> ## Documentation Index
> Fetch the complete documentation index at: https://help.homespace.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Accept payments and get paid same day

> Accept cards, ACH, Apple Pay, and Google Pay. Homespace deposits funds the same business day — no 3-day wait — with automatic QuickBooks reconciliation.

Homespace Pay handles every dollar from job close to bank deposit. Payments process through Stripe in the background — your customers never need a Stripe account. You accept major cards, ACH bank transfers, Apple Pay, and Google Pay from a single interface, with all fees, deposits, and refunds syncing automatically to QuickBooks.

<Note>
  You must connect a bank account before you can accept any payments. Go to **Dashboard > Settings > Payments > Connect Bank** to complete setup.
</Note>

## What's in this section

<CardGroup cols={3}>
  <Card title="Tap to Pay" icon="mobile" href="/payments/tap-to-pay">
    Accept contactless card payments in person using your iPhone — no hardware required.
  </Card>

  <Card title="Payouts" icon="bank" href="/payments/payouts">
    Track deposits, view payout history, and reconcile transactions by month.
  </Card>

  <Card title="Invoicing" icon="file-invoice" href="/features/invoicing">
    Send invoices, collect payment links, and manage overdue reminders.
  </Card>
</CardGroup>

## Payment methods accepted

Homespace supports the payment methods your customers actually use.

| Method              | Description                                                |
| ------------------- | ---------------------------------------------------------- |
| Credit / debit card | All major card networks (Visa, Mastercard, Amex, Discover) |
| ACH bank transfer   | Direct bank-to-bank transfer; best for large invoices      |
| Apple Pay           | NFC wallet via iPhone, iPad, or Safari on Mac              |
| Google Pay          | NFC wallet or in-browser on Android and Chrome             |

## Same-day deposits

Payments collected before **5 PM PT** on a business day typically arrive in your connected bank account the same day. There is no 3-day holding period. Funds are listed as "In transit" in the Payouts dashboard while processing and appear in your bank the same evening.

## Processing rates

All rates apply to payments processed through Homespace. There are no setup fees, monthly minimums, or hidden charges for refunds, disputes, or payouts.

| Method                     | Rate          | Notes                                  |
| -------------------------- | ------------- | -------------------------------------- |
| Card, in-app               | 2.6% + \$0.10 | Standard card-present rate             |
| Card, manually keyed       | 3.3% + \$0.20 | Higher rate for card-not-present entry |
| ACH bank transfer          | 0.8%          | Capped at \$5 per transaction          |
| Apple Pay / Google Pay     | 2.6% + \$0.10 | Same rate as in-app card               |
| Subscription / auto-charge | 2.4% + \$0.10 | 20 basis points off recurring payments |
| Refunds, disputes, payouts | Free          | No hidden fees                         |

## Connecting your bank account

Before you can accept payments or receive payouts, you need to connect a bank account.

<Steps>
  <Step title="Open Settings">
    Go to **Dashboard > Settings > Payments**.
  </Step>

  <Step title="Click Connect Bank">
    Select **Connect Bank** and you will be redirected to the Stripe onboarding flow. Your business details are pre-filled from your Homespace profile.
  </Step>

  <Step title="Complete Stripe verification">
    Stripe will ask for your business type, EIN or SSN, and bank account details. This typically takes under five minutes. Your customers never interact with Stripe directly.
  </Step>

  <Step title="Wait for approval">
    Stripe reviews your account in the background. Once approved, **charges enabled** will show as active in Settings, and you can begin accepting payments immediately.
  </Step>
</Steps>

## Dispute protection

Homespace automatically assembles a chargeback rebuttal package for every job that ends in a signed invoice. The package includes:

* The signed estimate
* Before and after photos attached to the job
* The signed invoice with payment record

If a customer disputes a charge, Stripe submits this package on your behalf. You do not need to take any action.

<Tip>
  Requiring before and after photos in the Field app (per job type) maximizes your dispute protection. Jobs with complete photo sets have the strongest rebuttal packages.
</Tip>

## QuickBooks reconciliation

Homespace keeps a two-way sync with QuickBooks. Every payout, processing fee, and refund maps automatically to your chart of accounts. Month-end reconciliation requires no manual export or import — the books update as transactions settle.