Running a business means constantly balancing big ideas with real-world logistics. Maybe there’s a dream project you’ve been holding off on, a new hire you’ve been meaning to make, or just a need for breathing room during a slower season. But when capital feels out of reach, growth can stall.

We see that. We get that. And we want to be more than just your CRM—we want to be your partner in helping you move your business forward with confidence.

That’s why we’re officially introducing Dubsado Payments Capital, through our partnership with Stripe Capital.

This new offering gives eligible U.S.-based businesses fast, flexible access to funding—without impacting personal credit scores or waiting weeks for an answer. Whether you're ready to scale or need a financial safety net, Dubsado Payments Capital helps you manage cash flow, invest in growth, and take on new opportunities—on your terms.

What is Dubsado Payments Capital?

Dubsado Payments Capital is a small business financing solution powered by Stripe Capital* that provides eligible users with access to funds based on their Dubsado Payments powered by Stripe transaction history and volume.

Key benefits:

• No impact to personal credit scores
• Simple application process
• No compounding interest or late fees
• One flat fee—clearly outlined before you accept
• Pay as you earn—payment is collected automatically through a percentage of your sales as they are processed*
• Funds in as little as 2 business days if you’re approved

How it works

1. Keep an eye on your email—There’s no opt-in process—Stripe will automatically notify you via email when you are eligible with your personalized financing offer.
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2. Review and select your offer — Select the amount that fits your business needs. Each offer includes a flat fee and a payment rate—clearly stated up front.
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3. Receive your funds — If approved, funds are typically deposited into your Stripe account within 1–2 business days.
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4. Repay automatically — Payment is collected automatically through a percentage of your sales as they are processed*

Offering capital allows us to support your business in new ways—when you need it most. We’re proud to partner with Stripe to offer eligible users access to flexible funding that fits the flow of your business and rewards you for your growth.

By using Dubsado Payments, you’re not just simplifying how you get paid—you’re unlocking additional tools like Dubsado Payments Capital to help you grow with ease.

Want to learn more?

Ready to understand how Dubsado Payments Capital works and how you can increase your chances of becoming eligible for an offer?

Dubsado Capital offers financing types that include loans and merchant cash advances. All financing requests are subject to a final review prior to approval. Dubsado Capital loans are issued by Celtic Bank, powered by Stripe. Dubsado Capital merchant cash advances are provided by YouLend.Loans are issued by Celtic Bank and powered by Stripe. All loans are subject to credit approval.

*Dubsado Capital loans have a minimum amount due each payment period, and if the minimum amount that you pay through sales doesn’t meet the minimum your account will be automatically debited the remaining amount at the end of the period. If your loan has a fixed payment, Stripe stops withholding from your Stripe sales when you meet the fixed payment amount. The payment terms for your offer will be detailed during the application process.

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You can now easily create and edit internal events without needing to switch over to desktop.

Or, need to update details for a scheduled client appointment? Whether you’re looking to:

• Adjust appointment times, locations, availability, or project assignments
• Add notes or adjust the description
• Delete or cancel the event

Make these edits effortlessly by tapping the three vertical dots (•••) on any scheduled appointment or event—whether from the Events tab or within a project’s Scheduling tab.

Note: editing Scheduler appointments requires a Premier plan.

Learn more about editing events here →

There’s more: the Events tab now includes a plus (+) icon in the bottom-right corner of your screen, giving you a streamlined way to create a new project or internal event—all from one central place in the app.

Learn more about creating events here →

This update is ready to use in your mobile app. Haven’t tried it yet? Now’s the perfect time—grab it on the App Store or Google Play to keep your business moving, no matter where your day takes you.

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The invoice list you rely on in the desktop version is now in the Dubsado mobile app! Now, from managing invoices to collecting payments, everything you need is right in your pocket.

How this benefits you

Instead of navigating through individual projects, the new invoice list in the app lets you:

• View, filter, and manage invoices: Access all invoices from one central tab for better organization.
• Track payments with ease: Sort by paid, overdue, in-progress, or closed invoices to stay on top of finances.
• Take action on invoices faster: Quickly access payment plans, edit invoices, accept Tap to Pay or apply manual payments and more—right from your phone.

Where to find it

You can now access the invoice list under: the More tab → Invoices tab in the Dubsado mobile app.

