Operations

Card, ACH, or tap-to-pay. Straight to your bank.

Powered by Stripe at pass-through pricing. No lock-in, no per-transaction markup from Ratchly.

Invoice with a Stripe payment link ready to send.
The problem

'We only take checks' loses you customers.

Homeowners want to pay how they pay everything else: card, tap, or bank transfer. Cutting checks and driving to the bank is dead.

  • Losing jobs to competitors who accept card on the spot
  • Manual check-chasing at month end
  • High processing fees from card-swipe terminals
How Ratchly solves it

Stripe under the hood. Your logo on top.

Every invoice has a Pay Now button. Customer pays by card, ACH, or Apple/Google Pay. Stripe deposits straight to your bank — Ratchly never touches the money.

Pass-through Stripe pricing

You pay what Stripe charges. Ratchly adds zero on top.

Deposits and partial payments

Take 50% up front on an install, balance on completion.

Auto-reconciliation

Paid invoices update the moment Stripe confirms — no manual matching.

Tap to pay on the truck

Techs collect card payments from the mobile app using the phone's NFC reader.

Walkthrough

See it in the real product.

Every screenshot below is a live capture from a Ratchly account — not a mockup.

See what's outstanding at a glance

The money-at-risk strip surfaces overdue and awaiting-payment totals right on the dashboard.

Money at risk strip on owner dashboard

Invoice payments status

Filter by paid, partial, or overdue — click through to any invoice.

Invoices list filterable by payment status
Benefits

What it means for your shop.

  • Cut days-to-cash by 60 – 80%
  • No hardware to buy — the tech's phone is the terminal
  • Never touch a check book again
FAQ

Payments — quick answers.

What are Stripe's rates?

Standard Stripe rates — around 2.9% + 30¢ for cards, and much less for ACH. See stripe.com for current pricing.

Can I add a surcharge for card fees?

Yes, where legal. Ratchly supports card-fee pass-through on a per-invoice or per-customer basis.

Related features

Operations

Invoices

One-tap invoicing from any completed job. Branded PDF, live payment link, automatic dunning.

Learn moreOperations

Estimates

Good / Better / Best on one page, sent by SMS, signed on the customer's phone, converted to an invoice the same afternoon.

Learn moreCustomer Experience

Memberships

Sell maintenance plans, bill them automatically through Stripe, and let Ratchly schedule every visit window.

Learn more

Try Payments in your shop this week.

14-day free trial. No credit card. No sales call. Cancel any month.