Skimmer’s online payment form uses multiple layers of security to protect sensitive payment information. Your customers' payment credentials are encrypted and tokenized by Stripe to help ensure that unauthorized parties do not gain access to sensitive payment information.

Stripe provides the underlying technology and infrastructure that enables secure card processing and storage. When you set up payments, you’ll go to a Stripe form to enter the required information about your company and verify your identity. You won't need to go back to Stripe after that except to update information as needed. By setting up payments, you’ll be agreeing to the Stripe Connected Account Agreement. Although Skimmer is initiating and managing the transactions, funds are not flowing through Skimmer itself. That is handled by Stripe.

You can’t use an existing Stripe account because this system uses a custom connect Stripe integration.

The end customer needs to provide an email in the sense that the pool pro (you!) has to email the invoice in order for the customer to access the link to save ACH Info.

When your customer provides their bank account information, Stripe will verify it by sending micro-deposits. These deposits may take 1-2 business days to appear in the customer's account. This will happen in one of two ways:

Amount: Stripe sends two micro-deposit amounts to the customer’s bank account, with a statement descriptor that reads “ACCTVERIFY”.

Descriptor Code: Stripe sends a single micro-deposit to the customer’s bank account with a unique, 6-digit descriptor code at the beginning of the company name field

Your customer will have 3 attempts for amount-based microdeposits or 10 attempts for descriptor-based microdeposits to complete bank account verification. Please see Stripe for more details. If the maximum number of attempts to verify your customer’s bank account information has been met, Stripe Support will need to be contacted for additional assistance.

Customers with access to the customer portal can update their own card information. Customers who don't use the portal need to contact you, and you can update their payment information for them.

For questions about signing customers up for AutoPay or removing them from it, see AutoPay FAQ.

Skimmer Billing is included with every Skimmer subscription. There are no setup fees, monthly fees, or hidden charges.

Processing fees are a fixed percentage of each transaction so you only pay for the service when you use it.

Credit card payments are processed the next business day, as long as they're submitted before the cutoff time (7pm CT during Daylight Time, 6pm CT during Standard Time). If the payment comes in after the cutoff, it will process the following business day and be paid out two business days later.

ACH payments typically take 5–7 business days to process and deposit.

If you need your funds sooner, you can request Instant Payouts 24/7, including weekends and holidays, and funds typically appear in the associated bank account within 30 minutes for a 1% fee once your account meets the qualification criteria.

Yes. When you turn on credit card surcharging, Skimmer adds a 3% surcharge to payments your customers make with a credit card. Debit card, ACH, and check payments aren't surcharged. Skimmer keeps a 1% program fee on each surcharged payment, and surcharging isn't available in every state. For details, see Credit Card Surcharges FAQ. To turn it on, see Credit Card Surcharging.

You can also add service or administrative fees to your invoices. For more information, see Add Fees, Discounts, and Line Items in Bulk.

State laws and card network rules for surcharges and fees change over time. Before you add a fee to your invoices, make sure it complies with the laws and regulations for your company and location.