Fincent supports ACH bank transfers as well as credit and debit cards for payment. 

You must be on Fincent’s Starting, Growing or Thriving plan and join our closed beta to make payments.

Pay by ACH Bank Transfer  

Bank account transfers are made using an ACH debit. It’s free. You’ll need to authenticate your bank account through our trusted partner, (Plaid) to make payments.

Note:  Ensure your bank account is set to allow ACH debits. Some banks set ACH limits, too.  

Fincent allows your vendors to receive ACH bank transfers of up to $50,000 per transaction and $100,000 weekly. However, the payment will fail if your bank’s ACH limit is less than this.  

Pay with a Credit/Debit Card 

You can use a credit or debit card to make payments. We use Stripe for secure payment processing and Plaid to securely access your card information (transactions and balances on Timeline). 

Cards added in Settings are authenticated by Plaid to display your transactions on Timeline. These cards must be authenticated through Stripe before you make a card payment. 

When making a payment in Fincent, you can select one of the cards you’ve already authenticated through Plaid. We will ask you to reconfirm your card details so Stripe can authenticate it for payments. If you have already verified the card through Stripe, we will try to match the cards.

Note: Linking your Plaid-authenticated card (used for Timeline) with the card information authenticated by Stripe (used for payment processing) ensures they are assigned to the same QuickBooks Online (QBO) financial account. This helps Fincent make sure Timeline and Pay transactions go to the same place in QBO.

Credit and debit card payments incur a 3% + $0.30 fee.