Updated June 18, 2025

When you’re connected with Dubsado Payments, you’ll have two primary options for accepting payments from clients: credit card payments and ACH (bank transfer) payments.

Deciding what types of payments to accept can be tricky, but we’re here to help!

Let’s dive into the details.

Accepting credit card payments with Dubsado Payments gives you the most flexibility when looking to accept payments.

Currently, merchants in 40 countries can accept some form of credit card payment. The types of credit cards that can be accepted vary by each merchant’s country, but accepting credit card payments will allow you to process payments from clients all over the world.

Most payment processors have transaction limits, determined by the country and card used by the client. With credit card payments through Dubsado Payments, there is no limit! You’ll be able to process an unlimited amount of funds.

Another great thing about accepting credit card payments is that the transaction are settled quickly! Settlement time will vary by country and day of the week the payment was made, but credit card payments can be settled as quickly as 1 business day.

While credit card payments have near-global availability and quick settlement time, they do have one drawback: processing fees.

The processing fees associated with credit cards vary somewhat widely based on a number of factors, like merchant country, card type, and the client’s country, but these fees usually fall somewhere between 2-4% of the payment amount. While these fees are only a small portion of each individual transaction, they can add up.

For a full breakdown of Dubsado Payments credit card fees, supported countries, and supported card types, check out the Dubsado Payments processing fees article.

ACH payments have more limitations compared to credit card payments. But, ACH payments are fantastic for reducing your payment processing fees!

First and foremost, Dubsado Payments only allows ACH payments to be received by merchants based in the United States from clients with a US bank account. Dubsado Payments uses Stripe’s Financial Connections tool to allow your clients to securely pay via ACH, which can link to approximately 5,000 financial institutions - representing more than 90% of bank accounts in the United States. US-based businesses can accept ACH payments by any client with an eligible US bank account.

As soon as you’re connected with Dubsado Payments, you’ll be able to process up to $20,000 per week. And, should you process more than $20,000 per week, Dubsado can help get your limit increased.

This is fantastic, since ACH payments have a much lower processing fee! ACH payments have a processing fee of 0.8%, with a cap at $5.00. On a payment of $20,000, the fees you’d be paying on an ACH payment are almost 100 times lower than if you processed the same transaction with a credit card.

Since an ACH payment is a bank transfer and the funds must be fully cleared in order to be sent to your bank account, funds from ACH payments take a bit longer than credit card payments to settle. Typically, ACH payments will settle in about 4 business days. After the funds have settled, the additional time for the funds to reach your bank account is determined by the country you’re in.

Here’s a quick cheatsheet that compares credit card payments to ACH payments. Settlement time and credit card fees have been approximated.

Check out these articles for more information:

For a detailed view of all fees associated with Dubsado Payments:

We will be working to add additional payment options to Dubsado Payments like Apple Pay, Google Pay, local payment methods like BACs, BECs, PADs, and SEPAs.

After a client pays you, there are two timeframes to add up before funds reach your bank account:

The combination of settlement time and payout time is known as payout speed. Check out our article on payout speed for a more information.