Get invoices paid online, straight to your own account
Sumhour lets clients pay an invoice from its page through your own account at Stripe, PayPal, Mollie, GoCardless, Authorize.net, Razorpay, Paystack, Flutterwave, SSLCommerz, Xendit or Mercado Pago, plus Square on self-hosted servers. When the provider confirms the payment, the invoice is marked paid. The money goes straight to you and Sumhour takes no fee.
In every plan. 30 days free, no card.
INV-1042: paid online, into the agency’s own account
Fieldwork opens the invoice link and pays by card through Birch & Row’s own Stripe account. Stripe confirms the payment and Sumhour marks the invoice paid on 12 November.
The money settles in the agency’s Stripe account. Stripe’s own processing fees apply there, as they would without Sumhour.
| Invoice totalINV-1042 | 4,500.00 |
|---|---|
| Paid through Stripe12 Nov, confirmed by Stripe | −4,500.00 |
| Sumhour’s fee | 0.00 |
| Balance due | 0.00 |
Demo workspace: Birch & Row Studio, USD
Online payments in Sumhour, step by step
- 01
Connect your account
Open Settings, then “Online payments”. Pick the providers you have an account with and paste the keys from their dashboard. Each card says where the keys are.
- 02
Try it with test keys
Start with the provider’s test keys and pay an invoice yourself, so you see what your client will see.
- 03
Send the invoice
The invoice page shows “Pay with …” for every provider that is on and takes the invoice’s currency.
- 04
Get marked paid
The client pays what is still due on the provider’s own page. When the provider confirms it, Sumhour records the payment and marks the invoice paid.
Connect Stripe, PayPal, Razorpay, Paystack, SSLCommerz or another provider
Turn on every provider you have an account with. The invoice shows one “Pay with …” button for each provider that takes the invoice’s currency. Most regional providers open accounts only for businesses in their own countries, so check that yours can sign up first.
- Stripe, PayPal, Mollie, Authorize.net and GoCardless
- Razorpay, for businesses in India
- SSLCommerz for Bangladesh, with bKash, Nagad, Rocket and cards
- Paystack (Nigeria, Ghana, Kenya, South Africa, Côte d'Ivoire) and Flutterwave
- Xendit (Indonesia, the Philippines, Malaysia, Thailand, Vietnam)
- Mercado Pago (Argentina, Brazil, Chile, Colombia, Mexico, Peru, Uruguay)
- Square, on self-hosted servers
Connected
Add another
Also Authorize.net, Paystack, Flutterwave, SSLCommerz, Xendit and Mercado Pago
The invoice marks itself paid when the provider confirms
Nobody has to check the Stripe dashboard and copy the payment across. When the provider confirms, Sumhour records the payment on the invoice, the status turns Paid once payments cover the total, and owners, admins and accountants get a notification.
If you ticked “Email the client a thank-you when an invoice is paid in full”, that email goes out once, at the same moment.
How payments are recordedPayments
| Paid on | Method | Amount |
|---|---|---|
| 12 Nov 2026 | OnlinePaid online with Stripe | 4,500.00 |
Bank transfers come back from your books
Plenty of clients still pay by bank transfer. Connect QuickBooks Online or Xero and push your invoices there. When your bookkeeper records a payment against a pushed invoice, Sumhour picks it up within three hours, records it with the date and reference, and marks the invoice paid when nothing is left to pay.
- “Check for payments now” on Reconciliation looks straight away
- A payment you already typed into Sumhour is matched, so it counts once
- Credit notes and prepayments are not counted as money received
| Invoice | Client | Total | Paid | Xero |
|---|---|---|---|---|
| INV-1042Sent 2 Nov | Fieldwork | 4,500.00 | 4,500.00 | Synced |
| INV-1041Sent 1 Nov | Cedar Works | 1,500.00 | 0.00 | Synced |
| INV-1040Sent 28 Sep | Linden & Co | 7,200.00 | 7,200.00 | Synced |
A payment that does not match waits for you
GoCardless, Xendit, Razorpay, Paystack and Flutterwave only send payment notices to an address you add in their dashboard. That step is optional. Without it, Sumhour checks when the client comes back from paying, then every few minutes for the next hour and less often for three days.
If a payment comes back for a different amount or currency, or the provider flags it as risky, Sumhour records nothing. You get a notification that says what to look up.
Notifications
Online payments: limits to know about
- Square works only on self-hosted servers. Sumhour Cloud does not offer it.
- A provider only shows on an invoice in a currency it takes. For anything else, add a “Payment link” or bank details under Invoice settings and record those payments when they land.
- If a payment comes back for a different amount or currency, or the provider flags it as risky, Sumhour records nothing and asks you to check it.
Missing something you need? Write to [email protected]. The person who builds Sumhour reads every message.
Online payments: Sumhour and other tools
Checked against each tool’s own pricing and help pages on November 5, 2026; the sources are under the table. Plans change, so check before you rely on a line.
| Feature | Sumhour | Harvest | Toggl Track | FreshBooks | Invoice Ninja |
|---|---|---|---|---|---|
| Clients pay online into the agency’s own provider account | Every plan: 11 providers, plus Square when self-hosted | Teams plan and up: Stripe and PayPal; a Harvest fee on Stripe unless on Unlimited billing | No | 3: FreshBooks Payments, your own Stripe, PayPal for older connections | Yes, all plans, about 20 providers |
| Paid status read back from QuickBooks Online and Xero | Every plan, both; on Sumhour Cloud at launch | No: Xero one way; QuickBooks Online two-way is a limited beta | No: QuickBooks Online one way; no Xero | Not needed: FreshBooks is its own ledger | No: QuickBooks Online one way; no Xero |
Sources: Harvest pricing; Harvest and Stripe; Harvest transaction fees; Harvest and QuickBooks Online; Harvest and Xero; Toggl Track invoices; Toggl Track and QuickBooks Online; FreshBooks online payments; Invoice Ninja payments; Invoice Ninja payment drivers; Invoice Ninja and QuickBooks.
Full comparison: Sumhour vs Harvest.
Online payments: common questions
How do I let clients pay an invoice online by card?
Connect a payment provider under Settings, “Online payments”, with the keys from that provider’s dashboard. The invoice page then shows “Pay with …” for each provider that is on and takes the invoice’s currency, and the client pays the amount still due on the provider’s own page.
Does the money go straight to my own Stripe or PayPal account?
Yes. The client pays on the provider’s page and the money goes straight to your account with that provider. Sumhour sees no card details and takes no fee.
Which payment gateways work for invoices in India, Africa or Bangladesh?
Razorpay for businesses in India, SSLCommerz for Bangladesh (with bKash, Nagad, Rocket and cards), and Paystack and Flutterwave for African businesses. Paystack serves businesses in Nigeria, Ghana, Kenya, South Africa and Côte d'Ivoire. Each provider opens accounts only in its own countries, so check that your business can sign up. Xendit, Mercado Pago, Stripe, PayPal, Mollie, GoCardless and Authorize.net are there too.
Can a bank transfer mark an invoice paid on its own?
Yes, with QuickBooks Online or Xero connected. When your bookkeeper records a payment against a pushed invoice there, Sumhour picks it up within three hours, records it with the date and reference, and marks the invoice paid when nothing is left to pay. Without them, use “Record payment” on the invoice.
QuickBooks Online and Xero in the guideIs online payment included in every Sumhour plan?
Yes. A one-person workspace on Solo can take online payments and read payments back from QuickBooks Online or Xero, the same as a team on Scale. Only Square needs a self-hosted server.
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