What card processing fee do I pay?

You pay your processor's standard rate — typically 2.9% + $0.30 for Stripe or 2.6% + $0.10 for Square keyed transactions. Glo Invoice adds 1% on Pro plans and 0% on the 14-day free trial.

Do I need a merchant account?

No. Stripe and Square onboard you as a sub-merchant in about 3 minutes. You'll need your business name, EIN or SSN, and a bank account for payouts.

How fast do I get the money?

Standard payouts are 1–2 business days. Instant payouts are available on both Stripe and Square for an extra fee.

Can customers pay without an account?

Yes. There's no signup, no login, no app to install. They tap the link, enter a card, and get an emailed receipt.

What about disputes and chargebacks?

Stripe and Square handle chargeback correspondence. Because every invoice includes signed line items, photos, and a delivery-confirmed pay link, dispute win rates are unusually high.

Accept credit card payments on your invoices

You don't need a card reader, a merchant account application, or a Point‑of‑Sale terminal to take a card payment on an invoice. If you can send a text message, you can accept a credit card.

Glo Invoice generates a secure pay link on every invoice. Your customer taps it, punches in a Visa, Mastercard, Amex, or Discover, and the payment lands in your connected bank in one to two business days.

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How Glo Invoice does it

One link, every major card brand

The same pay link accepts Visa, Mastercard, American Express, Discover, and international cards. There's no separate flow, no toggle to remember, and no surprise decline for the customer trying to use their Amex points card.

Visa, Mastercard, Amex, Discover, JCB, Diners
3D Secure 2 handled automatically for EU/UK cards
AVS, CVV, and Radar fraud checks built in

No hardware, no monthly fee

Card acceptance is powered by Stripe or Square Connect — you keep 100% of what you charge minus processing. Glo Invoice adds only a 1% platform fee on paid Pro plans, and no fee at all when you're on the 14-day free trial.

Pay-as-you-go — no monthly card processing minimum
Funds settle to your bank in 1–2 business days
Refunds initiated straight from the invoice

See exactly when the card cleared

Every card payment updates the invoice from Sent → Viewed → Paid in real time. You get a push notification the second Stripe confirms the charge — no more calling the customer to ask if they paid.

Live sent-seen-paid timeline on every invoice
Push, SMS, and email receipts to the customer
Automatic reconciliation with your bank feed

How it works

Step 1
Connect a processor
One-tap Stripe Connect or Square OAuth from Settings → Payments. Onboarding takes about 3 minutes.
Step 2
Create the invoice
Pick a customer, tap in line items. The pay link is added automatically.
Step 3
Send it over text
Customer taps the link, chooses card / Apple Pay / Google Pay, and pays.
Step 4
Get paid
Funds land in your bank in 1–2 business days. Invoice goes green.

Built for anyone who bills between $50 and $50,000 per invoice

Contractors, mobile mechanics, cleaners, lawn care crews, freelancers, salon owners, tutors, event vendors — if the customer is standing in front of you or on the phone, this is the fastest way to close.

Contractors Mobile mechanics Lawn care Cleaning services Beauty pros Freelancers

Frequently asked

Related in Glo Invoice

Stripe invoicing Square invoicing Apple Pay on invoices Google Pay on invoices ACH bank payments Online payment links How to accept credit card payments Payment tracking

Take your first card payment today

Sign up, connect Stripe or Square, and send an invoice. Most Glo Invoice users take their first card payment within 15 minutes.

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