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The Payments App makes it easy to manage all aspects of client billing, from creating services, invoices, and subscriptions to sharing payment links and setting up a branded store. It also provides clients with a seamless way to pay, track invoices, and manage their payment methods.

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App library

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Payout account

If you plan to use the Payments App, you need to first connect a payout account. This lets us send money to you when clients pay you. In all transactions, Assembly acts as the merchant, which means that money first flows to us, and then we immediately send it out to you. You can connect a payout account on the Settings > Payout account page.

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Allow payment via credit card

Turn this on if you want your clients to be able to select credit cards as their payment method. Note that this is a default setting, and you can override it when creating an invoice or subscription.

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Allow payment via ACH

Turn this on if you want your clients to be able to select ACH as their payment method. ACH is only supported for USD. For other currencies, this preference is ignored. Note that this is a default setting, and you can override it when creating an invoice or subscription.

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Absorb transaction fees

Turn this on if you want to absorb payment processing fees. Note that this is a default setting, and you can overwrite it when creating an invoice or subscription.

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Default memo

This will pre-fill the memo field when you create a new invoice or subscription.

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Payments App features

To explore specific features in the Payments App, check out the following articles: Services, Invoicing, Subscriptions, Payment Links, Store, Client Billing Experience, and Fees & Payment Reconciliation.

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Frequently asked questions

When a client pays an invoice, funds flow from the client to Assembly, and then from Assembly to your connected payout account. If a payment is disputed, the transfer from Assembly to your payout account is reversed.If the dispute is won, the transfer reversal will be voided and the funds returned to your connected payout account.If the dispute is lost, the funds will not be returned since otherwise we’re effectively absorbing the cost of the dispute.If Assembly receives notice that a client has disputed a transaction, we will reach out to you and ask for any evidence that will help us counter the dispute and get your funds back to you as soon as possible.Stripe requires detailed evidence for countering a dispute. We’ll ask you to provide some of this evidence depending upon the dispute category.
If your brand or DBA name differs from your legal business name used for invoices, you can set your legal business name in Settings > General.
The QBO integration is a 1-way sync from Assembly Dashboard to your QBO account. Once an invoice is in an Open state, a matching invoice and customer (if the customer doesn’t yet exist) is created in your QBO account.If the customer already exists in your QBO account, the invoice sent to the client in your client experience will be matched to the customer in QBO.From there, changes to the invoice and payments are tracked and sent to your QBO account.Each line item in an invoice is associated with the default Sales service setup in your QuickBooks account.
Since this is a 1-way sync, when you create an invoice in QBO, the invoice will not be automatically created in the Assembly Dashboard.
You can refund a paid invoice yourself from Payments > Invoices — open the invoice’s action menu and select Request refund. See Refunds for the full flow, when the action isn’t available, and what your client receives.Refunds cover the full amount paid. For a partial refund, or if the invoice was marked as paid manually or a previous refund attempt failed, arrange the refund outside Assembly or reach out to our support team.Please note that a refund can be processed only if your connected account has available funds.ACH refunds: ACH payments can’t be refunded until they’ve fully cleared and the funds are received, which typically takes 3 to 5 business days.
Once an ACH payment is processing, it cannot be stopped on Assembly’s end. You have a few options:
  • Contact your client’s bank: the client may be able to request a stop payment directly with their bank.
  • Refund outside of Assembly (fastest): issue a refund through another method while the ACH continues to process.
  • Wait for the payment to finalize, then refund: once the ACH has fully cleared (typically 3 to 5 business days), you can refund the invoice from the Invoices page.
At this time you cannot bring your own payment processor with you. In all transactions we internally use Stripe Connect, requiring separate Stripe Express accounts, for payment processing and act as the merchant.This means that when your clients pay, money first flows to us, and then we immediately send the payout to you. The payment processing fees you see advertised are inclusive of all fees, you do not pay any additional fees.The reason we do this is because it gives us full control over the payment experience and lets us provide features that we otherwise could not. For example, we let you decide whether you want to pay payment processing fees or whether you want to pass them onto clients. This is only possible because of the setup we have in place.
As of November 16, 2023, we no longer support connecting Standard Stripe accounts for payouts. You can still connect your bank account to receive funds in Settings > Payout account.Due to updates with our Stripe Connect platform, we were required to migrate all existing connected Standard Stripe accounts to Stripe Express.The reason we’ve done this is because it gives us full control over the payment experience and lets us provide features that we otherwise could not. For example, we let you decide whether you want to pay payment processing fees or whether you want to pass them onto clients. This is only possible because of the setup we have in place.
This occurs when:
  • Stripe is verifying the information that was provided, such as an ID document upload.
  • Stripe is performing a watchlist check against a list of prohibited individuals and businesses.
  • Stripe is reviewing the account for suspected fraudulent activity.
Stripe will automatically update your account’s status when the review finishes.If your account is still pending review after 7 business days, please contact our support team.
The currency used for the Payments App is the same as the currency of your connected bank account.If you need to change the currency, please contact our support team. We will need to disconnect your current connected bank account. Then, you can replace it with an account using your desired currency.
You can update a client subscription by going to Payments > Subscriptions, clicking the 3 dots next to subscription, and selecting Edit.Here you can update line items and payment methods. On the right sidebar you can also prorate changes and/or reset the billing cycle. The right sidebar provides a preview of the date and amount for the next invoice.
The amount of time it takes for money to arrive in your bank account depends on the payment method and whether this is the first payout.If your client paid via credit card it will take 2-5 business days for money to arrive. If this is the very first payout it may take an additional 2 business days.If your client paid via ACH it will take 5-9 business days. If this is the very first payout it may take an additional 2 business days.ACH payments are batched throughout the day for processing. A transfer initiated later in the day might not be included in the earliest batch, adding a day to the processing timeline.Funds will be deposited to your Stripe Express account, and then take an additional 1-2 business days to be deposited to your connected bank account. This additional processing time is included in the processing estimates listed above.
We plan to add more options in the future, but currently we support connecting payout accounts for the US, UK, Canada, and Australia.