TruePay settles on Real-Time Payments and FedNow rails, so the money is in your account, time-stamped and final, while you are still in the driveway. One flat posted fee. No "Paid" status until the funds are actually in your bank.
Illustrative settlement receipt
"Instant" payments quietly hold your money, charge 1.5%, and still post next business day.
Your accounting software says "Paid" before a single dollar has actually moved.
Subcontractors wait sixty days while the general contractor sits on a finished punch list.
The mobile signal drops in the basement and the whole capture flow breaks down.
Your customer authorizes the transfer from inside their own bank app, the way they would send Zelle to a friend. The money moves to your bank directly, on a rail that cannot be reversed once it lands.
You text or hand them a one-time link. They authorize the transfer from the bank they already trust.
Real-Time Payments or FedNow carries the funds in seconds, not days. No card networks in the middle.
Time-stamped and final. Not a balance on our books, not a pending hold. Your bank, your dollars.
QuickBooks and Xero sync the timestamps. "Paid" only appears once the cash is actually in your bank.
No payroll. No bill pay. No certified-payroll filing. The focus is the customer-to-you push, end to end.
Your customer authorizes from inside their bank app. Funds move on Real-Time Payments or FedNow rails, irrevocably, like a personal Zelle transfer built for business invoices.
Plain-English statuses sync to QuickBooks and Xero. "Sent," "Received by us," "In your bank" — with timestamps. The word "Paid" only appears when the money is actually in your account.
One per-transaction price, published on the page. Capture works in basements and rural sites with no signal, then completes when your phone comes back online.
If a deposit is held, a clear checklist walks you through the unlock in under ten minutes. A real person responds within one business day if you still need help.
Field service crews need the money before the next call. Commercial subcontractors need the money before payroll Friday. Both get the same posted fee.
Heating & cooling. Plumbing. Electrical. Property management. Auto. Landscaping.
Electrical. Mechanical. Ironwork. General trades.
Not a payroll engine. Not a bill-pay tool. Not a certified-payroll filer. We do one thing — get your customer's money into your bank, today — and we partner with the rest.
Status sync is a feature pillar, not a logo wall. Rails are the proof the same-day promise holds.
Real-time status updates. "Paid" only when the bank confirms.
For progress-billing workflows. We complement, never replace.
Same-day rails as the default. A paper fallback when the customer truly cannot push.
Payroll and bill-pay stay where they already work for you.
We are early. Here is what the first cohort of subcontractors and field-service crews actually saw, in dollars and minutes.
Median pilot subcontractor reduction across nine commercial trades.
Of customer-pushes settled the same calendar day they were authorized.
Median hold clear time. One-business-day human backup is the floor, not the goal.
We left a name-brand instant deposit tool because we kept seeing "Paid" in the books for money still sitting somewhere else. TruePay only marks the invoice paid when our bank says so. Last quarter we cleared eleven thousand dollars in held fees and phantom settlements.
No instant surcharge. No per-seat license. No percentage that compounds on a $42,000 draw.
We fall back to a paper check the same business day and show the rail used on the receipt. We never label a check transfer "same-day" — the timestamp speaks for itself.
"Instant" usually means an extra 1.5% to move money to our balance, then a next-business-day deposit. TruePay moves the money customer-to-you on bank rails, irrevocably, with one posted flat fee.
No. We sit alongside Gusto, Trayd, and the payroll module inside QuickBooks. The customer-to-you push is the one job we do.
A guided checklist walks you through the unlock in under ten minutes. If that does not clear it, a human responds within one business day. Not a four-hour promise we cannot staff.
Early access opens the calculator to your last twelve months of invoices and lines you up for the pilot. One posted fee. Same-day settlement on bank rails. "Paid" only when it really is.
No credit card. No demo gauntlet. We will share the calculator output within one business day.