My Invoice Payment Link Isn't Working — Troubleshooting
If your client clicks "Pay Now" on an invoice and gets an error — or if ACH payments aren't working — the most common causes are: your Stripe account isn't fully set up, your Stripe account requires additional verification, or a backend issue with your merchant account that needs support. Check your Stripe connection status first before contacting support.
Step 1 — Verify Your Stripe Account Is Active
Invoice payments in Money Pro require a connected, fully verified Stripe account. If your Stripe account has a setup issue, clients will see payment errors.
Check your Stripe connection status
- Log in at zenbusiness.com
- Go to ZenBusiness Money → Invoicing
- Look for a "Set up payments" or "Connect Stripe" button
- If you see a setup button, your Stripe account is either not connected or not fully verified
If Stripe appears connected but clients still can't pay, continue to the steps below.
Step 2 — Complete Stripe Verification Requirements
Stripe requires identity and business verification to process payments. An incomplete Stripe account blocks all payments — even if it shows as "connected."
How to complete Stripe verification
- Log in at zenbusiness.com → ZenBusiness Money → Invoicing → Payments Settings
- Click Manage Stripe Account or View Stripe Dashboard
- Look for any "Action Required" banners in the Stripe dashboard
- Complete any pending requirements: identity verification, bank account details, tax information
Stripe sends reminder emails to your account address when verification is incomplete. Check your inbox for emails from Stripe.
Common incomplete items:
- Bank account for payouts not linked
- SSN or business tax ID not verified
- Business address or phone number missing
- Identity documents pending review
Step 3 — Troubleshoot ACH Payments Specifically
If ACH (bank transfer) payments fail or don't appear as an option:
ACH is only available to customers in the U.S. — clients outside the U.S. will not see the ACH payment option.
Your client's bank may block the popup: ACH payment authorization sometimes opens a popup window. Ask your client to allow popups for your invoice page and try again.
ACH isn't enabled in your Stripe account: Log in to the Stripe dashboard and confirm ACH Debit is enabled under Payment Methods. Some new Stripe accounts have ACH disabled by default.
Step 4 — Disconnect and Reconnect Stripe
If your Stripe account appears connected but payments still fail, disconnecting and reconnecting can resolve a stale authentication link.
How to disconnect Stripe
- Go to ZenBusiness Money → Invoicing → Payments Settings
- Click Disconnect Stripe or Remove Payment Method
- Confirm the disconnection
How to reconnect Stripe
- From the same Payments Settings page, click Connect with Stripe
- Log in to your existing Stripe account (use the same email — do not create a new account)
- Grant the requested permissions
- Return to Money Pro — Stripe should show as connected
Important: If you need to switch to a different Stripe account, disconnect first, then connect the new account. Do not attempt to connect a second account while one is already connected.
Step 5 — Contact Support for Backend Issues
Some payment link errors are caused by a stale merchant account ID in ZenBusiness's backend — a mismatch between your active Stripe account and what ZenBusiness has on record. This cannot be fixed by disconnecting and reconnecting. It requires a support ticket.
Contact our support team and include:
- What error message your client sees
- Whether the issue is all payments or only ACH
- When the issue started
- What you've already tried
Frequently Asked Questions
My client says they never received the invoice email. What do I do?
Ask your client to check their spam folder — invoice emails from Stripe are sometimes filtered as promotional or commercial email. Resend the invoice from Money Pro (Invoicing → open the invoice → Resend). You can also share the direct payment link with your client by copying it from the invoice detail view.
The "Set Up Payments" button keeps appearing even though I connected Stripe.
This usually means your Stripe account has incomplete verification requirements. Log in to the Stripe dashboard (stripe.com) and look for "Action Required" notifications. Once all requirements are completed, the button in Money Pro should disappear on the next page refresh.
Can I use a Stripe account I already have, or do I need a new one?
You can use an existing Stripe account. When connecting Stripe in Money Pro, choose "Sign in" at the Stripe prompt and use your existing Stripe email and password. If you create a new Stripe account instead of using your existing one, you'll lose access to existing Stripe transaction history and may have to re-verify your identity.
ACH payments worked before and now they don't. What changed?
Stripe occasionally pauses ACH for accounts that need re-verification or updated banking information. Log in to stripe.com and check for any notifications. If Stripe looks fine, contact our support team — ACH payment failures sometimes relate to a backend merchant account issue on the ZenBusiness side.
My client paid the invoice online. Why doesn't it show as paid in Money Pro?
After a client pays online, Money Pro marks the invoice as paid within a few minutes for card payments. ACH payments take 3–5 business days to settle, so the invoice may remain in "Awaiting Payment" status until the ACH transfer clears. Once the payment settles in Stripe, Money Pro updates automatically. You can also manually mark an invoice as paid if you received payment through another channel.
I need to switch to a different Stripe account. How do I do that?
Disconnect your current Stripe account first (Invoicing → Payments Settings → Disconnect Stripe), then reconnect using the new Stripe account. Do not create a duplicate Money Pro + Stripe connection. Contact our support team if you run into errors during the switch.
Related Articles
- Collecting Payments with Money Pro
- How to Create and Send an Invoice
- How to Accept Online Payments in Money Pro
Still need help? If you still have questions our support team is happy to help!
