Payouts & Fees
Understand what Stripe charges, when money reaches your bank, and how payouts fit into your bookkeeping flow.
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Processing Fees
Service Invoice Pro charges no platform fee on online payments. The only transaction fees are Stripe’s standard rates:
- Credit/debit cards: 2.9% + 30¢
- ACH bank transfer: 0.8% (capped at $5)
Simple Examples
| Payment Type | Customer Pays | Approx. Stripe Fee | You Receive |
|---|---|---|---|
| Card payment | $100.00 | $3.20 | $96.80 |
| Card payment | $500.00 | $14.80 | $485.20 |
| ACH payment | $500.00 | $4.00 | $496.00 |
| ACH payment | $1,000.00 | $5.00 cap | $995.00 |
Payout Timing
Stripe deposits funds based on Stripe’s payout schedule, not instantly when the customer pays.
Keep these distinctions in mind:
- Card payment succeeded means the customer completed checkout
- Invoice marked paid means Service Invoice Pro received the Stripe confirmation it expects
- Payout sent to bank happens later on Stripe’s payout schedule
If you need exact payout timing, open your Stripe Dashboard and review the payout settings on your connected account.
Stripe and QuickBooks
If you also use the QuickBooks Integration:
- Stripe-backed invoice payments can sync into QuickBooks as payments
- Stripe payouts can sync into QuickBooks as deposits and journal entries
- QuickBooks payout sync depends on account mappings being configured correctly
If payout sync is failing, check both:
- Your Stripe account is active and receiving payouts
- Your QuickBooks account mappings are complete
Best Practices
- Encourage ACH for larger invoices to reduce fees
- Upload your logo and verify your business name in Stripe so customers recognize the charge
- Review payout activity in Stripe before assuming a missing bank deposit is an SIP issue
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