Table of Contents
Overview
Jobber Payments offers your clients flexible and convenient payment options, allowing them to pay online using a credit card or directly from their bank account through ACH. With payments made securely via client hub, your clients can stay informed about their work and make payments effortlessly from the comfort of their home. Plus, ACH payments can be set up for automatic payments, streamlining the payment experience for both you and your clients.
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 typically take 4 business days to be deposited into your bank account from when the payment is in a pending state.
Set up Jobber Payments
To offer your clients the option to pay via bank payments (ACH) in Client Hub, you must first set up Jobber Payments, as ACH bank payment processing is a feature included with Jobber Payments.
Learn How to
Set Up Jobber Payments
After setting up Jobber Payments, ACH bank payments will be enabled automatically if you are located in the United States. This means you can start accepting ACH payments immediately. ACH will appear as a payment option for all your quote deposits and invoice payments.
Limits on ACH bank payments
In your Jobber Payments settings (Gear Icon > Settings > Jobber Payments), you can view your transaction, daily, and monthly limits for ACH bank payments. These are the transaction, daily, and monthly limits for processing ACH bank payments. When these limits are exceeded, you will not be able to accept ACH bank payments on your quotes and invoices.
If one of your clients attempts a payment that exceeds your ACH limits, admin users will be notified via email with the subject line "Payment Processing Issue: Action Required". This email will include information so that you can follow up, including:
-
Payment details:
- Invoice number
- Payment amount
- Time of payment attempt
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Customer details:
- Name
- Email address
- Contact (phone number)
If you have hit your ACH limit, there are a couple options to collect payment:
- Enable partial payments on the invoice where your client is hitting the limit so that they can make a partial payment (must be under your ACH payment limit) as an ACH bank payment. Learn more about partial payments.
- Enable card payments for the invoice or quote deposit so that your client can pay with a card, rather than their bank account.
- Request an increase to your ACH bank payment limit.
To review your ACH limits, click the Review ACH Limit button in the email, which will direct you to your Jobber Payments settings on Jobber.com. On this settings page, you can request an increase to your limit. Under the Manage ACH Limits section in Payment Options, click the Request Limit Increase button. Your request will be processed within 10 business days.
Note: If the Request Limit Increase button isn't there, a limit increase is not available at this time. Please check back later.
Once you've requested a limit increase, you'll see a status for the request in the ACH limit increase section of the Jobber Payments Settings Page. The date of the request will also be listed.
Online payment settings on quotes and invoices
When creating or editing a quote or invoice, you'll find a section below the total labeled "Payment Options." By default, both ACH bank payments and card payments are enabled. However, if you'd like to adjust the payment options for a specific quote or invoice, you can use the toggles in this section to select which payment methods will be available in client hub.
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, you client will select Bank account from the payment section on the right side of client hub, then either enter their banking details manually with the Enter banking details option or select Use bank login to connect to your bank account securely through a service called Plaid.
If your client would like to pay with this bank account in the future, they can check the box for Remember these bank details for future payments. This will add the bank account details as a payment method saved in Wallet.
Note: When a bank account is used for a payment or saved for future use, a $0.01 transaction (also known as a "penny test" or "penny drop") may be processed and refunded to verify the bank account.
Enter banking details
The default option to pay with a bank account is for your client to enter their bank details manually. To do so, they will need to have the following information handy:
- Account type, this will be "personal" or "business"
- Routing number
- Account number
- Account holder's name
Note: The account holder's name number match exactly as it appears on their bank account.
If you don't already know your routing number or account number, both of these number can be found on a direct deposit form or on a check from your bank.
To submit their payment, your client will select the Pay button which will show the total amount (including tip, if applicable) that their bank account will be charged.
Use bank login
The Use bank login option uses a secure service called Plaid to link the client's bank account to make the payment.
To make the bank payment, your client will need to:
- Select the Bank account as their payment method
- Select Use bank login.
- Select Connect with Plaid.
- Click Continue.
- Enter their phone number, or continue as a guest.
- Select their financial institution from the list. To find their bank, they can use the search bar to view and narrow down the list of supported institutions. Plaid supports 12,000+ institutions for ACH.
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 Plaid and should use the Enter bank details method instead. - 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.
To submit their payment, your client will select the Pay button which will show the total amount (including tip, if applicable) that their bank account will be charged.
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 on the receipt details pop-up.
Reporting
Bank payments are included in the Jobber Payments Transactions List report along with credit card transactions. To tell which transactions were bank payments, filter by the Paid with column where Bank payment (ACH) will appear.
Set the date range for the report. By default the last 30 days will be selected from the "Entries within" drop down, however this can be customized to include transactions within a different date range.
The report can also be filtered by transaction type. This includes payments, deposits, refunds, or all transaction types.
The columns that appear in the report are:
- Client name
- Date
- Time
- Type - includes payments, deposits, or refunds.
- If a payment was not successful, it will show as "Payment (incomplete)" to indicate that it failed and your client was not charged.
- If a payment is going through a review, it will show as "Payment (pending)".
- 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.com.
- 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.
The totals for the columns appear at the bottom of the report.
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 typically take 4 business days to be deposited into your bank account from when the payment is in a pending state.
Bank payments will also appear in the Jobber Payments payouts report to reflect when the payment has been sent to your bank account.
Refunds
Refunds cannot be issued for bank payments until the payout has been deposited into your account which takes approximately 4 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.
Note: Bank payments that are over 90 days old are not available to be refunded.
Disputes
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 as NACHA does not offer a chargeback mechanism, unlike card networks. 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.
Failed payments
It is possible for bank payments to appear successful, but then later fail within the 4 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, the account owner 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.
Bank payments in the Jobber App
In the app, you can select which online payment options you'll accept for an invoice or a quote with a required deposit. The app follows the same behaviour as creating a quote or invoice from jobber.com, so by default credit card payments are toggled ON and bank payments are toggled OFF.
Note: When enabling bank payments, you will see your bank payment (ACH) transaction limit. If the total of the invoice or quote deposit is greater than the remaining limit, bank payments will be disabled as an online payment option.