Collecting Payments with Money Pro
Collecting Payments with Money Pro
How to accept card and bank payments directly through your invoices — setup, fees, payout speed, and what to do when something goes wrong.
Overview
Money Pro includes a built-in merchant account powered by Stripe that lets you accept credit cards, debit cards, and ACH bank transfers directly from your invoices. When you send a client an invoice, they see a Pay Now button — they click it, pay by card or bank transfer, and the invoice is automatically marked as paid in your Money Pro account.
This eliminates the friction of chasing paper checks, reconciling PayPal payouts, or juggling a separate payment processor account. Your payments and bookkeeping live in the same place.
There are no contracts, no monthly fees, and no minimum transaction volumes. You pay only when you collect a payment — per-transaction fees apply (see the Fees section below). Setup takes a few minutes online, though verification and approval can take a few business days.
What's Supported
Accepted payment methods:
- Visa, Mastercard, American Express, Discover (credit and debit cards)
- ACH bank transfer (direct debit from client's bank account)
Not currently supported:
- Apple Pay
- Google Pay
- Cash App
- Klarna
- Afterpay / other buy-now-pay-later services
International payments: Stripe supports payments from clients in 135+ countries. Your clients can pay with their international card as long as it's on the Visa, Mastercard, Amex, or Discover network.
Setting Up Your Payment Account
Getting Started
- Go to ZenBusiness Money → Invoices
- A pop-up will prompt you to apply for your merchant account — click "Get Started"
- Complete the online application (takes a few minutes)
- Watch your email — we may request additional documentation to verify your identity and business
Approval time: Applications are typically approved within 5 business days. If additional documentation is requested, allow a few extra days. Once approved, the Pay Now button is active on all future invoices immediately.
If You Closed the Application Before Finishing
If you started the onboarding process but closed the window before completing it:
- Go to ZenBusiness Money → Invoices
- The option to continue your application should appear on the dashboard or in Settings
- If you can't find it, contact moneysupport@zenbusiness.com and we'll help you resume
Who Can Apply
Almost any type of business can apply for a Stripe payments account, including online businesses, startups, service businesses, and freelancers. A small number of business types are restricted by Stripe — check stripe.com/legal/restricted-businesses for the full list.
Fees
Payment processing fees are charged per transaction:
| Payment Type | Fee |
|---|---|
| Credit or debit card | 2.9% + $0.30 per transaction |
| ACH bank transfer | 0.8% per transaction (capped at $5) |
| Failed payment | $4.00 |
| Dispute (chargeback) | $15.00 |
No monthly fee, no setup fee, no minimum volume. There are no long-term contracts or commitments — you can stop using payment collection at any time without penalty.
ACH is often cheaper for large invoices. For a $1,000 invoice: card processing costs $29.30, ACH costs $5.00 (capped). For clients comfortable with bank transfers, ACH saves money for both parties.
How Fast Do I Get Paid?
After a client pays:
1. Payment is processed and appears in your merchant account within 2–3 business days
2. You then initiate a transfer to your bank account, which takes another 2–3 business days
Total: typically 4–6 business days from payment to your bank account. The timing can vary based on payment method and your bank.
The invoice is marked as Paid immediately when the payment is received — you don't wait for the bank transfer to see the invoice status update.
Viewing Your Payments
To see your recent payments after setting up your account:
- Go to ZenBusiness Money → Invoices
- Click Invoices to see paid, unpaid, and draft invoices with their payment status
- For merchant account-specific transaction history and payout details, look in the Payments section of your account (may also appear in Account Settings depending on your dashboard version)
Fraud Protection
Stripe uses machine learning algorithms and continuously updated rules to detect and stop fraudulent transactions before they process. This protection is automatic — you don't need to configure anything. Stripe monitors transactions around the clock and updates its fraud detection as new fraud patterns emerge.
If a suspicious transaction is flagged, Stripe may decline it automatically or request additional verification. If a payment you believe is legitimate gets declined, contact moneysupport@zenbusiness.com and we can investigate.
Connecting Stripe to Your ZenBusiness Website
If you have a ZenBusiness website (through our website builder), you can integrate your Stripe account to accept payments directly on your website — not just through invoices. This lets you sell products, services, or packages with an online checkout on your website.
To connect Stripe to your ZenBusiness website:
1. In your website builder, go to Settings → Payments or look for the Payment integration option in your site's e-commerce or checkout settings
2. Connect your existing Stripe account (the same one tied to your Money Pro merchant account)
If you need help with the website integration, contact our support team.
Stripe Support
For questions specific to your Stripe account — transaction details, identity verification, dispute handling — Stripe has its own support resources. You can reach Stripe directly through the Stripe dashboard or at stripe.com/contact.
For questions about your ZenBusiness merchant account, invoicing, or payment collection through Money Pro, contact our team at moneysupport@zenbusiness.com or call (844) 493-6249.
Frequently Asked Questions
Do I have to use the built-in payment collection?
No. Invoicing works independently of the merchant account. You can create and send invoices at any time and record payments manually when clients pay by check, wire transfer, or Venmo. The merchant account enables online payment collection — it's optional.
Are there any long-term contracts or commitments?
No. There are no contracts, no monthly fees, and no minimum transaction requirements. You pay only per transaction when you collect payment. You can stop using payment collection at any time.
What if my client pays with an international card?
Stripe supports payments from clients in 135+ countries. International cards on the Visa, Mastercard, Amex, or Discover networks are accepted. Standard card processing fees (2.9% + $0.30) apply.
How does Stripe protect me from fraud?
Stripe uses machine learning to evaluate every transaction and flag suspicious activity automatically. It continuously updates its detection rules as new fraud patterns emerge. This happens behind the scenes — no setup required on your end.
What do I do if I receive a chargeback (dispute)?
A chargeback happens when a client disputes a charge with their card issuer. Stripe charges a $15 dispute fee, which is deducted from your account while the dispute is under review. You'll receive a notification and have the opportunity to submit evidence that the charge was legitimate. If Stripe rules in your favor, the $15 fee is typically refunded. Contact moneysupport@zenbusiness.com if you need help responding to a dispute.
Can I have a merchant account for more than one business?
Currently, each ZenBusiness user has one merchant account, even if you have multiple businesses. You can collect payments for any of your ZenBusiness businesses using that single merchant account.
I applied for a merchant account but never heard back. What happened?
Check your email (including spam) — we may have sent a request for additional documentation. If you haven't received anything after 5 business days, contact moneysupport@zenbusiness.com with your account email and we'll look into the status of your application.
Why is my client's card being declined?
Card declines can happen for several reasons: insufficient funds, card restrictions set by the client's bank, international transaction blocks, or Stripe's fraud detection. Ask your client to try a different card or use ACH bank transfer as an alternative. If the issue persists, contact moneysupport@zenbusiness.com.
Is ACH safer than card payments?
Both methods are secure. ACH is a direct bank-to-bank transfer authorized by the client, making unauthorized transactions less likely. Card payments go through the card network's own fraud protections. The main practical difference is cost — ACH is cheaper for large invoices (capped at $5 vs. 2.9%+$0.30 for cards).
Still need help?
For merchant account and payment questions: moneysupport@zenbusiness.com
For general Money Pro support: (844) 493-6249 or support@zenbusiness.com
We're available Monday–Friday during business hours.