> ## Documentation Index > Fetch the complete documentation index at: https://docs.shopwrk.com/llms.txt > Use this file to discover all available pages before exploring further. # Collect customer payments with ShopWrk Pay > Turn on ShopWrk Pay, take card, bank, Apple Pay, and Google Pay, handle disputes and payouts, and send customers to pay.shopwrk.com. ShopWrk Pay is how customers pay your shop. Turn it on in **Settings → Payments**. Send an invoice or an estimate deposit. The customer pays on **pay.shopwrk.com**. Payouts land in the bank you connected there. Paying ShopWrk for your own subscription is separate. That lives under [Settings → Billing](/settings/billing). ## Turn on ShopWrk Pay Go to **Settings → Payments**. Open **Settings → Payments** and begin shop verification. You will enter your business details and the bank account that should receive payouts. The page shows a masked account, last four digits only. If ShopWrk still needs information, **Settings → Payments** lists what to provide. Complete those items from that page. Card processing and payouts can come online at different times. Wait until both show as ready before you send a live pay link. You can leave verification and come back. Settings → Payments remembers where you stopped. ## Apple Pay and Google Pay Eligible shops get Apple Pay and Google Pay on the customer pay page by default. The pay sheet shows your shop name, not a generic ShopWrk label. Customers pay on **pay.shopwrk.com**. Wallet buttons appear when the customer's phone or browser supports them. To turn a wallet off for your shop, go to **Settings → Payments** and opt out of Apple Pay or Google Pay. Card and bank payments stay available. ## Fees and the \$10,000 limit ShopWrk Pay will not take more than **\$10,000 in a single transaction**, card or bank. That limit is stated on the public fee page at [app.shopwrk.com/legal/fees](https://app.shopwrk.com/legal/fees). Card fees are 2.90% plus 30 cents. Bank payments are 50 cents per debit. Your signed merchant terms control if they differ. Customers see the fee disclosure on the pay page before they confirm. ## How a customer pays an invoice Each [job](/workflows/jobs) has one invoice. A deposit and the later balance are payment requests on that same invoice, not extra invoices. You can still create a standalone invoice from **Invoices → New Invoice** when the charge is not tied to a job. From the job, click **Send invoice**, or open the invoice and click **Send**. Email and SMS both include the pay link. The customer does not need a ShopWrk account. They see line items, amount due, and pay options: card, bank, Apple Pay, or Google Pay. When payment succeeds, the invoice updates. You will see **Deposit paid** or **Paid**, depending on what you requested. Remaining balance stays on the same invoice. The job and the invoice use the same words: Deposit requested, Deposit paid, Balance due. Lead Closer can collect a 30-day deposit through ShopWrk Pay when that feature is on for your shop. ## How a customer pays an estimate deposit On the [estimate](/workflows/estimates), turn on **Collect deposit on approval**. The deposit amount comes from your service settings: the service rule first, then the category, then 25% of the line if you have not set a rule. When the customer approves on the public estimate page, ShopWrk creates an unscheduled job and that job's invoice, then takes them to **pay.shopwrk.com** for the deposit. They approve and pay in one flow. If they leave before paying, the approval still stands. The job and invoice stay. You can send the same **pay.shopwrk.com** link again. Send the remaining balance later on that same invoice. If **Collect deposit on approval** is off, approval only accepts the quote. No money is collected until you have a job and send a pay request. ## Disputes If a customer disputes a charge, go to **Payments** in the sidebar and open the dispute list. You can also click **Open dispute** on the invoice. The dispute page shows status, the response deadline, and evidence already on file. Upload evidence, submit your response, or accept the dispute. Work to the deadline on that page. ShopWrk keeps a history of what was sent. Customers do not see internal dispute notes. ## Replace the payout bank To change where payouts land, go to **Settings → Payments** and replace the bank. You will see today's account as last four digits only. The account you use today stays current until the new one is confirmed. A pending replacement does not stop payouts to the current account. If the new bank is rejected, the current account keeps working. ## Payout history and failed payouts Open **Payments → Payouts** for payout history. You will see amounts, destination last four, dates, and a plain-language reason if a payout failed. If a payout fails, wait for the automatic retry. After a valid new bank is confirmed in **Settings → Payments**, you can resend that payout from the payouts page. ## Recurring autopay For customers on a regular plan, go to **Invoices → Recurring** and create a template. ShopWrk generates invoices on the schedule you set. Autopay charges a saved card or bank through ShopWrk Pay on those invoices. A failed autopay notifies the shop. The customer is not charged twice for the same invoice. ## Related Create the job invoice, send a deposit or balance request, and record cash or cheque. Collect deposit on approval, then take the remaining balance on the same invoice. One invoice per job. Send invoice from the job after a deposit or when work is done. Customers review invoices and pay without creating an account. Pay your ShopWrk subscription. This is not how customers pay you.