Table of Contents
When making a payment online through Jobber Payments, give your clients the option to make a payment with a credit card, or directly from their bank account via ACH. Bank payments are made through client hub which is a convenient and secure way for your clients to stay in the loop about their work and make payments from the comfort of their home.
Bank payments (ACH) are available on all plans for a 1% fee. Since bank payments (ACH) are processed through the Automated Clearing House (ACH) network, bank payments are only available in the United States. Bank payments take 5-7 business days to be deposited into your bank account after the payment is collected.
To give your clients a bank payment option in client hub, first you need to first set up Jobber Payments as the ability to accept bank payments is offered as part of Jobber Payments. Learn how to Set Up Jobber Payments.
Once Jobber Payment is set up to start offering a bank payment (ACH) option, you'll first need to change a setting that is off by default. Navigate to the Gear Icon > Settings > Jobber Payments and toggle the setting for Accept bank payments (ACH) to On.
Online payment settings on quotes and invoices
When you have Accept bank payments (ACH) enabled in Settings > Jobber Payments, you will see some toggles when creating an invoice or quote with a required deposit for Online payments settings. This is where you can toggle if you would like to offer both credit card and bank payment options for that particular deposit or invoice, or just one payment option, or none. By default, credit card payments are toggled ON and bank payments are toggled OFF.
If you have the setting for "mandatory card on file" enabled in your Jobber Payments settings, then the only online payment option for a deposit will be credit card since a bank account cannot be saved on file. If your workflow involves charging a client on a recurring basis with automatic payments, then you will only want to give your client the choice of paying with credit card so that the automatic payment workflow can be set up.
Client hub - What your client sees
Paying with a bank account is just as seamless as paying with a credit card – when your client makes a payment in client hub (either as an invoice payment or a deposit on a quote), they will have a few payment methods to choose between. To pay with ACH, click Pay invoice then select Pay with bank payment.
Client bank account information is not stored in Jobber and is transferred over a secure connection using a service called Plaid to link their bank account to make the payment. Since their bank account information is not stored in the future if they want to pay via bank payment again they will need to connect their bank account each time.
To make the bank payment, your client will need to:
- Click Select Bank.
- Click Continue.
- Select their bank from the list.
Note: If your client does not have online banking or uses a bank that is not on this list, they will not be able to pay with a bank payment.
- Enter their online banking user name and password.
- Select which bank account they would like to make the payment from.
If your client is paying their quote deposit and you require a signature, they will also be prompted to sign the quote before clicking Pay to make the payment.
After the payment has been completed, a receipt will appear in client hub. For your client's records, if they would like to view the receipt details like the transaction date, amount, and bank account details they can click View to see more information about the payment.
If they need a copy of their receipt for their records, they can self-serve that directly from client hub by clicking Download PDF.
Bank payments are included in the Jobber Payments Transactions List report along with credit card transactions. To tell which transactions were bank payments, check out the Paid with column where Bank payment (ACH) will appear.
The columns that appear in the report are:
- Client name
- Type - includes payments, deposits, or refunds.
- Paid with - this includes Bank payment (ACH) or Credit card.
- Paid through - Bank payments can only be made through client hub, but credit card payments can be made through the mobile app, automatic payments, or Jobber online.
- Total - this is the invoice or deposit total.
- Fee - this is the dollar amount from total that went to fees.
- Note - this is typically what the payment was applied to, however manually added payment notes appear here too.
- Card ending # - the last four digits of the card number or the last four digits of the bank account.
- Card type - for credit card payments this will show if the card was a Visa, MasterCard, etc.
- Invoice # - if the payment was made towards an invoice, this is the invoice number the payment is associated with.
- Quote # - if the payment was made as a deposit on a quote, this is the quote number associated with the payment.
- Payout # - once a payout has been generated with this transaction, the payout number will appear in this column.
- Open - click the squares icon to open the transaction details.
Bank payments have a fee of 1% which is taken out of the payment total so that the net amount that is deposited to your bank account already had the fee removed. Bank payments are deposited within 5-7 business days.
Refunds cannot be issued for bank payments until the payout has been deposited into your account which takes approximately 5-7 business days. Once issued, bank payment refunds take about 9-15 calendar days to be returned back to your client.
To refund a bank payment, navigate to the payment details. You can find the payment details by clicking on the payment from the client's billing history box, from the invoice, or by clicking the squares in the open column in the Jobber Payments Transactions list.
From the payment details, click Issue a Refund.
Before the refund is issued, you will be asked to confirm the refund. If you would like to go ahead with the refund, click Confirm.
A client disputing a bank payment (ACH) is rare, as these payments are made when the client intentionally authorizes their bank to make the payment. Bank payment disputes are processed through the ACH network, which is overseen by the National Automated Clearinghouse Association (NACHA).
Unfortunately, ACH disputes cannot be contested through Jobber. When the dispute is formalized by the bank it is marked as lost and, the funds from the disputed bank payment are returned back to your client automatically.
We highly recommend that you reach out to your client directly to resolve a dispute, should one arise.
It is possible for bank payments to appear successful, but then later fail within the 5-7 business day payout window. Transaction failures can happen for a few different reasons but will mostly happen due to insufficient funds or disabled debits from bank accounts.
If you do encounter a failed payment, admin users on your account will receive an email notifying them that the payment failed. Your client will also receive an email letting them know there was an issue with their payment.
There will also be a notification in activity feed when a payment fails stating that "Jobber could not collect a payment" with the invoice or quote number.
The toggles to offer bank payments as a payment option also appear in the app when creating an invoice or quote. The app follows the same behaviour as creating a quote or invoice from Jobber Online, so by default credit card payments are toggled ON and bank payments are toggled OFF.