Article Content:
Overview
🖥️ Desktop only. The Payments section is only available on the Rebolt desktop (web) app. It is not accessible from the mobile app.
Rebolt Pay is the built-in payment processing system that lets your clients pay invoices directly through Rebolt — by credit card, debit card, or ACH bank transfer.
Funds are deposited directly to your connected bank account.
Rebolt Pay is available to US-based businesses only. International merchants are not currently supported.
To accept payments, you must first apply for and be approved for Rebolt Pay. You can check your application status from the Payments section of your dashboard.
Processing Fees
Rebolt Pay charges a per-transaction processing fee based on payment method:
Payment Method | Processing Fee |
Credit Card | 2.9% + $0.30 per transaction |
Debit Card | Varies by issuing bank |
ACH / eCheck | 1% + $0.30 per transaction |
These fees are deducted from each payment before it's deposited to your bank account. For example, a $1,000 credit card payment results in approximately $970.70 deposited ($1,000 − 2.9% − $0.30).
Payout Timing
Once a client completes a payment through Rebolt Pay, here's when to expect funds in your bank account:
Payment Method | Typical Payout Time |
Credit / Debit Card | ~3 business days (T+1 processing + bank transfer) |
ACH / eCheck | ~7 business days (T+4 processing + bank transfer) |
The Paid card on your Invoices dashboard shows payments that are in-transit and processing — it resets as funds clear, so it reflects what's incoming, not a cumulative total. If a payout seems delayed beyond these windows, contact Rebolt Support.
Checking Individual Payment Status
To see the status of a specific customer's payment, open the Payments section on desktop:
Open Rebolt in a desktop or laptop browser
Click Payments in the left sidebar
The Payments tab is selected by default — you'll see a list of all payments
Each row shows:
Customer — who paid
Created — when the payment was submitted
Expected Deposit — when the funds are expected to arrive in your bank
Type — Payin (money coming in)
Status — Succeeded or Failed
Amount — the payment total
Click any payment row to see full details, including the card used, exact timestamp, and — if the payment failed — the Refusal Reason and Detailed Refusal Reason (e.g., "Declined – Over limit").
If a payment shows "Failed": The customer's card was declined. The invoice will remain as Awaiting Payment. The customer will need to retry with a different card or payment method. Common reasons include "Over limit," "Insufficient funds," or "Card declined."
Checking Your Deposits
To see the status of your payouts and confirm which bank account is receiving funds, go to the Deposits tab in Payments on desktop:
Open Rebolt on a desktop or laptop browser
Click Payments in the left sidebar
Click the Deposits tab at the top
The Deposits tab shows:
Created — when the deposit was initiated
Status — e.g., Succeeded, Pending, Failed
Amount — the deposit total
Method — the bank account receiving the funds (shows last 4 digits)
ID — the deposit reference ID
Tip: The Method column shows the bank account your payouts are going to. This is the account you connected when you applied for Rebolt Pay.
If a deposit shows Succeeded, the funds have been sent to your bank — allow 1–2 business days for your bank to reflect the balance if you don't see it immediately.
Supported Payment Methods
Clients can pay invoices using:
Credit Card — Visa, Mastercard, American Express, Discover.
Debit Card — processing fee varies by issuing bank and is always deducted from your payout (cannot be passed to the customer — see Surcharging section).
ACH / eCheck — bank account transfer, lower fee, longer settlement time.
Cash — collected in person; record it manually via Mark as paid on the invoice.
Check — collected in person; record it manually via Mark as paid on the invoice.
Cash and check payments are not processed through Rebolt Pay. They're recorded manually for your records only. See Invoices Tab for how to mark an invoice as paid.
Passing Fees to Customers (Surcharging)
You can enable client surcharging to pass credit card processing fees on to your customers instead of absorbing them yourself. When enabled, the processing fee is added to the client's total at checkout as a separate line item — it's always displayed transparently rather than being built into invoice prices. This is a Visa network requirement; the surcharge cannot be hidden or pre-rolled into your line item pricing.
Important — Debit Cards: Even with surcharging enabled, processing fees on debit card transactions cannot be passed to the customer. Under US federal law (the Durbin Amendment), surcharges on debit cards are prohibited. Rebolt automatically blocks surcharges on debit transactions to protect your business from network fines. The processing fee for debit payments is always deducted from your net payout.
