How to Accept Online Payments in Money Pro
To accept online payments in Money Pro, complete the built-in merchant account application from Invoices, wait for approval, then send invoices with the Pay Now button enabled. Clients can pay by credit card, debit card, or ACH bank transfer. Card fees are 2.9% + $0.30; ACH fees are 0.8% capped at $5.
Step 1: Apply for the Merchant Account
- Log in at zenbusiness.com
- Go to ZenBusiness Money → Invoices
- Click Get Started on the payment collection prompt
- Complete the merchant account application
- Watch your email for any verification requests
Approval timeline: typically within 5 business days. If more documentation is needed, it may take longer.
Step 2: Send an Invoice With Payment Enabled
Once approved:
1. Create or open an invoice
2. Confirm online payment is enabled
3. Click Save and Send
4. Your client receives the invoice email with a Pay Now button
Clients can pay using:
- Credit card
- Debit card
- ACH bank transfer
Payment Processing Fees
| Payment Method | Fee |
|---|---|
| Credit/debit card | 2.9% + $0.30 per transaction |
| ACH bank transfer | 0.8% per transaction, capped at $5 |
| Failed payment | $4.00 |
| Chargeback / dispute | $15.00 |
There are no monthly fees, no setup fees, and no long-term contracts.
How Payouts Work
After your client pays, the invoice is marked Paid immediately. Funds then move through a two-step process:
- Payment clears in Stripe — ACH bank transfers take ~2 business days; card payments take ~1–2 business days.
- Stripe pays out to your bank — Stripe automatically initiates a transfer to your connected bank account, which takes another ~1–2 business days.
Typical total: 3–4 business days for ACH, 2–4 business days for card.
First payment hold: The very first payment processed through your Stripe account is held for 7 business days before being paid out. This one-time hold is standard Stripe verification. Normal timing applies to all payments after the first.
You can check payout status at stripe.com → log in with your Stripe credentials → Balance. To change when Stripe sends available funds to your bank, see How to Update Your Stripe Payout Schedule.
Need It Faster? Stripe Instant Payout
Stripe offers Instant Payout, which moves available Stripe balance to your bank within ~30 minutes.
- Fee: 1.5% of the payout amount (minimum $0.50)
- How: Log in at stripe.com → Balance → Pay out funds instantly
- Requirement: Your bank must support Visa/Mastercard Fast Funds. Most major U.S. banks qualify.
- Note: Only works with available balance — funds still pending (e.g., an ACH still clearing) cannot be instantly paid out yet
Frequently Asked Questions
Can I send invoices without accepting online payments?
Yes. Online payments are optional. You can still send invoices and record payments manually if clients pay by check, wire, cash, or another method.
What payment methods are not supported?
Money Pro currently supports cards and ACH. Apple Pay, Google Pay, Klarna, Afterpay, and Cash App are not currently supported.
Can international clients pay my invoices?
Yes. International cards are supported through the underlying payment processor, as long as they run on a supported card network.