Your clients can pay from their bank account — a few dollars, not a card's percentage
Pay by bank beside Pay by card on your invoices, a proposal's deposit and your client's own page. Stripe's ACH fee is capped at $5, so a $9,000 invoice costs $29.00 to take, not $283.
A large invoice paid by card costs a large card fee: about $283 on a $9,000 job. Paid from the client’s bank account through ACH, the same invoice costs Stripe’s fee — 0.8%, never more than $5, and $1.50 to check the account — plus the same visible 0.25%: $29.00 in all. With Bank payments, your clients choose.
Pay by bank stands beside Pay by card on your invoices, on a proposal’s deposit, and on your client’s own page when they pay several invoices at once. Set an amount on the tool’s Settings tab, and on a payment at or above it the bank comes first, as your preference. The client signs in to their bank on Stripe’s page and authorizes the payment.
A bank payment takes a few business days to arrive, and until it does the invoice reads Payment processing to you and to the client: not paid, not overdue, and not chased by a reminder. When the bank settles it, the invoice is paid on that day, with the receipt, and it counts in your income, Getting Paid and your accounting from that day. When one doesn’t go through, the balance is open again and you and the client are each told why, in plain words.
A proposal’s required deposit paid by bank accepts the proposal when the client authorizes it, so the work goes on your schedule straight away. An online booking’s deposit is still paid by card, because it holds the time the moment it is paid.