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Payments

Setting up WorkPay

WorkPay is Workroom’s own payment processor. What it costs, what to gather, and how to apply.

Written By Timothy Murenzi

Overview

WorkPay is Workroom’s own payment processor. Once you are approved, clients pay your invoices by card or bank, and the money goes to your business bank account. Getting it takes an application that goes through underwriting.

Watch it: the Finances lesson in Campus, step 4, “Invoice and get paid”, chapter 3, “Paid online” (starts at 0:40) and chapter 9, “The Payments page” (starts at 3:21).

Pricing

  • Cards: 3.25% + $0.30. That is the whole fee, not a markup on another rate.

  • Bank (ACH): 0.80%, up to $15.

  • On each estimate and invoice, choose whether your client pays the fee or you absorb it, with Processing in the fees box.

Before you apply

Gather everything first, so you can finish in one sitting:

  • Business: legal name, DBA, tax filing name, business type, website, EIN, business license and state, start date, phone.

  • People: every owner with 25% or more, plus one control person: legal name, date of birth, home address, SSN and ownership percentage.

  • Processing: expected monthly volume, average and largest transaction, and a clear description of what you sell, like “interior design services and FF&E procurement”.

  • Banking and documents: a business bank account in the business’s legal name, plus any documents asked for.

Steps

  1. Click Accept Payments at the top of Workroom, or go to Settings › Studio › Integrations and apps.

  2. On the WorkPay card, click Apply for WorkPay.

  3. The application opens on our payment partner’s secure page, filled in with your company details. Work through the five steps: Business Details, People, Processing Information, Services and Pricing, Banking and Documents.

  4. Submit.

WorkPay card on the Integrations page with Apply for WorkPay
WorkPay application, Business Details step

What happens next

An application isn’t an instant switch. It moves through Submitted and Underwriting before it goes live, and the WorkPay card shows where it is. Answer any request for documents quickly.

Tips for a fast approval

  • Make the legal name, address and EIN match your IRS and bank records exactly. Mismatches are the most common cause of delays.

  • Use a business bank account, not a personal one.

  • List every owner with 25% or more.

  • Have a working website or public profile.

  • Give realistic volume estimates, based on what you invoice today.

Good to know

  • Stripe is on the same page. Workroom adds 0.65% on top of Stripe’s own fee.

  • How long approval takes depends on your business type and whether more documents are needed.

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