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Online Payments for Contractors

Accept card & ACH in minutes. Send payment links, request deposits, offer partial payments, and issue receipts. Pair with invoice reminders and QuickBooks Online integration for smooth month-end.

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💳 Card & ACH checkout 🔗 Payment links 🧾 Receipts & refunds 📥 Deposits & partials 📘 QBO sync
Online payments for contractors with card and ACH checkout, payment link, deposit, and receipt

What are online payments?

Online payments let customers pay invoices via a secure link on their phone or computer. BuildFolio supports card and ACH checkout, deposits, partial payments, and automatic receipts—no more chasing paper checks.

  • Card & ACH payment options
  • Deposits, partials, and milestones
  • Automatic receipts & refunds

Curious how ACH works behind the scenes? See Automated Clearing House.

How payments work in BuildFolio

1) Send

Share a payment link

From any job, generate a secure link for card or ACH. Add a deposit or allow partial payments.

  • Email delivery + SMS (Professional)
  • Expiration & due dates
2) Pay

Clean checkout

Customers pick card or bank, pay in seconds, and receive a receipt automatically.

  • Deposits & partials supported
  • Refunds with audit trail
Result: faster collection, fewer trips back to the office, and cleaner books at month-end.

See 1-Click Final Invoice + online payments (2 min)

BuildFolio can assemble the final invoice from your quote and change orders, then attach a smart payment link so customers can pay by card or bank right away—no retyping totals.

Watch the demo: quote + change orders + deposits + tax auto-loaded, then paid online in a few taps.

Watch Final Invoice Demo

Free vs Pro

Free — essentials

  • Card payments & receipts
  • Payment links
  • Deposits & partials

Perfect for getting paid without friction.

Pro — automation & sync

  • ACH payments
  • Email + SMS reminders
  • QuickBooks Online sync

Upgrade when you want fewer past-due balances and tighter books.

Not sure yet? Start Free—turn on automations when you’re ready.

Examples by trade

Common payment flows across home services.

Plumbing

50% deposit at scheduling, remainder due on completion—receipts sent instantly.

Plumbing estimate template →

HVAC

Replacement deposit + final payment; ACH offered for larger tickets.

HVAC estimate template →

Roofing

Milestone payments by square installed; reminders reduce delays.

Roofing estimate template →

Collect your first online payment

  1. Enable payments. Create your account and verify your business details.
  2. Set options. Choose card and/or ACH, deposits, partial payments, and due dates.
  3. Create invoice or link. From the job, click Send Payment Link or New Invoice.
  4. Share & confirm. Email the link (and SMS on Pro). Customer pays on a secure page.
  5. Sync to accounting. Turn on QuickBooks Online sync for books that match your jobs.

Want to reduce late payments further? Add Invoice Reminders and see past-due balances shrink.

FAQ: cards, ACH, receipts

Can I surcharge card payments?

Some regions allow surcharging with rules. Check local regulations and card-brand policies before enabling any surcharge.

How long do ACH payments take?

ACH typically clears in 2–5 business days depending on bank processing and weekends/holidays.

Do customers get receipts automatically?

Yes. Receipts are emailed immediately and stored with the job. You can resend anytime.

Can I issue refunds?

Yes. Process partial or full refunds; the audit trail is attached to the invoice and job.

Free to start

Send a link. Get paid. Move on to the next job.

Collect card & ACH payments with receipts and reminders—then sync to QuickBooks. Less chasing, more collecting.

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