SynkedUP Payments lets you collect credit card and ACH bank transfer payments directly through your invoices, keeping everything in one place. This article answers the most common questions we hear from customers getting started.
Getting Set Up
How do I apply for SynkedUP Payments?
You can apply directly inside SynkedUP under Setup → Invoicing Settings. Select SynkedUP Payments and save — this unlocks the Payments tab where you can start your application. The application collects basic business and banking information to verify your account.
I started the application but couldn't complete it. What should I do?
A few things can cause the application to stall:
Incomplete business information — make sure your legal business name, EIN, and address match exactly what's on file with the IRS or your state.
Banking details — double-check your routing and account numbers.
Browser issues — try clearing your cache or using a different browser.
If you're still stuck, reach out to our support team via the chat and we'll walk through it with you directly.
How long does it take to get approved?
Most applications are approved within 1–3 business days.
Fees & Payouts
What does it cost to accept credit card payments?
SynkedUP Payments charges a 3.5% processing fee per transaction. There are no monthly fees or setup costs.
What does it cost to accept ACH bank transfer payments?
ACH is 1.00% per transaction, and the fee is capped — you will never pay more than $1,000 in fees on a single ACH transaction, regardless of the invoice size. Both card and ACH also carry a $0.30 per-item transaction fee.
ACH costs less than credit card on every invoice, at every invoice size. The full fee schedule lives in SynkedUP Payments Fees.
Is there a limit on how large an invoice can be paid by ACH?
No. There is no limit on invoice size for ACH. Your customers can pay an invoice of any amount by bank transfer.
The $1,000 figure you may have seen is a cap on the fee, not on the invoice — it's the most we could ever charge you on a single ACH transaction. It is not a ceiling on what a customer can pay.
What does the ACH fee actually work out to?
At 1%, the fee scales with the invoice and the $1,000 ceiling only comes into play on very large transactions:
$5,000 invoice — ACH fee: $50
$15,000 invoice — ACH fee: $150
$43,000 invoice — ACH fee: $430
$100,000 invoice — ACH fee: $1,000 (the cap)
In other words, an invoice would have to reach $100,000 before the $1,000 fee ceiling applies at all. Above that, your fee stays at $1,000 no matter how large the invoice gets.
Do I need to add the fee as a line item on my invoice?
No — you don't need to do anything manually. The fee is automatically deducted from your payout.
Example:
Customer pays a $1,000 invoice by credit card
You receive $965.00 in your bank account
The full $1,000 shows on the invoice to your customer
Can I pass the credit card fee on to my customer?
Many SynkedUP customers already do. Two things to know:
SynkedUP doesn't add it automatically yet. There is no toggle today that adds a card fee to the invoice for you. If you want to charge one, you add it yourself as a line item on the invoice — the same way you would in QuickBooks or most other invoicing tools.
Whether you can, and how you have to word it, depends on where you are. Surcharging rules vary by state and by card network, and some states restrict or prohibit it. That's a question for your accountant or attorney — we're not able to give you a legal answer on it.
The structure most contractors use is to state both prices plainly on the estimate or invoice, so the customer chooses. For example, on a $3,000 job where the contractor charges a 3% card fee:
Work total — $3,000
Credit card convenience fee (3%) — $90
Pay by ACH bank transfer or check — no added fee
The percentage above is only an example of what some contractors charge their own customers — it is not a SynkedUP fee. SynkedUP's own processing fees are listed above.
Budget for the card fees you absorb — not the ones you pass on. Where the cost belongs depends on what you're doing with it:
If you're not passing the per-transaction fee on — build your expected annual card processing cost into your overhead. That way you recover it across every job, not just the ones that happen to pay by card.
For the payments where you are passing it on — leave that portion out of your overhead. Your customer is already covering it on the invoice, so carrying it in overhead as well means charging for the same cost twice: once on the invoice, and again inside the labor rate that prices every job, including the ones paid by check.
Plenty of contractors land in the middle — adding the fee on some invoices (anything over a certain dollar amount, say) and absorbing it on the rest. If that's you, budget for the share of card volume you expect to absorb rather than all of it.
Either way, any account-level processing costs you pay — statement fees, gateway fees, monthly minimums — belong in your budget. Those aren't tied to a single invoice, so a fee you add to one invoice doesn't cover them. (SynkedUP Payments has no monthly or setup fees, but another processor you run alongside it may.)
When do I receive my payout?
Payouts are typically deposited within 1–3 business days after a payment is collected. ACH transfers themselves typically take 2–4 business days to settle — see SynkedUP Payments Time to Get Paid for detail on settlement timelines.
How can I verify my bank account is hooked up correctly?
Your bank account information isn't stored or displayed inside SynkedUP itself — it lives in your SynkedUP Payments application (the underlying processor account that was set up when you were approved). You won't find your bank account number or routing number listed anywhere in the SynkedUP app, and that's normal.
To verify the bank account is correctly linked and money is flowing to the right place, check your deposit history:
Go to Information → Payments → Deposits.
After a payment is collected and your processor batches the payout, you'll see a row appear with Status = Processing (in flight) or Succeeded (money has hit your bank).
If a deposit reaches Succeeded, that's confirmation the money was deposited to the bank account on file.
If you've already received Succeeded payouts, your bank account is hooked up correctly. If you haven't collected a payment yet — or you need to update or change the bank account on file — reach out to our support team via the chat. We can verify what's on file in your SynkedUP Payments application and help with any updates.
Invoicing
Can I send an invoice without creating a project first?
At this time, invoices in SynkedUP are tied to a project. You'll need to create a project before generating an invoice. If you're billing for work that doesn't fit a typical project structure, we recommend creating a simple project as a container for that work.
My customer says they didn't receive their invoice. What should I check?
Confirm the email address on the customer record is correct.
Ask them to check their spam or junk folder — payment-related emails can sometimes be filtered.
Resend the invoice from inside the project.
If the issue persists, reach out to our support team via the chat and we can look into delivery on our end.
Can I accept partial payments on an invoice?
Partial payment support is not available at this time. Each invoice collects payment in full.
QuickBooks Integration
Does SynkedUP Payments sync with QuickBooks?
Yes — payments collected through SynkedUP will sync to your connected QuickBooks account automatically.
How do I connect QuickBooks to SynkedUP Payments?
Go to Setup → System Setup → Integrations → QuickBooks
Follow the on-screen connection steps
Once connected, payment data will sync automatically going forward
Something doesn't look right in QuickBooks after a payment synced. What should I do?
Check that your QuickBooks chart of accounts is mapped correctly inside SynkedUP's integration settings. If things still look off, reach out to our support team via the chat with the invoice number and we'll help troubleshoot.
Troubleshooting
Why can't I see the Payments tab?
The Payments tab only appears when SynkedUP Payments is selected as your invoicing system. If you have QuickBooks Online set as your invoicing system, the Payments tab will not be visible.
To restore it:
Go to Setup → Invoicing Settings
Select SynkedUP Payments
Save your changes
Note: Switching your invoicing system will affect how new invoices are generated going forward. If you're unsure which setting is right for your workflow, reach out to our support team via the chat before making the change.
If you have any questions about SynkedUP Payments, reach out to our support team via the chat — we're happy to help.