Get paid before you've packed the van

When a job is done, the invoice goes out as a text with a "Pay now" link instead of a PDF the customer has to print, read and bank-transfer later. They pay on the spot from their phone, the invoice is auto-marked paid in Xero or QBO, and a receipt is texted straight back. Mailing PDFs and waiting on bank transfer is the single biggest cash-flow drag for trades, and this removes the gap entirely. There's no follow-up to forget, because the link does the asking for you.

1. 1

   Job marked complete

   You tick the job off in your tools and the invoice is raised automatically, ready to send as a text rather than an emailed PDF.

2. 2

   Pay-by-link text lands

   The customer gets an SMS with the amount and a 'Pay now' button that opens a secure hosted payment page on their phone.

3. 3

   They tap and pay

   Payment goes through by card, Apple Pay or PayID in seconds, with no bank details to copy out and no transfer to remember later.

4. 4

   Auto-reconciles in Xero or QBO

   The payment clears, the invoice is marked paid against the right record, and your ledger squares itself without manual data entry.

5. 5

   Receipt texts back

   A confirmation and receipt link go straight back to the customer, so they're sorted and you're paid with nothing left to chase.

• r/stripe

  'Options for paying by a link' — discussing hosted payment URLs vs invoices.

• r/stripe

  Contractor asking how to attach a Stripe payment link to a proposal.

• r/passive_income

  'I'm owed $47K in unpaid invoices because i forget to follow up.'