Payment processing software

Card, ACH, Apple Pay and Google Pay on every invoice, with the money going to your own bank rather than through ours. Card is 2.9% plus 30 cents, ACH is 0.8% capped at five dollars, and our platform fee is half a percent.

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A short tour of the screens this page describes. It is filmed with our demo pest control company, and every trade runs on the same screens.

  • Live in 5 minutes
  • No setup fee
  • No long-term contract
Natalia, Pink Upholstery Cleaning
“We run every customer conversation through Smarfle. Texts, emails and reminders are in one place, our customers love paying with Apple Pay, and when we are busy or closed the text bot answers new leads for us.”
Natalia, owner of Pink Upholstery Cleaning, Orlando, FL

The invoice-then-chase cycle

Chasing checks and cash payments creates friction for both you and your clients. Late payments pile up, and reconciling who paid what becomes a part-time job.

Clients Delay Payments on Paper Invoices

When the only payment option is mailing a check or calling in a card number, clients procrastinate. Average payment times stretch to 30+ days, starving your cash flow.

Recurring Services Require Manual Re-Billing

Monthly maintenance clients need a new invoice every cycle. Creating and sending these manually each month wastes hours and introduces errors when pricing changes.

Payment Reconciliation Is a Headache

Matching bank deposits to specific invoices takes detective work. Without automatic reconciliation, your books are always a step behind reality.

How Stripe Connect plugs in

  1. 1

    Connect Your Stripe Account

    Complete the Stripe Connect Express onboarding directly from your Smarfle dashboard. The setup takes about five minutes and enables your business to accept card and ACH bank payments immediately.

  2. 2

    Send Payment-Enabled Invoices

    Every invoice you send includes a secure payment link. Clients click the link, enter their card details, and pay instantly. No app downloads or account creation required on their end.

  3. 3

    Set Up Recurring Subscriptions

    For maintenance contracts and recurring services, create subscription plans that automatically bill clients on your chosen schedule. Clients manage their own payment methods through a secure portal.

  4. 4

    Payments Reconcile Automatically

    When a client pays, the invoice status updates to 'Paid' automatically via webhook. No manual matching, no spreadsheet updates. Your financial records stay accurate in real time.

What Stripe handles for you

Stripe Connect Express Onboarding

Set up your connected Stripe account through a guided onboarding flow. Smarfle handles all the integration details so you can focus on accepting payments, not configuring APIs.

One-Click Online Payments

Clients receive a secure payment link with every invoice. They can pay with any major credit or debit card, or via ACH bank transfer for lower fees. Funds are deposited directly into your connected Stripe account.

Recurring Client Subscriptions

Create subscription plans for recurring services like monthly pest control or quarterly HVAC maintenance. Clients subscribe through the portal, and billing happens automatically each cycle.

Automatic Invoice Reconciliation

Stripe webhooks update invoice statuses in real time. When a payment succeeds, the invoice is marked paid and the client receives a confirmation. No manual intervention needed.

Client Payment Portal

Clients access a branded portal to view invoices, make payments by card or bank transfer, update their payment method, and manage active subscriptions. The portal is secured with individual login credentials.

Apple Pay and Google Pay

Both appear on the payment page automatically, because a wallet is a card behind the scenes. A customer paying from a phone confirms with their face instead of finding the card in a drawer.

Payouts to Your Own Bank

Money is taken on your own Stripe account and paid into your bank on your schedule, not held by us and passed on. You get a notification with the amount, the expected arrival and the destination bank, and one click signs you into your Stripe dashboard.

ACH Bank Transfers

Enable ACH payments so clients can pay directly from their bank account. ACH processing is just 0.8% (capped at $5) plus the 0.5% platform fee, saving up to 70% on larger invoices compared to card payments.

Transparent 0.5% Platform Fee

Smarfle charges a simple 0.5% fee on transactions processed through Stripe Connect. There are no hidden charges, monthly minimums, or surprise fees on your payment volume.

How each trade gets paid

The service businesses that get the most out of this feature, and the specific way each one uses it.

Pest ControlRecurring monthly billing for treatment contractsManaged ITMonthly retainer billing for service contractsMarketing AgencyRecurring retainer with optional ad-spend pass-throughPersonal TrainingMonthly package billing with auto-renewalSalon & BarbershopMembership and package billing through Stripe

Before and after Payments

Manual invoice + chase + bank transfer for every recurring bill

Auto-charged on schedule via Stripe Connect

Card on file lives in a different tool than the CRM

Card stored against the client record; recurring billing fires automatically

A real Stripe-billed customer

Explore how integrated payments streamline your revenue collection with real-time tracking and automatic reconciliation.

28450$

Collected This Month

6320$

Pending Payments

23

Active Subscriptions

  • Torres Family - HVAC Service

    $425.00 paid via Visa ending 4242

    Paid

  • Bright Smile Dental - Cleaning

    $1,280.00 payment link opened

    Pending

  • Lakeside Apartments - Monthly

    $850.00 recurring, next charge Apr 1

    Subscription

  • Chen Property Group - Inspection

    $640.00 paid via Mastercard ending 8821

    Paid

Stripe questions

How long does Stripe Connect setup take?

Most businesses complete the Stripe Connect Express onboarding in under five minutes. You will need your business details, bank account information, and a government-issued ID for identity verification. Stripe typically approves accounts within 24 hours.

What are the processing fees?

Card payments: Stripe charges 2.9% + 30 cents, plus Smarfle's 0.5% platform fee, for a total of 3.4% + 30 cents. ACH bank transfers: Stripe charges 0.8% (capped at $5), plus Smarfle's 0.5% platform fee. On a $1,000 invoice, ACH saves over $20 compared to card. Stripe processing fees are billed directly to your connected account.

Can clients set up autopay for recurring services?

Yes. When you create a recurring service with billing enabled, clients can subscribe through the client portal and save their payment method. Charges are processed automatically on each billing cycle, and both you and the client receive confirmation.

What happens if a payment fails?

Stripe automatically retries failed payments according to its smart retry schedule. The invoice status remains 'Sent' until payment succeeds. You receive a notification about the failed attempt so you can follow up with the client directly if needed.

What Stripe takes

all

Available on All Plans

Stripe Connect integration is available on every Smarfle plan. Accept online payments, set up subscriptions, and manage payouts regardless of your tier.

0.5% platform fee per transaction

View all plans

What the payment touches

Invoice ManagementCreate and send professional invoices that include secure payment links for instant online collection.Client PortalGive clients a branded portal to view invoices, make payments, and manage their subscriptions.IntegrationsConnect Stripe for payments, Twilio for calls and texts, and Google for Business Profile, Search Console and Maps.

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