Paying by Bank
By Trio Team · Updated
If your studio offers it, you can pay an invoice from your bank account instead of a card. This is a bank payment (ACH). It works a little differently from a card.
Bank payments take a few business days
A card payment is confirmed at once. A bank payment takes a few business days to reach your studio. After you pay from your bank, Trio shows Payment processing instead of a success screen, because the money is still on its way.
During this time:
- Your invoice shows a Payment Processing badge next to its status. It is not "Paid".
- The amount you sent appears as Payment processing, listed separately from any amount that has already cleared, so you can always tell what has reached the studio and what is still on the way.
- You do not need to pay again - the transfer is already underway.
If your bank payment covers the whole balance, the invoice does not become "Overdue", you get no payment reminders, and no late fee is added while the transfer clears.
If your bank payment covers only part of the balance, the rest is still due. After the due date, the invoice can become "Overdue" and a late fee can be added. Any reminder or notice states only the amount your payment does not cover.
If the invoice was already "Overdue" when you paid, it keeps the "Overdue" status and shows the Payment Processing badge next to it. No late fee is added while your payment covers the balance.
Your invoice is paid when the money arrives
An invoice is marked Paid only after the bank payment reaches your studio. Until then it stays open. When the money arrives, Trio updates the invoice and the payment shows as Paid in Payment History.
If your bank returns a payment
Sometimes a bank sends a payment back after it looked like it went through. Then the payment shows as Returned in Payment History, and the invoice is due again. What happens next depends on the reason:
- Not enough money in the account. Trio tries the payment again, up to 2 more times.
- The account is closed, does not exist or has a wrong number, or you cancelled the permission. Trio turns off that bank account. Pay with another method, and link a bank account again if you want to.
- Any other reason. Trio makes no second try. Pay the invoice yourself.
Your bank can tell you why it returned the payment. Your studio can help you pay the invoice.
A saved bank account can also show Re-authorize in your payment methods. See Payment Methods & Autopay.
Will Trio retry a returned payment?
Only when the bank returned it for not enough money. Then Trio tries up to 2 more times. For every other reason, pay the invoice yourself.
Bank autopay starts early
If your autopay method is a bank account, Trio starts the payment 5 business days before the invoice due date, or earlier if your studio charges earlier. This lets the payment reach your studio on or before the due date. When a bank payment is coming up, the Billing page shows when it can start.
Card autopay is unchanged - cards are charged on the due date itself.