Getting paid by card
Card payments are optional and off until you turn them on. In Settings →
Getting paid, tap Set up card payments and connect a free Stripe
account. Stripe walks you through the usual business and bank questions on its own pages.
It takes about ten minutes and you only do it once. If you step away before Stripe is
finished, the app says so wherever a card action would have gone (an invoice's pay link,
a client's autopay card) and offers Finish payment setup right there.
After that, every invoice carries a pay link by itself. There is no button to press:
- Make the invoice. The link is minted with it.
- Send it As a text or As a PDF. The link is in
both.
- Your client taps it and pays by card or Apple Pay. No app, no account, no signup.
The payment lands back in Hedgemony by itself the next time you open the app. The
balance drops, the invoice gets a PAID badge, and Stripe emails your
client a receipt. Cash and checks settle invoices too: the invoice screen leads with
Record the payment, and a payment that clears their balance marks their
invoices paid by itself. A separate Stamp paid button covers the odd
case and changes the document only. Either way the live pay link is withdrawn so nobody
can pay twice. The link is also printed on the invoice PDF for anyone who'd rather
click there, and it doesn't expire, so a text found two weeks later still works.
The money goes from your client to your Stripe account and out to your bank.
Stripe keeps about 2.9% + 30¢ of each card payment and Hedgemony keeps 0.5% — about
3.4% + 30¢ all-in. That's the whole price: no monthly cost, and cash or check payments
you record yourself are always free. Hedgemony never holds your money.
Autopay
For clients who'd rather not think about it, open their profile and use
Text card setup link under Autopay. They save a card once on Stripe's
page, and then you choose how they're billed:
- After each visit: the card is charged when you complete the job.
- Monthly: their balance is charged the first time you open the app
each month.
- Off: the card stays on file and nothing is charged.
These charges do happen on their own, which is the point of autopay, and Stripe sends
the receipt. If a card is declined, nothing breaks: the balance simply stays owed and
shows up in your reminders like any other past due client.
Fixing a mistake
You will fat-finger a payment eventually. Two ways out, and neither of them asks you to
type a minus sign.
- An invoice that should not have gone out. Open it and tap
Void this invoice. The visits on it go back to being uninvoiced, so you
can bill them again on the right invoice. The confirmation tells you what it does to the
client's balance before you commit.
- A payment typed wrong, or a credit you owe someone. Open the client
and tap Adjust balance. Enter the amount, say whether they owe
more or less, and write down why. The reason shows up
on their money list, so next season you can still tell what happened.
A hand-entered payment can also be deleted outright from the client's money list.
Charges from completed jobs and card payments from Stripe stay put: those belong to a
visit and to Stripe, and deleting one would only bring it back on the next sync.
Overdue reminders
When someone drifts past due, the Money tab says so: "3 clients need a nudge." Tap it
and you get them one after another with the message already written, getting a little
firmer at 7 days, 14 days, and 30 days. Tap through, send from your number, done.
Hedgemony tracks which reminder each client has had, so nobody gets the same one twice,
and paying up clears the slate. If they fall behind again months later, the ladder starts
over at friendly.