This update is ready to use in your mobile app. Not using the app yet? Download now from the App Store or Google Play and unlock a new level of on the go productivity.
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What is Tap to Pay?

With Tap to Pay and Dubsado Payments, you can now accept debit/credit cards, Apple Pay, Google Pay, and other contactless payments directly from your smartphone—no hardware required. Your clients can simply tap their compatible card or device to pay—no manual entry, no delays.
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Why you’ll love it

• No extra hardware required – Your phone is all you need.
• Get paid instantly – No more sending links and waiting for payment.
• Lower in-person transaction fees (varies by location) – Keep more of what you earn.
• Works with surcharging and gratuity – Offset processing costs and boost earnings.
• Frictionless client experience – A fast, professional way to accept payments.
• Secure & private – Built-in security features ensure card details are never stored on your device or servers.

Availability, software, and device compatibility

• Must be using Dubsado Payments.
• Tap to Pay on iPhone is available in: Australia, Austria, Canada, Czech Republic, France, Germany, Ireland, Italy, Netherlands, New Zealand, Sweden, United Kingdom, and United States.
• Tap to Pay on Android is available in: Australia, Austria, Belgium, Canada, Czech Republic, Denmark, Finland, France, Germany, Ireland, Italy, Luxemborg, Netherlands, New Zealand, Norway, Poland, Portugal, Singapore, Spain, Sweden, Switzerland, United Kingdom, and United States.
• Requires iPhone XS or later with iOS 16.7+ (varies by country) or a compatible Android device. See all compatibility details here.

How to enable Tap to Pay

1. You will be prompted with a pop-up to set up Tap to Pay when first opening the Dubsado mobile app.

​2. Tap the toggle to enable Tap to Pay

​3. iPhone users only: you must agree to the Tap to Pay on iPhone terms and conditions

4. Give the Dubsado mobile app access to your location while using the app.

5. For merchants who do not yet have a Stripe terminal location set up, you are also asked to confirm your business’s address.

Want to complete setup or make changes at a later time? You can access anytime via the More tab → Tap to Pay Settings.

How it works

Accepting payments only takes a few simple steps.
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1. Access Tap to Pay:

• From the More tab: Select Invoices (NEW!) → Select an invoice → Select Tap to Pay
• In a client’s project: Invoices tab → Select invoice → Tap three dots → Select Tap to Pay
• From the Projects tab: Select Tap + → Select Tap to Pay

2. Process Payment:

• Present your phone.
• Client taps card/device over the contactless symbol. Tap to Pay can be used in conjunction with added gratuity, with surcharging, or with both gratuity and surcharging enabled.
• Payment complete!

Processing fees

The fees listed below are the standard transaction fees for Tap to Pay by location—they are not additional charges on top of regular Stripe processing fees. These rates apply specifically to Tap to Pay transactions processed through Dubsado Payments.

Ready to try it?

Start accepting in-person payments instantly and experience the freedom to get paid on your terms—no hardware, no hassle.

For more details about how Tap to Pay works, check out our help documentation below.

If you have any questions, our support team is here to help. Contact us at hello@dubsado.com.

Don’t have the app yet? Download now from the App Store or Google Play.

We hope you enjoy this new addition to the Dubsado mobile app! Let us know how Tap to Pay is transforming your business by sharing and tagging @dubsado.
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We’re thrilled to introduce email scheduling to the Dubsado mobile app! This feature is designed to make your client communications on-the-go more flexible and stress-free, letting you send emails on your terms and send to your clients at the perfect time.
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Why you’ll love it

• Work-life balance: Write emails when it works for you and schedule them for your clients’ ideal timing.
• Improved organization: Plan future client communications without the need for reminders.
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How it works

1. Head to the “Emails” tab in the client’s project.
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2. Tap the “Compose” button.
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3. When done writing your email or customizing one of your canned email templates, press and long hold the “Send” button.
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4. Select from one of the scheduling options that works best for you and tap the “Schedule email” button.
• Schedule for 3 hours from now
• Send tomorrow morning at 9:00 AM
• Plan it for one week from now
• Pick a CUSTOM date and time 💫
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Start scheduling emails today and experience the freedom to work smarter, not harder. We hope you enjoy this new addition to the Dubsado mobile app!

