Paying by Bank (ACH)

If your studio offers it, you can pay an invoice straight from your bank account instead of a card. This is called an ACH payment. It works a little differently from a card, so here is what to expect.

Bank transfers take a few business days

When you pay by card, the payment is confirmed right away. A bank (ACH) payment is not instant - it takes a few business days to clear. After you submit a bank payment, Trio shows a Payment Processing state rather than a success screen, because the money is still on its way.

During this time:

• Your invoice shows a Payment Processing badge - not "Paid" and not "Overdue".
• The amount you sent appears as Bank payment processing, listed separately from any amount that has already cleared, so you can always tell what has settled and what is still in flight.
• You do not need to pay again - the transfer is already underway.

Your invoice is paid once the transfer settles

An invoice is only marked Paid after the bank transfer settles. Until then it stays open, even though you have already submitted the payment. Once the funds clear, Trio updates the invoice automatically and the payment shows as Paid in your payment history.

This is why the result screen after a bank payment says the payment is processing rather than applied.

If a bank payment is returned

Occasionally a bank transfer can be returned after it looked like it went through - for example if the account had insufficient funds or the bank reversed it. If that happens:

• The payment shows as Returned in your payment history.
• The invoice balance is reopened so it is due again.
• You can pay it again with the same or a different payment method.

If you see a returned payment and are not sure why, your bank can explain the return, and your studio can help you settle the invoice.

Bank autopay starts a few days early

If you set a bank account as your autopay method, Trio starts the transfer a few business days before the invoice due date. This head start lets the slower ACH transfer clear on or around the due date instead of arriving late. Your Billing page shows the number of business days and, when one is coming up, the date the next bank payment is expected to start.

Card autopay is unchanged - cards are charged on the due date itself.

Related

• Viewing & Paying Invoices
• Payment Methods & Autopay