> For the complete documentation index, see [llms.txt](https://help.paintscout.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.paintscout.com/support/resources/frequently-asked-questions/payments-and-financing.md).

# Payments & Financing

Answers to common questions about Stripe credit card processing, Wisetack customer financing, payment notifications, and managing payment settings in PaintScout.

{% hint style="info" %}
Payment-related updates are rolling out in stages. You may see the refreshed payments table before you see refunds, **Processing** and **Failed** statuses, or new settings and report filters.

See [What’s New in Payments](/support/invoicing-and-payments/invoices/whats-new-in-payments.md) for the current rollout details.
{% endhint %}

## Stripe Payment Processing

<details>

<summary><strong>Am I able to accept bank transfers with Stripe?</strong></summary>

No, our integration currently only supports credit card payments. If you would like to accept payment from your customer via bank transfer you can directly report the payment on the estimate or invoice.

</details>

<details>

<summary><strong>Can I connect PaintScout to a sub-account in Stripe?</strong></summary>

Yes, when you connect the Stripe integration you will be prompted to select which account you want to use.

</details>

<details>

<summary><strong>What is the rate for payments with Stripe?</strong></summary>

Each transaction processed by Stripe will be charged your Stripe fee + 0.5% fee paid to PaintScout. (Stripe fees are most commonly 2.9% of the payment amount + $0.30 per transaction). So a total of around 3.4%.

</details>

<details>

<summary><strong>Can I pass the payment processing fees onto my customer?</strong></summary>

Yes. Credit card surcharging lets you pass eligible credit card processing fees to the customer.

You can configure it in **Account Settings** and adjust it on individual estimates or invoices. It does not apply to ACH or debit payments. Deposit surcharging is optional.

See [Credit Card Surcharging](/support/invoicing-and-payments/payments/credit-card-surcharging.md) for setup details and regional restrictions.

</details>

<details>

<summary><strong>How long does a payment take to get to me?</strong></summary>

Payout timing is adjustable in your Stripe settings. [Review Stripe payout timing >](https://stripe.com/docs/payouts)

</details>

<details>

<summary><strong>Is the deposit payment reported on the invoice?</strong></summary>

When a customer makes a deposit payment through a credit card, the system will automatically create an associated invoice and post the payment.

</details>

<details>

<summary><strong>How can I issue a refund?</strong></summary>

Refund steps depend on the payment method and on whether the rollout is enabled on your account.

* Manual payments can be refunded directly in PaintScout
* Stripe refunds are still handled in the Stripe portal or dashboard

Only payments with a **Successful** status can be refunded. [Review Stripe refund steps >](https://support.stripe.com/questions/refund-a-customer)

</details>

<details>

<summary><strong>What is the ideal workflow when using QuickBooks and Stripe?</strong></summary>

If you are wanting to utilize Stripe but still send your information over to QuickBooks for bookkeeping purposes, we recommend following this workflow:

1. The customer accepts the estimate and an invoice is created.
2. Report all payments directly on the invoice until it is marked Paid.
3. Once the invoice is marked Paid, click the drop-down next to the send button and select **Create Invoice in QuickBooks.**

</details>

<details>

<summary><strong>If I add additional work to an invoice, will it show up in the balance due?</strong></summary>

Yes, if additional work is added to a Paid invoice, the status will be changed to Partial and the Balance Due will update to include the added items. Additional Work added to the estimate will not appear on an existing invoice.

</details>

<details>

<summary><strong>Can I turn Stripe off and on?</strong></summary>

Once you connect to Stripe and enable the payments option in your Account Settings, all customers will have the ability to pay by credit card on any new estimates/invoices **unless you manually turn it off.**

**How to turn off credit card payments on an estimate/invoice:**

1. Click the **sidebar** on the right-hand side of the estimate
2. Click the **Payments & Lending** section
3. **Uncheck** the Allow Payments box.

<figure><img src="/files/j0CLSqHgHtxOsvAHvxLA" alt="Screenshot showing the Payments and Lending section in the sidebar with the Allow Payments checkbox unchecked"><figcaption></figcaption></figure>

</details>

<details>

<summary><strong>How can I verify that a payment has been processed?</strong></summary>

Successful credit card payments are listed in the Payments Table and in the activity log.

If the new payments rollout is enabled on your account, card and ACH payments may first show as **Processing** before they resolve.

</details>

<details>

<summary><strong>What do the different statuses in Stripe mean?</strong></summary>

* **Succeeded:** This payment is complete.
* **Incomplete:** The customer has not properly entered their payment method.
* **Failed:** The payment failed because the issuing bank declined it.
* **Blocked:** This payment failed because Stripe determined it to be too high-risk.

You can view more details about each payment on the payment timeline.

</details>

***

## Financing (Wisetack)

Wisetack is a consumer financing integration that lets your customers pay for painting projects in monthly installments. **The Wisetack integration is only available to companies located in the United States.**

<details>

<summary><strong>How do I add financing options?</strong></summary>

No manual setup is needed per estimate. Once you connect the Wisetack integration, a financing banner automatically appears on all estimates and invoices valued from $500 to $25,000.

