Get paid faster. Automatically.

Payments built for how service businesses actually collect money

Service businesses collect money in more ways than a typical e-commerce checkout ever has to handle. A customer might swipe a card in the field on completion day, a homeowner might click the payment link on an emailed invoice, an office manager might key in an ACH transfer for a milestone deposit, and a financed job might pay out weeks later through a lender. URBLD Payments handles all of those flows as one system, matches every incoming dollar to the right invoice, and updates your Accounts Receivable workspace in real time.

Same-day settlement and automatic reconciliation

Card payments are eligible for same-day settlement, so revenue collected today shows up in your bank account tomorrow instead of sitting in a payout queue for three business days. ACH transfers clear on the standard schedule but appear as pending on the invoice immediately, so you can close out the job and dispatch the crew without waiting for funds to land. Every settled payment writes a reconciled entry against the originating invoice — no CSV downloads, no manual matching, no month-end scramble.

Security and compliance

URBLD Payments is built on Stripe, which is certified as a PCI DSS Level 1 Service Provider. Card details are collected inside Stripe-hosted elements, tokenized, and never touch URBLD servers or your database. That means your business inherits Stripe's compliance posture instead of taking on the cost of maintaining your own. All webhook traffic between Stripe and URBLD is signature-verified so a spoofed callback cannot mark an invoice paid.

How it fits with the rest of URBLD

Payments sit inside the same lifecycle thread as leads, estimates, contracts, jobs, and invoices. When a customer pays, the payment is stamped with the sacred lifecycle_number, filed under the correct job, reflected in Billing Overview, and — if QuickBooks is connected — synced as an invoice payment to your books. Owners see one number for what they earned today; accountants see a clean audit trail; customers get an emailed receipt without anyone lifting a finger.

Field payments, deposits, milestones, and final invoices

Contractors rarely collect a single lump sum. A typical roof, remodel, or HVAC install runs on a deposit, one or two progress milestones, and a final balance. URBLD's payment engine supports every one of those steps out of the box. Deposits collected at contract signing are booked against the estimate and roll forward into the job automatically. Milestone payments are triggered off schedule events — inspection passed, materials delivered, drywall closed — and each one generates its own hosted payment link. When the final invoice is issued, previous payments are already applied, so customers see a clean balance-due number rather than a confusing running total.

Refunds, disputes, and payment recovery

Full and partial refunds are one click and write back to the same invoice, the audit log, and (if connected) QuickBooks. Card disputes are surfaced inside URBLD the moment Stripe issues the retrieval request, with evidence prompts pulled from the original job — signed contract, completion photos, invoice, and customer messages — so responding takes minutes instead of a scavenger hunt. Failed ACH transfers and expired cards trigger the AI follow-up engine, which reaches out on the right cadence and channel to collect the missing amount without a human chasing.

Who this is built for

URBLD Payments is used by roofing contractors, HVAC and plumbing shops, electricians, remodelers, landscapers, cleaning companies, and pest-control operators — anyone whose invoices carry a job number and whose crew is measured on cash collected, not cash promised. If you send more than a handful of invoices a month, or you write off receivables you should have collected, URBLD's combination of hosted payment links, automated reconciliation, milestone triggers, and AI-driven recovery closes the gap between "invoice sent" and "money in the bank."