Accept card and ACH payments
Clients pay through a secure link by credit card or ACH bank transfer. Funds go directly to your Stripe account. No manual reconciliation.
Send an invoice. Get paid the same day.
Create professional invoices, accept credit card and ACH bank transfer payments online through Stripe, set up recurring billing with autopay, and let collections workflows chase overdue balances for you.
Invoicing & Online Payments
What's included
Recurring invoices with autopay
Set up monthly retainers or payment plans that bill automatically. Clients save a payment method once and never miss a payment.
Automated collections
Build reminder workflows that follow up on overdue invoices for you. Set timing, escalation rules, and let Ratio handle the chase.
Partial payments and payment plans
Split large projects into deposits and milestones. Clients pay incrementally as work progresses. Track outstanding balances in real time.
Time tracking to invoice
Start a timer from anywhere, track billable hours by project, and convert tracked time into invoices with one click. Hours, rates, and line items populate automatically.
Pass-through or absorb processing fees
Choose whether you eat the processing fees or pass them to your clients. Configurable per workspace with full state-by-state compliance.
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Frequently asked questions
Does Ratio accept credit card and ACH payments?
Yes. Ratio processes card and ACH bank transfer payments through Stripe. Funds settle directly to your Stripe account with no manual reconciliation.
Can I set up recurring invoices and autopay in Ratio?
Yes. Create recurring invoices for monthly retainers or payment plans. Clients save a payment method once, and subsequent invoices charge automatically. Failed payments surface in the receivables view.
How does Ratio handle milestone billing and payment plans?
Split large projects into deposits, milestones, and final balances. Payment plans support custom schedules with any number of installments. Outstanding balances and paid amounts update in real time.
Can I pass processing fees to my clients?
Yes. Each workspace can choose to absorb processing fees or pass them to the client. The setting is state-by-state compliant for surcharge rules.
Does Ratio have automated collections for overdue invoices?
Yes. Build multi-step reminder sequences with escalation rules, approval gates, and timing you control. When the invoice gets paid, the sequence stops automatically.