For most systems integrators, getting paid still involves more steps than it should: export a proposal into QuickBooks, build a separate invoice, email it, wait, follow up, deposit a check, and reconcile it all by hand. Every one of those steps is a place where money and time get stuck. A built-in payment solution fixes that by collapsing proposal, invoice, and payment into one connected workflow.
D-Tools Payments is D-Tools' answer to that problem: a payment processing solution embedded directly in D-Tools Cloud. Here's why an embedded payment solution beats bolted-on invoicing and card terminals, plus how ACH and lower processing fees add another layer of savings on top.
What Is D-Tools Payments?
D-Tools Payments is a secure, fully embedded payment processing solution within D-Tools Cloud. Instead of bouncing between a proposal tool, accounting software, and a separate card terminal, integrators can send a payment request the moment a proposal is accepted. Clients can pay by credit card, debit card, bank transfer (ACH), or digital wallet, right inside the same platform. Onboarding is fast, with businesses typically able to start processing transactions within about 30 minutes, backed by detailed reporting, dispute and refund management, and dedicated customer support.
7 Advantages of a Built-In Payment Solution
1. No more building separate invoices: Because payment requests live inside the same platform as the proposal, integrators skip exporting data into QuickBooks or another accounting tool just to generate an invoice. The proposal becomes the payment request.
2. No more chasing checks or making bank runs: When payment is requested and collected digitally, there's no waiting on a mailed check, no trip to the branch to deposit it, and no guessing when or if it will show up.
3. Faster, more predictable cash flow: Collapsing proposal-to-payment into a single step means invoices go out sooner and get paid sooner. Integrators managing payroll, vendor bills, and job costs benefit from money arriving on a more consistent, trackable schedule instead of trickling in on the client's timeline.
4. A noticeably easier experience for customers: Clients can pay however they prefer — card, debit, bank transfer, or digital wallet — without hunting for a separate invoice email or logging into a different portal. Presenting a payment request right after proposal acceptance, instead of a string of back-and-forth emails, makes paying feel like a natural next step rather than a chore.
5. One place for reporting and disputes: Because transactions run through the same system as the job itself, integrators get detailed reporting and can manage disputes or refunds from one dashboard instead of piecing together records across multiple tools.
6. Fast setup, no added complexity: Rather than negotiating a separate merchant services contract or installing a standalone card terminal, onboarding typically takes about 30 minutes, with transparent pricing built in from day one.
7. Built-in security and compliance: An embedded payments solution comes with encryption, card brand compliance, and regulatory safeguards baked in, so integrators aren't left managing that piece on their own.
ACH Offers Lower Fees on Top of a Better Workflow
Once payments are centralized in one platform, the payment method clients choose matters too. This is where ACH bank transfers pull ahead of credit cards. Credit card processing typically runs 2.75% to 4% per transaction, while standard ACH through D-Tools Payments runs about 1%, often capped at $10 to $25. On a $10,000 payment, that's the difference between a fee in the $25 to $100 range versus $275–$400. Next-day ACH funds for a slightly higher 0.8% fee, closing the old gap where ACH's only downside was waiting several days for funds to clear.
Customers are already voting with their wallets: roughly two-thirds of D-Tools Payments transactions are completed via ACH, and average ACH payments run more than double the size of average credit card payments. Integrators who set ACH as the default option, rather than an afterthought, tend to see clients follow that lead without pushback.
Real Proof: How SimpleHome Streamlined Getting Paid
Birmingham, Alabama-based SimpleHome LLC felt this shift firsthand. Managing Partner Michael Moore had been manually exporting proposals into QuickBooks to build invoices — a workflow he described as clunky. After adopting D-Tools Payments, that friction disappeared.
“Having that payments request right there following the acceptance of the proposal is a much more natural process," Moore says. The result was faster, more reliable cash flow.
“We are getting our money faster… sometimes days, sometimes weeks,” he adds. Setting ACH as the default also paid off immediately.
"The first two or three transactions were ACH because I had made the effort to set ACH as the default,” he explains.
Frequently Asked Questions
Q: What makes a built-in payment solution better than a separate invoicing tool?
A: It removes duplicate data entry, cuts the number of tools integrators juggle, and lets clients pay as soon as a proposal is accepted instead of waiting on a separately generated invoice.
Q: How fast can an integrator start using D-Tools Payments?
A: Onboarding is designed to take about 30 minutes, with no lengthy merchant application process.
Q: Does ACH still take days to clear?
A: Not necessarily. Standard ACH funds within about five business days, but accelerated ACH through D-Tools Payments funds in one business day.
Q: How much can an integrator save by encouraging ACH?
A: Fee savings typically run 1.75 to 3 percentage points per transaction compared to credit cards. ACH savings cam add up quickly on large deposits and progress payments.
The Bottom Line
The biggest win of a solution like D-Tools Payments isn't any single feature, it's what happens when invoicing, payment collection, and reporting stop being separate chores and become one connected step. Add in ACH's lower fees and next-day funding, and integrators get a faster, cheaper way to get paid without asking clients to do anything more than tap "pay."
