start getting paid faster than ever, and
never chase down a check again, ever.
Get easy, fast & secure digital payments for your business. Accept credit cards or e-checks, via invoice or in person with just your phone. Hearth Digital Payments help you get paid faster, reduce friction for customers, and automate your cash flow.
Total processed through Hearth
Card payments processed
ACH (eCheck) payments processed
digital payments in 3 quick steps
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Proud to help real business owners
The Smartest Way for Contractors to Get Paid
say goodbye to chasing checks
Eliminate hours spent waiting for mailed or hand-delivered payments.
competitive transaction rates
2.69% card-present, 2.99% invoice card payments, ~1% for ACH.
automated reminders & tracking
Hearth follows up for you and shows payment status in your dashboard.
faster than ever processing
Card payments settle in 1–3 business days, ACH in up to 4.
offer payment methods customers want
Explore monthly payment options through financing with your phone.
Secure and professional payments
Give customers a trustworthy payment experience with bank-level security and clean, branded invoices.
Hearth Digital Payments gives contractors the tools to get paid faster, more reliably, and with less hassle. From instant card and ACH payments to automated reminders and real-time tracking, every feature is designed to eliminate payment delays, reduce admin work, and keep your cash flow moving. It’s the quickest, easiest way to turn finished jobs into money in the bank.
Multi-Location Business Management
Give your sales team a real advantage
Hearth’s scheduling tools make it effortless to organize your calendar, streamline team assignments, and keep customers informed from booking to job completion. Reduce missed appointments and confusion with unified calendars, automated reminders, and seamless customer notifications, all in one easy-to-use platform.
“It’s Easy to use”
Risen Foundation Solutions has financed $1.2 million in projects since partnering with Hearth in 2020. Thanks to Hearth’s soft-pull pre-qualification process, they can offer flexible monthly payment options from a network of up to 17 lenders — even for customers with FICO scores as low as 550. By avoiding per-project dealer fees, Risen keeps their cash flow strong while making high-ticket work more accessible.
FREQUENTLY ASKED QUESTIONS
Your Top Questions, Answered
Everything you need to know about how Hearth’s customer-financing works, how to offer it, how customers apply, and what to expect when getting started.
When you automatically schedule invoices to send when a customer approves a quote, signs a contract, or finances their project, you cut out the lag time and collect payment faster. Hearth also send automatic reminders to your customers to pay your invoices, which means you never forget to follow up with your customers. With digital payment collection, you give your customers the convenience and ease of paying digitally for their project to speed up time to getting paid.† 0% introductory APR credit cards are an add on to the Hearth membership. Speak with a Hearth account executive at 512-686-4141 for more information.
Yes, Hearth partners with Stripe to ensure your and your customers’ digital payment security. Stripe is a certified PCI Service Provider Level 1, which is the highest level of security certification available in the payments industry.
If you are a new customer, Hearth will automatically apply your business for digital payments during the onboarding process. We will then notify you if you have been approved, rejected, or if there is information in need of correction. Once approved, your business can begin sending invoices with digital payment collection ASAP.
To offer customer financing:
Yes, you have the option to schedule an invoice to send when you are drafting your quote, contract, or financing form to send. This invoice will automatically send to your customer after they approve the quote, sign the contract, or finance their project. If you are approved to use digital payments, you can also collect payment from your customers in the invoice. Accepted digital payment methods can include credit card, debit card, and ACH (eCheck).
The processing times are 1–3 business days for credit card and debit card payments, and 4 business days or fewer for ACH (eCheck).
For credit card and debit card payments, the fee is an industry-standard 3% of the total transaction. For ACH (eCheck) payments, it is a $5 flat fee. In certain states, you are able to pass these fees on to your customer.
From the Hearth dashboard on your computer or the Hearth App on your mobile device, you can quickly see whether a customer has viewed or paid your invoice and via which payment method type. You can also see when a customer’s invoice is overdue.
Yes, you can send your customer their digital invoice via email or text message, whichever method they prefer. We will send them automated reminders to pay via the same communication method leading up to the due date of their invoice.
No, you do not need to use digital payments with your invoices. If you choose to collect payment in person via check or cash, you can simply mark the invoice as paid in your Hearth dashboard, and we will send the appropriate notification to your customer.
