Online Payments with Stripe
Quicken Business & Personal Only
Overview
Stripe integration helps you get paid faster and reduces the work of tracking invoice payments.
Stripe integration lets your clients pay invoices online using credit cards, debit cards, or bank transfers (ACH). When a client pays through Stripe, Quicken Business & Personal automatically records the payment and marks the invoice as paid—so you don’t have to enter payments manually.
Stripe is a payment processor that securely collects payments from your clients and transfers the funds to your business bank account.
To begin, You’ll need a Stripe account and an invoice workflow set up in Quicken Business & Personal.
Why Online Payments Matter
Accepting online payments can improve both your cash flow and your workflow.
Get paid faster
Clients can pay as soon as they receive the invoice—no checks, no extra steps, no delays.
Reduce manual work
Payments are automatically applied to the correct invoice, which saves time and reduces follow-up tasks.
Create a more professional client experience
Many clients expect the convenience of paying online, especially for service-based businesses.
Improve accuracy
Manual payment entry can lead to errors like applying the wrong amount or missing a payment. Stripe automation helps prevent that.
See clear payment status at a glance
You can quickly identify which invoices are paid, pending, or overdue without checking multiple systems.
How Stripe Payments Work
Once Stripe is connected, the invoice-to-payment flow is simple:
You send an invoice
Create and send an invoice in Quicken Business & Personal. If online payments are enabled, the invoice includes a payment link.Your client pays online
Your client clicks the link and pays through Stripe’s secure checkout page using card or ACH.Quicken records the payment automatically
The payment appears in Quicken Business & Personal and is applied to the correct invoice.Stripe deposits the money to your bank
Stripe transfers funds to your business bank account based on your payout schedule.
Note: Stripe processing fees are deducted before funds reach your bank. For details on how fees appear in Quicken, see Understanding processing fees below.
Understanding Processing Fees
Stripe charges a processing fee per transaction, and that fee is deducted before the money reaches your bank account.
In Quicken Business & Personal, Stripe payments may appear as a split so your records stay accurate:
Invoice payment (full amount): applied to the invoice
Stripe fee: recorded as an expense
Net deposit: what you actually receive
Example
A client pays a $1,000 invoice by card. Stripe fee is $29.30.
You’ll see:
$1,000.00 applied to the invoice (income)
-$29.30 recorded as a Stripe fee (expense)
$970.70 deposited to your bank (net)
This helps you track:
your true revenue ($1,000)
your payment costs ($29.30)
your actual cash received ($970.70)
Stripe Accounts and Business Setup Guidelines
One Stripe account per business
Each business in Quicken Business & Personal connects to one Stripe account. If you manage multiple businesses, connect a separate Stripe account for each business to keep payment tracking clean.
Only Quicken invoice payments auto-apply
Payments made through invoices sent from Quicken Business & Personal will automatically download and apply to invoices. Payments you take through Stripe outside of Quicken (like an online store or Stripe’s own invoicing tools) won’t automatically match to Quicken invoices.
You can connect an existing Stripe account
If you already use Stripe, you can link that account to Quicken Business & Personal and continue using it.
Payment Methods Your Clients Can Use with Stripe
Stripe supports multiple ways for clients to pay. You control which options to offer.
Credit and debit cards
Fastest option for clients
Typically deposited sooner
Usually higher processing fees
Example: A client pays immediately by card after receiving the invoice, helping you close the loop quickly.
ACH bank transfers
Lower fees for many businesses
Takes longer to complete
Can fail if funds aren’t available
Example: A client pays a large invoice by ACH to reduce processing fees, even if it takes a few extra days.
Per-invoice flexibility
You can choose payment options per invoice depending on the situation.
Example: You accept cards for small invoices, but enable ACH-only for a $10,000 invoice to minimize fees.
When Stripe is Most Useful
Recurring client billing
A consultant sends monthly retainers. Clients pay online, invoices update automatically, and the business owner gets real-time visibility into cash flow.
Project-based work
A designer invoices at project completion. Stripe reduces delays by letting the client pay instantly.
Deposits and final payments
A contractor invoices for a deposit and later a final payment. Each invoice shows clear payment status without manual tracking.
Multiple businesses
An owner runs two businesses and keeps payments separated by connecting different Stripe accounts per business.
Reducing payment delays
If clients tend to pay late, adding an online payment link removes friction and often shortens the time-to-payment.
Best Practices for Using Stripe
Enable online payments intentionally
You don’t have to offer Stripe on every invoice. Some clients may prefer checks or wire transfers.
Plan for fees
If most clients pay by card, build processing costs into your pricing—or encourage ACH for larger invoices.
Set clear payment expectations
A short note on the invoice or in your email helps clients choose the right option (for example: “Pay online using the link, or mail a check if you prefer.”)
Use ACH when timing isn’t urgent
ACH can reduce fees, but it’s slower. If timing matters, card payments are often the better choice.
Use Stripe for payment troubleshooting
Disputes, failed payments, refunds, and payout timing are managed through your Stripe dashboard.
Common Scenarios
Partial payments
If a client pays part of an invoice, Quicken shows the remaining balance due. When they pay the rest, it applies to the same invoice automatically.
Refunds
Refunds are processed in Stripe and will appear in Quicken Business & Personal so your records stay aligned.
Failed or disputed payments
These are handled in Stripe. Quicken reflects the result so your invoice status and income reporting stay accurate.
Client pays by check instead
That’s fine. You can still record a manual payment even if the invoice originally included a Stripe link.
Bottom Line
Stripe integration helps you get paid faster and reduces the work of tracking invoice payments. Your clients get an easy online checkout experience, and you get automatic payment recording, fewer errors, and clearer visibility into your cash flow.