Dappr Sales allows businesses on the Essentials and Pro plans to receive money quickly and reliably—whether the payment comes through an online invoice, a keyed‑in card charge from the dashboard, or an in‑person transaction handled with the Dappr mobile app. All funds settle in the company’s Dappr Financial Account, so reconciliation is automatic and every dollar is available inside the same platform. This article explains each supported payment method, the exact fees, how and when money is deposited, and the safeguards that protect your cash flow.

Payment acceptance is built into Essentials and Pro. Businesses on the Basic plan cannot access Dappr Sales and have no add‑on that unlocks it. Fees and functionality are identical between Essentials and Pro, so the pricing shown below applies to either plan.

Fees charged by Dappr and the processor are not refunded when a payment is voided or returned. All payments are processed in U.S. dollars. The 1.5 % surcharge applies whenever the card’s issuing bank is located outside the United States, even when the charge is billed in USD.

Key‑entered card payments are the default option for most invoices and for ad‑hoc charges created in the dashboard. Visa, Mastercard, American Express, Discover and many co‑branded regional networks are accepted. Once a card is authorised, the charge settles in roughly three to five business days and the funds appear as “available” in the Dappr Financial Account. As a business builds processing history without excessive disputes, Dappr automatically enables instant payouts that allow unsettled funds to be advanced for a 1.5 % fee; the daily advance limit grows alongside lifetime volume and healthy dispute ratios.

International cards always clear in USD. Whenever the card issuer is outside the United States, the cross‑border surcharge applies on top of standard pricing. Individual transactions cannot exceed $999,999.99; larger invoices should be paid via wire or ACH credit instead.

A limited beta lets selected merchants use the Dappr mobile app to accept contactless payments and to pair a chip‑and‑swipe reader sold by Dappr. Because card‑present risk is lower, the total processing cost falls to 2.7 % + $0.05 and Dappr adds no margin. If a business needs to place a hold and capture funds later—common in hospitality—each unused authorisation costs $0.10. Companies interested in trying the in‑person tools can request an invitation by emailing [email protected].

When ACH direct debit is enabled on an invoice, the payer authenticates once through Stripe Financial Connections. The account they connect can then be reused on future invoices without another login. Because the processor’s 0.8 % fee is capped at five dollars, the effective rate drops sharply on large transfers; for example, a $5,000 debit costs only 0.6 %. The network settles in two to five business days, and the same $999,999.99 limit applies as with cards.

Every Dappr customer receives a dedicated VBAN—an account and routing number at a partner U.S. bank. Payers can send either a Fedwire transfer or an ACH credit to that VBAN. Dappr automatically applies the deposit to an outstanding invoice or, if none exists, records it as customer credit for future use. Pricing is a flat 0.5 % with no minimum and no cap. Fedwire transfers typically arrive the same day when sent before the network cutoff, and ACH credits post on the next business day. Because there is no per‑transfer maximum, this rail is ideal for very large invoices.

If a payer’s bank initiates a wire from outside the United States, the transfer can still credit your VBAN as long as the funds arrive as a USD‑denominated Fedwire payment. Most international banks route dollar wires through a U.S. correspondent institution, so the sender simply chooses “USD” as the settlement currency and lists your VBAN’s routing and account numbers. The moment the funds clear the Fedwire system, Dappr applies them exactly like any domestic wire—same 0.5 % fee, automatic invoice matching, and no limit on amount. Payments sent in other currencies or over SWIFT without conversion to USD will be rejected by the correspondent bank, so the payer should confirm with their institution that the transfer will land as a U.S. dollar Fedwire credit.

Within the invoice editor each payment rail can be toggled on or off without affecting other invoices. Quotes offer the same toggles and can optionally convert directly into an invoice the moment a customer clicks Pay. For phone orders or walk‑in sales the dashboard’s “New payment” flow allows a team member to collect payment immediately without generating an invoice.

Settlement timing depends on the rail. Card charges and ACH debits show as pending right after authorization, then become available once the network confirms settlement—usually in two to five business days. Wire transfers settle the same business day if they meet the Fedwire deadline; ACH credits clear overnight. As soon as funds are available, Dappr initiates a payout to the Dappr Financial Account. Depending on account history and risk profile, that payout lands in as little as two hours or as long as two business days. Instant payouts, when enabled, bypass the wait in exchange for the 1.5 % advance fee and within the account’s instant‑payout limit.

Both card chargebacks and ACH returns incur a $15 handling fee, charged whether or not the dispute is resolved in the company’s favour. Dappr and processor fees are never refunded on customer refunds. If disputes or refunds push the sales balance negative, Dappr automatically moves funds from the Dappr Financial Account into the balance. To protect against fraud, Dappr may delay payouts or maintain a rolling reserve when indicators suggest unusual risk; those limits ease over time as transaction history lengthens and dispute performance remains sound.

All invoices, quotes and checkouts are denominated in USD, and Dappr Sales does not convert foreign currencies. Payers outside the United States can still send USD by card or wire, but any cross‑border card charge carries the 1.5 % surcharge. Card and ACH‑debit payments are capped just below one million dollars per transaction, while wires and ACH credits have no ceiling. Dappr does not impose monthly minimums, statement fees, inactivity fees or software maintenance charges. The only extra cost is the one‑time purchase of a card reader for businesses admitted to the in‑person beta.

By embedding every major U.S. payment rail directly in the platform, Dappr Sales removes the need for external gateways or manual bank transfers. You choose which rails to offer on each invoice, your customer picks how to pay, and Dappr handles settlement, reconciliation and risk controls automatically. With a transparent fee schedule and funds that drop straight into your Dappr Financial Account, getting paid is as simple as sending an invoice.