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 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. However, card payments can only be used for vendors who have completed the verification process.  This means the first time you pay a vendor, you will need to pay them with an ACH bank transfer.  Once the vendor has accepted their first payment and completed the payment verification process, you can pay them using a card.   

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. We can also add cards manually when they aren’t on the Plaid network.  Manually added cards display the transactions on a timeline using a CSV import.  Both Plaid verified and Manually added cards must be authenticated through Stripe before you can use the card to make a payment in Pay. 

When making a payment in Fincent, you can select one of your card accounts.

  • If you select a Plaid-verified or manually added card, you’ll be asked to link it to an already verified Stripe card or reconfirm the details so Stripe can authenticate it for payments.

  • Once the card has been verified by Stripe, you can make the payment immediately.

Note: Linking your Plaid-authenticated and manually added cards (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.