Learn more about this exciting feature here.
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Ready to try it?

This update is ready to use in your mobile app. Not using the app yet? Download now from the App Store or Google Play and unlock a new level of on the go productivity.
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Note: You must enable Klarna in your Dubsado payment settings to start using it.

We’re thrilled to announce our new integration with Klarna, another powerful “Buy Now, Pay Later” option to streamline client payments in Dubsado. This new feature is built to elevate your sales, drive more conversions, and offer greater flexibility for your clients.
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What is Klarna?

With Klarna, clients can pay in easy installments over time, giving them flexibility while you enjoy the benefit of receiving the entire payment upfront.
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Availability

• Available to merchants in Australia, Austria, Belgium, Canada, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, United States
• Users in the above countries invoicing in AUD, CAD, CHF, CZK, DKK, EUR, GBP, NOK, NZD, PLN, RON, SEK, or USD

Key features

1. Automatic integration: Klarna is now available for all eligible Dubsado accounts to opt-in, if wished.
2. Seamless checkout: Appears on invoices over $50 for the full balance.
3. Flexible payment options: Depending on their location, clients can choose from various installment plans.
4. Upfront payment: You receive 100% of the funds immediately (minus the transaction fees, of course).
5. Risk-free: Klarna handles all payment collection and assumes any repayment risks.

How to enable Klarna

You can turn it on by going to Settings ➔ Payments and invoices and toggling on the “Accept Klarna payments” option.

How it works

1. Your client clicks pay now on the invoice total Klarna at checkout for eligible invoices.
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2. They choose a payment plan that fits their budget.
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3. You receive the full payment amount upfront from Klarna.

4. Klarna manages the installment payments with your client.
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What happens if I need to submit a refund

Refunds can be issued within Dubsado or Stripe within 180 days.
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Klarna payment options for your clients

Depending on their location, buyers have the flexibility to select from various payment options:

• In four interest-free installments (US, AU, CA, NZ).
• In three interest-free installments (FR, CZ, GR, IE, IT, PT, ES, UK).
• In 30 days (AT, BE, DK, FI, DE, NL, NO, PL, SE, UK).
• Instantly with one-click payment (AU, AT, BE, CA, DE, IT, NL, PL, PT, ES, SE, CH).
• Via financing, up to 36 months 0% APR and interest-bearing options (AU, FI, DE, NO, SE).

Important limitations

• Klarna cannot be used on autopay, recurring invoices or with surcharging.
• It's only available for one-time, full-balance payments.

Benefits for your business

• Increased revenue: Businesses using Klarna have seen up to a 6.6% increase in revenue on eligible sessions.
• Higher conversion rates: Enjoy up to a 30% boost in conversion rates on purchases of $50 or more.
• Improved cash flow: Receive full payment upfront, enhancing your financial stability.
• Expanded customer base: Attract clients who prefer flexible payment options.
• Reduced risk: Klarna takes on the responsibility of collecting payments and managing any associated risks.

Standard pricing

While this is slightly higher than standard processing fees, the benefits often outweigh the cost due to increased sales, higher conversion rates, and improved cash flow.

Eligibility criteria for Klarna to appear

1. You're using Dubsado Payments.
2. Your business is located in the available regions (see above).
3. The total invoice amount (including tip) must be greater than $50. Payment maximum varies by customer and geography ($10K maximum in the US).
4. The client is paying the entire invoice balance.
5. The invoice is not a recurring invoice, scheduler invoice, or an invoice with autopay already enabled.
6. Your business category is not on the list of blocked categories.

Who can use Klarna?

Almost all industries that use Dubsado can use Klarna. If you are not seeing the option to enable Klarna, please contact us.
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Support

If you have any questions or need assistance with Klarna, our support team is here to help. Contact us at hello@dubsado.com

We're excited to see how Klarna will help boost your sales. Start using this powerful payment solution today and watch your conversions skyrocket!

FAQ

Can you use Klarna with Affirm?

Yes, you can use both Klarna and Affirm together. When both are toggled on your clients will be able to choose between the two.

We're excited to announce the integration of Affirm, a powerful "Buy Now, Pay Later" solution, into your Dubsado account. This new feature is designed to boost your sales, increase conversions, and provide more flexibility for your clients. This feature is on and live in eligible accounts. If you wish to turn off, follow these instructions.

