# Card and ACH checkout on invoices

> A Stripe checkout link on an invoice — card or bank debit — posted to the books when the money arrives.

Section: Settings and administration · Canonical: https://intubu.intuitivecapital-dai.com/docs/online-payments

Settings → Payments, and "Request payment" on any open invoice.

**How it works.** You connect your own Stripe account once. On an invoice, *Request payment* creates a hosted checkout link; you paste it into your email. The customer pays by card or by ACH bank transfer. The card number never touches IntuBu.

**Money goes to you.** This is Stripe Connect: the account is yours, payouts land in your bank. IntuBu holds only a token that can create checkouts on it.

**When is it recorded?** When the money is actually received:
- A **card** payment posts the moment it succeeds.
- An **ACH** transfer sits at *processing* until it settles — usually 3–5 business days — and is recorded only then. A debit can bounce in that window, and marking it received early is the classic way to book income that never arrives.

**What posts.** The gross payment settles the invoice into a **Stripe Clearing** account. The processing fee posts to **Merchant Processing Fees** against clearing. What is left in clearing is exactly what Stripe's payout will bring to your bank, which is what makes the bank line reconcile.

**Ways to pay.** Card is on by default. ACH is opt-in under Settings → Payments, because the settlement delay is a trade-off you should choose. ACH is US-dollar only.

**A link you sent by mistake** can be withdrawn while it is still open. A payment that is already settling cannot be stopped from here — it will post when it clears, or fail on its own.

**If webhooks cannot reach this server** (a laptop, a strict firewall), the *Check* button on a request asks Stripe directly and posts it through the same path.

**If payment links are not offered yet**, online payments are not switched on for this installation; every payment screen says so rather than pretending, and invoices can still be paid and recorded the ordinary way.