</details>

<details>

<summary><strong>How much will this cost me?</strong></summary>

Wisetack charges 3.9% per approved transaction. There is no setup fee, no flat fee per transaction, and no additional credit card processing fees.

</details>

<details>

<summary><strong>How much will this cost my customers?</strong></summary>

It depends on the term length and the customer's eligibility. APR ranges from 0% to 35.9%. For example, a $1,000 purchase could cost $45.18/month for 24 months at 7.9% APR, or $333.33/month for 3 months at 0% APR. All financing is subject to credit approval, and terms may vary. See [wisetack.com/faqs](http://wisetack.com/faqs) for details.

</details>

<details>

<summary><strong>How does my customer get approved?</strong></summary>

Customers see an "as low as" monthly payment calculation beside the job total. They apply directly through Wisetack's short application and receive an instant eligibility response.

</details>

<details>

<summary><strong>How long are financing options?</strong></summary>

Approved customers can choose to pay over 3 to 60 months.

</details>

<details>

<summary><strong>When do I get paid?</strong></summary>

You receive full payment within 2 to 3 business days after your customer confirms the work is complete.

</details>

<details>

<summary><strong>Can my customers apply for financing after the estimate has been approved?</strong></summary>

Of course! Even after they have approved the quote they will still see the financing banner and will still have the option to apply for financing.

</details>

<details>

<summary><strong>Why can't I see Wisetack in my Integrations?</strong></summary>

If you can't find the Wisetack integration in Your Profile > Integrations, reach out via the chat in PaintScout or email <support@paintscout.com> and we'll get it set up for you.

</details>

***

## General

<details>

<summary><strong>How do I get notified when a customer makes a payment?</strong></summary>

Enable the **Payment Received** notification in **Your Profile > Notifications** to receive an email each time a customer pays an estimate or invoice.

<figure><img src="/files/YAPxfMCeYxFBaTQo9jej" alt="Screenshot showing the Notifications settings in Your Profile with the Payment Received toggle"><figcaption></figcaption></figure>

</details>

<details>

<summary><strong>Why don't I see refunds or processing statuses yet?</strong></summary>

The new payments functionality is rolling out in stages. The refreshed table layout reaches everyone first. Refund actions, **Processing** and **Failed** statuses, and some settings and report updates appear later.

</details>

<details>

<summary><strong>Why did my payment fail?</strong></summary>

Payment failures come from the payment processor. Common reasons include insufficient funds, an expired card, or a decline from the customer's bank.

Failed payments only apply to processor-based payments. Manual payments like cash, check, or e-transfer do not fail.

</details>

<details>

<summary><strong>How long can a payment stay in Processing?</strong></summary>

ACH payments can take up to 5 business days to resolve. During that time, the payment may stay in **Processing**.

</details>

<details>

<summary><strong>Can I refund a payment that is still Processing?</strong></summary>

No. Only payments with a **Successful** status can be refunded.

</details>

<details>

<summary><strong>Why can't I send an estimate, invoice, or payment request email?</strong></summary>

If you are unable to send a payment request, estimate or invoice email due to an error with the customer's email address, the document may be using an older version of the contact.

To verify this:

1. Open the estimate or invoice and click **Edit Contact**.
2. If you see an **Update to latest contact** banner, apply it and see if the email address updates.
3. Try sending again.

<figure><img src="/files/Oyt9OwFk1hZ9cOUmteMU" alt=""><figcaption></figcaption></figure>

</details>

<details>

<summary><strong>How to turn off credit card payments on a single estimate/invoice</strong></summary>

You can disable credit card payments on individual estimates or invoices without changing your global Stripe settings.

1. Open the **Payments & Lending** section in the sidebar menu.

   <figure><img src="/files/OxNLMNCHQIG9eOBsHHcO" alt="Screenshot showing the Payments and Lending section in the estimate sidebar menu"><figcaption></figcaption></figure>
2. *Uncheck* the box for **Allow Payments.**

   <figure><img src="/files/Tnrsg9hJO5MwXZNSj0We" alt="Screenshot showing the Allow Payments checkbox unchecked to disable credit card payments on this estimate"><figcaption></figcaption></figure>

This change will **not** be applied to a payment request that has already been sent.

{% hint style="info" %}
Please note this change will *only* apply to this estimate/invoice.

All future documents will continue to populate based on the Stripe settings you have configured in the **Integrations** section.
{% endhint %}

</details>

## Related articles

* [What’s New in Payments](/support/invoicing-and-payments/invoices/whats-new-in-payments.md) — See what is live now and what rolls out later
* [FAQ](/support/resources/frequently-asked-questions.md) — Browse common PaintScout questions by topic
* [Estimates](/support/resources/frequently-asked-questions/estimates.md) — Find answers about estimate sharing, status, and visibility
* [Pricing & Calculations](/support/resources/frequently-asked-questions/pricing-and-calculations.md) — Review common questions about pricing, taxes, and discounts


---

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