🚨 Limited-time promotional offer 🚨

From launch until November 25th, we're offering a special introductory rate of just 3% +.30cents on Affirm transactions – half off the standard rate!

What is Affirm?

Affirm is a flexible payment solution that allows your clients to split their payments into manageable installments, while you receive the full payment upfront.

Availability

Affirm is currently only available for eligible businesses in the United States and Canada (more info eligibility below)

Key features

1. Automatic Integration: Affirm is now automatically enabled for all eligible Dubsado accounts.
2. Seamless Checkout: Appears on invoices over $50 for the full balance.
3. Flexible Payment Options: Clients can choose from various installment plans.
4. Upfront Payment: You receive 100% of the funds immediately (minus the transaction fees, of course).
5. Risk-Free: Affirm handles all payment collection and assumes any repayment risks.

How it works

1. Your client clicks pay now on the invoice total Affirm at checkout for eligible invoices.
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2. They choose a payment plan that fits their budget.

3. You receive the full payment amount upfront from Affirm.

4. Affirm manages the installment payments with your client.

Affirm payment options for your clients

• For purchases up to $250: 4 interest-free payments every 2 weeks
• For orders between $150 and $30K: Installment plans up to 36 months (including 0% and interest-bearing options)
• Payment limits: $50 minimum, $30K maximum, with a maximum credit limit of $20K

Important limitations

• Affirm cannot be used on autopay, recurring invoices or with surcharging.
• It's only available for one-time, full-balance payments.
• Certain business categories are not eligible (see Blocked Categories section).

Benefits for your business

• Increased Revenue: Businesses using Affirm have seen up to a 14% increase in revenue on eligible sessions.
• Higher Conversion Rates: Enjoy up to a 21% boost in conversion rates on purchases of $250 or more.
• Improved Cash Flow: Receive full payment upfront, enhancing your financial stability.
• Expanded Customer Base: Attract clients who prefer flexible payment options.
• Reduced Risk: Affirm takes on the responsibility of collecting payments and managing any associated risks.

Standard pricing

The regular rate for Affirm transactions is 6%. While this is higher than standard processing fees, the benefits often outweigh the cost due to increased sales, higher conversion rates, and improved cash flow.

How to use

Affirm is automatically enabled for all eligible accounts. No additional setup is required.

Eligibility criteria for Affirm to appear

1. You're using Dubsado Payments.
2. Your business is located in the US or Canada.
3. The total invoice amount (including tip) is greater than $50.
4. The client is paying the entire invoice balance.
5. The invoice is not a recurring invoice, scheduler invoice, or an invoice with autopay already enabled.
6. Your business category is not on the list of blocked categories (see below).

Blocked categories for Affirm

Please note that Affirm is not available for certain business categories. The top 10 blocked categories relevant to Dubsado users are:

1. Consulting, Management and Public Relations Services (MCC: 7392)
2. Business Services Not Elsewhere Classified (MCC: 7399)
3. Computer Programming, Data Processing and Integrated System Design Services (MCC: 7372)
4. Accounting, Auditing and Bookkeeping Services (MCC: 8931)
5. Contractors, Special Trade Contractors–not elsewhere classified (MCC: 1799)
6. Schools And Educational Services–Not Elsewhere Classified (MCC: 8299)
7. Commercial Art, Graphics, Photography (MCC: 7333) (Note: this is just commercial photography and not general photography)
8. Attorneys, Legal Services (MCC: 8111)
9. Motion Picture and Video Tape Production and Distribution (MCC: 7829)
10. Debt, Marriage, Personal–Counseling Services (MCC: 7277)

If your business falls into one of these categories, you may not be eligible to use Affirm.

How to disable Affirm

If you prefer not to offer Affirm, you can turn it off by going to Settings ➔ Payments and invoices and toggling off the Affirm option.

Marketing support

We've created templates to help you promote Affirm to your customers. Access these resources [Link to templates] to effectively communicate this new payment option to your clients.

Best practices

1. Highlight Affirm as a payment option in your proposals and on your website.
2. Educate your clients about the flexibility Affirm offers.
3. Consider adjusting your pricing strategy to account for larger purchases that Affirm enables.

