> ## Documentation Index > Fetch the complete documentation index at: https://help.fieldpulse.com/llms.txt > Use this file to discover all available pages before exploring further. # FieldPulse Payments Overview > See how FieldPulse Payments lets you accept card and ACH payments, track them in the payment portal, and turn on next-day funding and card fee recovery. > **Who uses this:** Administrators; Team Managers and Service Agents when an Administrator turns on **Accept FieldPulse Payments** for them in User Feature Permissions (**Company Settings › User Accounts**); Limited Agents cannot take payments. **Availability:** Businesses located in the United States, on an approved FieldPulse Payments merchant account. [FieldPulse Payments](https://www.fieldpulse.com/features/fieldpulse-payments) is the in-house FieldPulse payment processor for accepting credit card and ACH payments inside FieldPulse. Because the processor is part of the platform, there are no separate logins or individual payment accounts to set up for each team member, and every payment is linked to the [invoice](https://www.fieldpulse.com/features/estimates-and-invoices) it belongs to. ## Overview The workflow breakdown FieldPulse Payments solves is the gap between the payment and the record. When a customer pays through a separate processor, someone has to match that deposit back to the right invoice later. With FieldPulse Payments, the payment and the invoice live in the same place — the invoice status updates and a payment record is created without extra data entry, and each payment carries its projected deposit date. FieldPulse Payments includes two optional tools you can turn on: * **Next-Day Funding** — next-business-day deposits on card and validated ACH payments. * **Card fee recovery** — pass card processing costs on to customers as an upfront flat fee or percentage, shown on the invoice. See [Setting Up Card Fee Recovery](/payments/getting-started/card-fee-recovery). To get started with FieldPulse Payments, or to turn on either tool, email [payments@fieldpulse.com](mailto:payments@fieldpulse.com). ## How it works FieldPulse Payments works in four stages: you apply for a merchant account, accept payments against an invoice, receive your deposits, and track both in the payment portal. ### Apply for a merchant account FieldPulse Payments runs on a merchant account you apply for from inside FieldPulse, in **Company Settings › Features & Plugins** on the **FieldPulse Payments** tile. The application requires a credit check, and within 3 business days you receive a notification telling you whether the application was accepted, rejected, or needs more information. Once the application is accepted, you choose which user roles have access to FieldPulse Payments, and you can customize access for each specific user in **Company Settings › User Accounts**. That access covers both taking payments and issuing refunds. > **Apply for FieldPulse Payments today.** [Setting Up FieldPulse Payments](/payments/getting-started/applying) covers the application form, every application status, and what to do about a Request for Information. ### Accept payments three ways Once FieldPulse Payments is active, you can collect a customer payment three ways: * Email an online payment request from the web app or the mobile app. The customer receives a **Pay Invoice By Credit Card** button in the email and pays by credit or debit card or by bank transfer (ACH). * Process the payment on the FieldPulse mobile app for iOS and Android. The card details can be typed in, scanned with the device camera, or swiped. * Process the payment on the web app, which is the usual choice for a payment taken over the phone. When the payment is processed, the invoice status changes to **Paid** — or **Partially Paid** if you collected part of the balance — and a payment record is added under **Payments** on the invoice record. Payment request email to a customer with a green Pay Invoice By Credit Card button Invoice record with Status set to Paid and the Payments tab highlighted On the mobile app you can also send the payment request from the invoice preview. Open the invoice from the **Sales** tab, select **Actions**, and then: 1. Select **Generate Preview**. Mobile Available Actions sheet with Generate Preview highlighted, above Generate Work Order PDF and Generate Invoice Receipt PDF 2. Review the invoice, then select **Send**. Mobile invoice preview on the Dynamic Invoice tab, showing the invoice total above the green Send button 3. Select **Email to Customer**. Mobile Available Actions sheet with Email to Customer highlighted, above SMS to Customer, Share/Print, and Copy URL 4. Toggle on **Include Payment Request**, **Credit/Debit Card**, and **Bank Transfer** (if applicable), then select **Send**. Mobile Send Invoice Email screen with Include Payment Request and Credit/Debit Card toggled on and Bank Transfer off, above the Payment Request Amount field For the step-by-step instructions for each method, see [How to Collect Payments: 3 Methods](/payments/collecting/collecting-payments-3-methods).