Part 1: Enrolling in KIQ Payments
Before your clients can pay you online, you need to complete a one-time enrollment. This links your business to a secure Stripe account so funds can be deposited directly to you.
Payment Methods & Fees
KIQ Payments supports the following methods:
Payment Method | Fee |
ACH (bank transfer) | $5.00 flat per transaction |
Credit Card (Visa, Mastercard, Amex) | 2.9% + $0.30 per transaction |
Tip: You have the flexibility to pass processing fees through to your client when creating an invoice — keep that in mind when setting up your invoice amounts.
Enrollment Steps
Step 1: Go to Settings > Payments
In the top navigation bar, click the gear icon (⚙) to open Settings. In the left sidebar, click Payments.
You'll see a card that reads "Get paid faster via Credit Card and ACH."
Step 2: Click "Enroll Now"
Click the Enroll Now button on the right side of the card. A new screen will appear titled "Accept payments easier with KonstructIQ — Secure. Flexible. Affordable."
This screen confirms the payment methods and fees that will apply to your account.
Step 3: Start Your Application
Click the Start Application button. You'll be directed through a Stripe-powered onboarding flow to verify your business information. This typically includes:
Business name and address
Business type (sole proprietor, LLC, etc.)
Bank account information for deposits
Identity verification
Note: Stripe's onboarding is a secure, guided process. Have your business documents and bank details handy to complete it in one sitting. Once approved, payments from clients will deposit directly to the bank account you provide.
Step 4: You're Enrolled!
Once your Stripe application is complete and approved, KIQ Payments is active on your account. Your Settings > Payments page will update to reflect your connected status. From this point on, any invoice you send can include an online payment link for your client. You also have the ability to opt for if you'd like to accept ACH and/or Credit Card, and also if you want to pass any fees on to your clients.
Part 2: Sending an Invoice with Online Payment
Once enrolled, the online pay option is automatically included whenever you send an invoice through KonstructIQ. Here's how that works from your end.
Navigating to Invoices
In the top navigation bar, click Financials, then select Invoices from the dropdown menu. You'll see a list of all invoices across your projects.
To open an existing invoice, click on its row. To create a new one, navigate into a project and create the invoice from there.
What's on an Invoice
Each invoice includes key sections relevant to payment:
Info — Invoice number, due date, and status (Open/Closed)
From / Send To — Your business info and the client's name
Line Items or Flat Fee — The work being billed
Payment Details — A scheduled payment row showing the amount due, due date, and current status (e.g., Upcoming, Scheduled, Paid)
Balance Due — The net amount owed after any prior payments
Pro tip: You can split an invoice into multiple payment milestones by adding additional payment rows in the Payments section at the bottom of the invoice.
Previewing and Sending the Invoice
When your invoice is ready:
Step 1: Click the Preview & Send button in the upper-right corner of the invoice.
A preview of the invoice PDF will load — this is exactly what your client will see. It includes a summary, line items, payment details, and a budget summary showing the estimate total, amount invoiced, total paid, and balance due.
Step 2: Review the invoice to make sure everything looks correct.
Step 3: Click Send (in the upper-right of the preview).
A Send Invoice dialog will appear with the following fields:
To — The client's email address
Cc — Your email is automatically CC'd so you have a record
Subject — Auto-filled as "You received a new invoice [Invoice Number]" (editable)
Message — Auto-filled with a friendly intro message (editable)
Step 4: Confirm the recipient email and click Send.
Your client will receive the invoice by email immediately.
Part 3: The Client's Payment Experience
This is where the magic happens — your client's payment experience is intentionally simple and requires no account or login.
What Your Client Receives
Your client gets an email with the subject line "You received a new invoice [Invoice #]" from your business. The email contains:
A personalized greeting using their name
A note that your company has sent them an invoice
A Pay Now button or link
How They Pay
Step 1: The client clicks the payment link in the email.
Step 2: They are taken to a secure, KonstructIQ-hosted payment page where they can view the invoice details and choose their payment method (credit card or ACH bank transfer, depending on what you've enabled).
Step 3: They enter their payment information and submit.
That's it. The process is designed to be as easy as possible — no account creation, no portal login, no confusion.
What Happens After Payment
Once your client pays:
The invoice Payment Status in KonstructIQ automatically updates to Paid
The invoice Status will update to Closed once fully paid
The payment appears in Financials > Payments in your KonstructIQ dashboard, showing the payment date, project, linked invoice, payment method, and amount
Tracking Payments
To see a full record of all payments received across all projects, go to Financials > Payments in the top navigation bar.
This view shows:
Column | What It Shows |
Payment Date | When the payment was received |
Project | The associated project |
From/To | The client who paid |
Linked To | The invoice number it applies to |
Method | How they paid (e.g., Credit Card, Check – Recorded, ACH) |
Status | Paid, Pending, etc. |
Amount | The dollar amount received |
Note: Payments recorded manually (e.g., a check you received outside the platform) will show as "Check – Recorded" and will still appear in this list. KIQ Payments-processed transactions will reflect the digital payment method used.
Frequently Asked Questions
Do I have to enroll to send invoices? No — you can send invoices without enrolling in KIQ Payments. However, without enrollment, clients won't have a one-click pay option. You would need to collect payment manually and record it yourself.
Can I pass the processing fee to my client? Yes. When building your invoice, you have the flexibility to account for payment processing fees in the invoice total or as a separate line item.
What if my client wants to pay by check? They can still do that. You would record the payment manually by clicking Record Payment on the invoice's payment row. It will appear in your Payments log as "Check – Recorded."
How long does it take to receive funds? ACH transfers and credit card payouts are subject to standard Stripe payout timelines, which typically range from 2–7 business days depending on your bank and Stripe account settings.
Is this secure? Yes. All payment processing is handled by Stripe, which is PCI-DSS compliant and used by millions of businesses worldwide. KonstructIQ never stores your client's card data.
To Learn More:
You can also watch this YouTube Video: https://youtu.be/imFRJThkWGY