Send an invoice from the job site. Your customer opens it, pushes the payment from their bank app, and the funds settle in your account the same day — at a flat fee you already know, with no "instant deposit" surcharge on top.
QuickBooks Payments charges 1% for same-day. That's $90 on a $9,000 invoice. Melio charges 1.5% for "instant" — and still holds it for review. Bill.com charges $15 per wire plus $79 per user per month. The surcharge exists because they hold your funds, earn float, and charge you to skip the line they created.
"Customer paid Friday. Funds in process. I had to cover payroll out of my line of credit again."
"QuickBooks showed Paid. Money landed five days later. The customer thought we double-billed them."
"The general contractor pays on Day 67. My materials supplier wants their money on Day 30. The gap is my line of credit."
It works the same way Zelle and Venmo work for consumers — applied to business invoicing. Because your customer's bank initiates the transfer, the money is final and irrevocable when it arrives. No chargeback window. No ACH return risk. No hold.
That's why we can promise same-day without charging you extra for it: there's no float to protect, no risk premium to pass through.
Works on-site, underground, or in a dead zone. Captures offline and syncs when signal returns.
The payment link opens in their existing bank app. One approval. No account creation, no wallet, no card reader.
The invoice updates to "In your bank" with a timestamp. Not "Processing." Not "Paid." Actually cleared.
Three states only: Sent, Received by us, In your bank. Syncs to QuickBooks Online and Xero. We never mark "Paid" until funds are in your account.
The price is on the pricing page before you sign up. No 1% Instant Deposit surcharge on top of your processing fee. Same-day is the default speed, not a premium tier.
Holds are rare and usually identity-verification-driven. When one fires, you see the exact checklist to clear it yourself. A real person responds within one business day if you can't.
Basements, rural job sites, underground mechanical rooms. Capture the invoice and card on-site; the transaction queues and settles same-day when signal returns.
Field service operators who collect on-site, and subcontractors bridging the gap between Net 60 customers and Net 30 suppliers.
One flat fee per invoice settled. No monthly minimums beyond the plan base. No separate "instant deposit" surcharge. Same fee whether the invoice is $500 or $50,000.
For brand-new operations and seasonal contractors validating the tool.
Covers a 1–3 person operator running a full month.
No per-user seat fees. No surcharge for same-day. The rate is public before you sign up.
No credit card required · Free tier available
Bill.com estimate: 5 seats × $79/mo + $0.55 ACH. QuickBooks/Melio: standard rate + 1%/1.5% instant surcharge. TruePay: flat per-transaction fee, same-day is the default. Exact rates at truepay.io/pricing.
Our pilot covers 500+ real invoices across diverse payer banks. Below 90% triggers an immediate rail review — not a blog post about it.
"I was paying QuickBooks $90 every time I needed money the same day. I didn't realize how often that was adding up until I ran the math."
"The general contractor approves the invoice. Their AP person taps once. I see it cleared the same day — I don't have to float materials anymore."
"QuickBooks said Paid. The money landed five days later. The customer thought we'd billed them twice. That situation — where the status lies to you — doesn't exist here."
RTP and FedNow now reach over 70% of US deposit accounts.
Paste 12 months of invoicing volume. See your actual all-in cost on TruePay vs. what you paid. No sales call. No commitment. If the number isn't lower, we'll tell you.