Goose Pay · for businesses that invoice
Get paid by bank,
not by card.
Send an invoice with a pay-by-bank button. Your customer pays from their business bank account in about a minute, you keep the three percent a card would have cost, and every payment reconciles itself.
카드 대신 은행 계좌로 결제 받는 청구서. 카드 수수료 3%를 아끼세요.
- 0.8% per bank payment, capped at $5
- No account for your customer
- Settles into your own bank account
A $5,000 invoice.
Three ways it gets paid.
Card fees are the quiet line that eats a margin. Pay by bank costs a flat few dollars, so a one percent discount still leaves you well ahead, and the customer gets a reason to pay today.
Start invoicingBank rail fee 0.8% capped at $5, charged at cost. Card figures use a typical 2.9% + 30¢ processor rate; your own rate goes in Settings and the savings on every invoice are computed from it. Card surcharges are capped by the networks and restricted in some states; a discount for paying by bank is allowed everywhere.
Three steps. Nothing for your customer to install.
Goose Pay replaces the PDF-and-chase routine, not your bank or your accounting.
Send the invoice
Lines, terms, memo. The customer gets an email with the PDF attached and a pay link, or you paste the link into your own email.
They pay by bank
The link shows the amount, a pay-by-bank button with your discount, and, if you allow it, a card option with the surcharge spelled out. Bank first, always.
It reconciles itself
Every payment lands on the invoice with its method, fee and settlement date. Reminders go out from the due date. Export to QuickBooks in two CSVs.
What Goose Pay never does
Same rule as the rest of Goose: your money goes straight to where it belongs, and we never touch it.
Never holds a balance
Bank payments settle from your customer's account into yours through Stripe's ACH rail. There is no Goose wallet to withdraw from.
Never sees bank details
Your customer signs in to their bank inside the payment step. Goose Pay stores the bank's name and the last four digits, nothing that can move money.
Never hides the fee
The rail fee is charged at cost and shown on every payment. The savings figure on your dashboard is computed from your own card rate.
Never locks you in
Invoices and payments export in the layout QuickBooks imports. Your customers keep paying by check or wire if they want; you record it on the same invoice.
Questions
Does Goose Pay hold my money?
No. Bank payments move from the customer's account to yours through Stripe's ACH Direct Debit rail and settle straight into your bank account, usually in one to four business days. Goose Pay never has a balance of yours, and there is nothing to withdraw.
What does it cost?
The bank rail costs 0.8% per payment, capped at $5, charged at cost. A $5,000 invoice paid by bank costs $5; on a card it costs about $145. During early access there is no monthly fee on top of that. Card payments, if you turn them on, cost whatever your card processor charges.
Do my customers need an account?
No. The customer opens the link, picks their bank, signs in to confirm, and is done. No app, no sign-up, no card number to type.
Can I still take cards, checks and wires?
Yes. Cards can be offered as the second option with the surcharge shown. Checks, wires and cash are recorded by hand on the invoice, so every invoice reconciles whatever the customer did.
Is a card surcharge legal?
Card surcharges are capped by the networks and restricted in some states; check the rules for your state before turning one on. A discount for paying by bank is allowed everywhere, which is why it is the default.
How is this related to Goose?
Goose compares how to send money between the US and Korea for the least. Goose Pay is the other direction: how a business gets paid for the least. Same team, same rule that we never hold money. The two accounts are separate for now.