ACH Invoice Payments for Contractors | BuildCrux

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.