Support

If you have any questions or need assistance with Affirm, our support team is here to help. Contact us at hello@dubsado.com

We're excited to see how Affirm will help grow your business. Start using this powerful tool today and watch your sales soar!

Don't have the Dubsado mobile app? Join over 12,000 users who are managing their business on the go. Download now from the App Store or Google Play!

We're excited to introduce a major update to the Dubsado mobile app! Our new email suite brings powerful desktop features to your phone (and one exclusive to the mobile app), making it easier than ever to manage your business communications on the go.

New in our mobile email suite:

Rich text editing

You'll be able to craft professional emails with ease. The new editor will allow you to:

Add, edit, and remove links

Change font, size, and color

Apply bold, italic, and underline styles

Insert block quotes

Align text

Create bullet and numbered lists

Undo or redo your changes

Synced email drafts

Never lose your train of thought again. With this new feature:

• Reply to an email on the go
• Pause when life happens
• Pick up right where you left off—all from your phone Your ideas will be safe and waiting for you, whenever you're ready to hit send.

Note: This is currently only available in replies to emails. This will be coming to new emails in 2025.

Canned emails and smart fields

Personalization meets efficiency. This highly anticipated feature will allow you to:

• Access your entire library of email templates
• Customize messages with smart fields right from your phone
• Save time while maintaining your professional touch, wherever you are

New mailbox

Say hello to a smarter inbox! Your new mobile mailbox will feature:

• A general inbox for all your Dubsado emails
• The ability to assign emails to projects and clients

• Options to archive or delete emails on the go

Keep your mobile inbox as tidy as your desktop!

Push notifications for new emails

Stay in the loop, even on the move. You'll be able to:

• Turn on email notifications
• Get alerted when you receive an email from a client

Edit emails in workflows

Your workflows are about to get more flexible. You'll be able to:

• Edit emails directly within a workflow
• Fine-tune your client communications on the fly

Time for a glow up! ✨

Your Dubsado app is ready for its big transformation, complete with powerful new features that'll make managing your business on the go smoother than ever.

Swing by your app store and tap that update button – it's like giving your workflow a serious upgrade. Go on, treat yourself (and your app) to this exciting new version!

We can't wait to hear what you think about these new features. As always, we're here to help if you have any questions or need assistance.

We're thrilled to introduce two big feature additions to the mobile app in this update, enhancing your ability to manage your business on the go.

Create projects and clients on mobile

You can now create projects and clients directly from your mobile device.

How to access:

• Projects Page: Tap "+" in the top right corner

• Events Tab: Tap "+" at the bottom right, then "Create Project"
• Clients Section: Go to "More" > "Clients", then tap "+" in the top right

Mobile task management

Tasks are now available on your mobile device, allowing you to manage your work wherever you are.

Features:

• View tasks assigned to you or linked to projects
• Add new tasks
• Filter your task list

How to access:

• Global view: Go to "More" > "Tasks" See all tasks, add new ones, and use filters

• Project view: Open a project > "Tasks" section View tasks for that specific project

Note: Task boards are not available on mobile.

What this means for you

These updates bring more flexibility to your workflow, allowing you to capture new opportunities and manage your business efficiently from your mobile device.

We're continuously working to improve your Dubsado experience. Thank you for your feedback and support!

We're excited to announce the launch of our highly anticipated "Apply manual payments" feature for the Dubsado mobile app!

Feature highlights

• Apply payments received in person, on-the-go, directly through the app
• Eliminate the need to remember and log payments later
• Streamline your payment process for improved efficiency

Why this matters

Since the launch of our mobile app in July, applying manual payments has been one of our most requested features. We're thrilled to deliver this functionality to enhance your mobile experience and help you manage your business more effectively.

How to use

• Open the project you want to apply a payment to and click the "Invoice tab". Note the invoice must be open and still have a balance on it.

• Navigate to the "Transactions" screen
• Tap "+ Log new payment"

• Enter the following details: Date, payment method, and description (optional)
• Tap "SAVE" to log the payment

With this new feature, you can now easily keep track of all your payments, whether received online or in person, ensuring a more seamless financial management experience for your business.

We hope you enjoy this new addition to the Dubsado mobile app!