How to Enable Surcharging
Go to Settings → Payments and toggle on the client surcharging option.
BIN Lookup Fee
When surcharging is enabled, a BIN lookup fee of $0.08 is charged each time a client types 8 or more digits of a credit card number at checkout. This is a compliance requirement — Rebolt must verify whether the card is a credit or debit card before applying a surcharge.
Each card entry attempt = $0.08 (e.g., if a client tries two cards, the fee is $0.16).
These fees appear on your deposit report labeled as BIN lookup fee.
If the card is identified as a debit card, no surcharge is applied — but the BIN lookup fee still applies, and the processing fee is deducted from your payout.
Heads up: BIN lookup fees are small but appear on your bank deposit report. If you see unfamiliar small charges labeled "BIN lookup," this is why.
Applying for Rebolt Pay
To start accepting payments, you need to apply for Rebolt Pay from your dashboard. The application collects information about your business to verify your identity and set up your payment account.
Requirements
US-based business (international not supported)
Active business entity (LLC, sole proprietor, corporation, etc.)
Valid business bank account for deposits
Government-issued ID for identity verification
Application Status
You can check your application status at any time from the Payments section of your dashboard (desktop only). Approval typically takes 1–2 business days after submission. You cannot receive payment collection through Rebolt until approved — but you can still create and send invoices for record-keeping.
Tip: Start your Rebolt Pay application as early as possible. Approval can take a day or two and is a prerequisite for collecting any card or ACH payments through Rebolt.
FAQ
I have surcharging enabled but still got charged a processing fee on a customer's payment. Why?
Your customer likely paid with a debit card. Under US federal law (the Durbin Amendment), processing fees on debit card transactions cannot be passed to the customer — even if surcharging is enabled. Rebolt automatically blocks surcharges on debit payments to keep your business compliant. The fee is deducted from your net payout instead. Debit card fees vary by the customer's issuing bank.Can I access Payments from the mobile app?
No — the Payments section (including the Payments list, Deposits, Chargebacks, and Settings) is only available on the Rebolt desktop app. Open Rebolt in a browser on your laptop or computer.My customer says they paid but the invoice still says "Awaiting Payment." What happened?
On desktop, go to Payments → Payments tab and find the customer's name. Check the Status column. If it shows Failed, the payment was declined — click the row to see the refusal reason. The customer will need to retry with a different payment method. If it shows Succeeded, the payment is processing and the invoice should update shortly.How do I see where my money was deposited?
On desktop, go to Payments → Deposits tab. The Method column shows the bank account (last 4 digits) that received each deposit.My deposit shows "Succeeded" but I don't see it in my bank yet.
"Succeeded" means the funds left Rebolt and were sent to your bank. Allow 1–2 business days for your bank to post the balance. If it's been longer, contact Rebolt Support.Can I accept Venmo or Apple Pay?
Not currently. Accepted payment methods are credit/debit card and ACH through Rebolt Pay, plus cash and check recorded manually.Does the surcharge show as a separate line item at checkout?
Yes — always, for credit card transactions. The fee is never built into invoice prices. Debit card transactions are exempt from surcharging by law — the processing fee is deducted from your payout instead.Can clients save a payment method for future invoices?
Yes — clients can save their payment method when paying through the portal. This speeds up future payments and opens the door for automatic recurring invoice payments.Does Rebolt integrate with QuickBooks?
Yes — Rebolt has a QuickBooks Online integration. It syncs clients, invoices, and payments from Rebolt into QBO (one-way push), so your accountant always has an up-to-date view without manual entry. Enable it from Settings → System → Connections.Can I offer financing to my clients?
Rebolt does not have a native financing integration at this time. You can direct clients to a third-party financing provider and record the payment manually once received.Is Rebolt Pay available outside the US?
No — Rebolt Pay currently supports US-based businesses only.What if a client's payment is delayed?
Check the payout timing table above first. If you're past the expected window, contact Rebolt Support with the invoice number and client name.Do clients receive a receipt after paying?
Yes — clients receive an email confirmation once their payment is processed.