Payments Overview
Looking for a summary on how Ignition Payments can help your business? Look no further.
Tom Maxwell avatar
Written by Tom Maxwell
Updated over a week ago

What is Ignition Payments?

Ignition Payments is our dedicated payments processor which can be attached to the proposals you create and send through Ignition.

You can collect billing details from your clients directly on your proposals and automatically process payments through the Ignition payment gateway.

By using Ignition Payments, you can take control back from your clients as to when you will be paid! 

Why use payments?

Businesses that use Ignition payments succeed by gaining efficiencies and advantages in 4 key areas:

  • No Debtors

  • Guaranteed Payments

  • Improved Cashflow

  • A Hands-off Accounts Receivable Process. 

Check out the video to learn exactly how this can help streamline your business: 

Collecting your client's billing details upfront even if you bill on completion gives you the power to collect payment from your clients when you invoice them, rather than letting them have the power to pay you when they feel like it. This can eliminate debtors from your practice and remove friction points from your client relationship. 

Taking this one step further, the Require Payments toggle is easily the most popular feature amongst Ignition users. 

New prospects to your business cannot accept your proposal until they provide a payment method. This guarantees you get paid on your terms, for all the work you do.  

What Makes Ignition Payments Different To Other Processors?

If you are interested in using Ignition for proposals but wanted to see how Ignition compares against other payment processors who offer one-time and recurring payments, this video will highlight some of the key advantages to Ignition Payments.

Ignition Payments Eliminates A/R

With Ignition fully setup, you can completely automate your Accounts Receivable process. 

When a proposal is accepted, your invoice/s will automatically appear in Xero or QiuckBooks. Once payment is collected we disburse the funds to you, reconcile your invoice, and automatically send the receipt to your clients. 

You can also opt to add additional invoice notification recipients (such as a Receipt Bank or Hubdoc email address).  Even better, if you have recurring services, this whole process will repeat every single week or month!

How Ignition Reconciles Invoices 

If you have Xero or QuickBooks integrated with your Ignition account, it will automatically reconcile the payments against your client invoices within 24 hours after the funds are received in your account. 

Ignition deposits 100% of the invoice total (including applicable sales tax if you have taxes enabled), instead of net-of-fees. This guarantees that your client invoices can be automatically reconciled correctly. Ignition collects the transaction fees in arrears from the credit card you used to subscribe to your account. 

If you are using Xero, we create a clearing account (Ignition Payments) in your Xero file where Ignition will automatically create a transaction for each payment that has come in, which is then reconciled against the client invoice.

If you are using QuickBooks, we use your Undeposited Funds account to create transactions for each payment which has come in, which we link automatically to the invoice to reconcile it.

How Ignition Disburses Your Funds

Ignition will deposit lump sum disbursements (made up of all transactions that were deposited on the same day). 

This is to keep the number of transactions you need to reconcile against your bank statement to a minimum. Disbursements are done daily as funds are successfully collected. 

If you are using Xero, to reconcile your bank feed against your lump-sum disbursements from Ignition, you will need to set up a bank rule to automatically apply any payments from Ignition to the clearing account.

If you are using QuickBooks, you reconcile your bank feed against your lump-sum disbursements from Ignition, you will need to apply the lump sum amounts that come into your bank account, to the Undeposited Funds account.

Who Can Use Payments?

Payments are available to anyone with a subscription to Ignition in Australia, New Zealand, USA, Canada and the UK. The available payment methods are as follows:

  • Australia: Visa, MasterCard, American Express, Discover (Domestic), JCB, UnionPay, and Direct Debit

  • United States: Visa, MasterCard, American Express, Diners Club (Domestic), Discover (Domestic), JCB, UnionPay and ACH

  • United Kingdom: Visa, MasterCard, American Express, Diners Club (International), Discover (Domestic) and Direct Debit (BACS)

  • Canada: Visa, MasterCard, American Express, Discover (Domestic), JCB, UnionPay, and Pre-Authorized Debit

  • New Zealand: Visa, MasterCard, American Express, Discover (Domestic), and JC

If you have a trial account, select the appropriate plan for you and once your account has been activated, you will have access to the Payment Settings where you can enable the feature and set your preferences.

To use payments, you must have a valid bank account which holds funds in the local currency* and said account must be with a local bank within your country. You must also be able to provide documents that confirm the status of your business as well as identification from a company representative. 

*Ignition does not support multi-currency. 


For more information on payment collection fees, please see our pricing here. Professional and Scale plans provide discounted payment rates for all transactions. 

Please note: Ignition only charges fees on successful transactions only. There are no chargebacks/NSF fees.


All of our payment providers have been audited by a PCI-certified auditor, and are certified to PCI service provider level 1. This is the most stringent level of certification available. Click here for more information on security.

Terms and Conditions of Payments

Note: For information on how to use payments in your proposals see our article here.

Got questions? Check out all of our Payment-related Articles or get in touch with us at

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