You may already be familiar with the payment process in Dubsado: a client is sent your Dubsado invoice and pays it with either a credit card or direct debit, depending on what you have set in Dubsado. With Dubsado Payments connected, accepting card payments follows the same payment standards as Stripe (Dubsado Payments is powered by Stripe). This article summarizes how card payments are handled.
You can also check out how payments work with Dubsado Payments for a broader look at the payment process.
Accepting credit card payments
The credit card types that you can accept from clients depend on Stripe's supported payment processing in your country. Dubsado Payments follows Stripe's accepted payment methods.
The table below lists Stripe's (and therefore Dubsado Payments') approved payments by country:
Countries | Accepted card types |
United States, Canada, Switzerland, United Kingdom, Austria, Belgium, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, and Sweden | Visa, Mastercard, American Express, Discover, JCB, Diners Club, China UnionPay |
Australia | Visa, Mastercard, American Express, JCB, China UnionPay, eftpos |
Hong Kong | Visa, Mastercard, Maestro, American Express, JCB, China UnionPay |
New Zealand, Singapore, Bulgaria, Czech Republic, Hungary, and Romania | Visa, Mastercard, American Express, JCB, China UnionPay |
Croatia, Liechtenstein | Visa, Mastercard, American Express, JCB |
Mexico | Visa, Mastercard, American Express |
United Arab Emirates | Visa, Mastercard |
Transaction limits
Most payment processors have set transaction limits (the maximum payment amount accepted for a single transaction). Transaction limits are determined by Stripe and are dependent on the payment method.
If your clients pay with a card, there is no transaction limit. This means there is no cap on how much you can charge and accept.
Credit card payout speeds
After a client pays you, there are specific timeframes before the funds reach your bank account, known as payout speed. With Dubsado Payments, these timeframes work the same way you'd expect from Stripe.
There are two timeframes to add up before funds reach your bank account:
Settlement time: The time from when a client pays your Dubsado invoice to those funds reaching your Stripe account. This depends on your client's payment method.
Payout time: The time from funds in your Stripe account to transfer to your bank account. This depends on your country.
When your clients pay with a credit card, settlement time usually takes around 1 business day for those funds to reach your Stripe account. Keep in mind that if your client pays you late in the day, the funds may take an extra day to become available for payout.
Stripe provides payout time averages, but the exact time it takes to receive a payout may vary. The table below lists payout speeds by country:
Country | Payout speed |
United States | 2 business days |
Canada | 3 business days |
United Kingdom | 3 business days |
Europe (UK and EEA) | 3 business days |
Australia | 2 business days |
New Zealand | 4 business days |
Brazil | 30 calendar days; 5 calendar days for international charges; 2 business days for Boleto and Pix payments |
Hong Kong | 7 calendar days |
India | 5 business days |
Mexico | 3 business days, if and when eligibility criteria has been met. During eligibility period, 7 calendar days |
Singapore | 7 calendar days |
Switzerland | 3 business days |
United Arab Emirates | 5 business days |
Here's an example if you are based in the United States:
Your client pays a Dubsado invoice on Monday by credit card. You can expect to see those funds in your Stripe account on Tuesday. Later in the day on Tuesday, you transfer those funds from Stripe to your bank account. You can expect funds to arrive in your bank account on Thursday or Friday, depending on how late you initiated the transfer on Tuesday.
Stripe does not facilitate weekend or holiday payouts, which may cause additional time for payouts.
Card payments aren't the only way clients can pay you through Dubsado Payments. Clients can also pay by US bank (ACH), and fees vary depending on which payment method they use.