Settings & Configuration

Your complete guide to configuring your PayXT dashboard, connecting your bank, and customizing your workflow.

Business Profile & Quick Actions

Business Profile

Enter your legal Business Name and Support Phone Number. This information appears on the checkout page so your clients know exactly who they are paying.

Top 4 Vendors / Payers

Save the contact information for your 4 most frequent clients. This allows you to auto-fill their details with a single tap, skipping manual entry.

Top Quick Services

Do you frequently charge the same amounts? Set up your Quick Services (e.g., "HVAC Diagnostic: $150"). Tap the service button on your dashboard, and PayXT will instantly populate the amount and memo field.

Connecting Your Bank

PayXT partners with Stripe to process payments securely. We never see or store your private banking details.

Setup Checklist: Have this ready

To comply with federal banking laws (KYC/AML), Stripe requires you to verify your identity before you can accept money. Have these details handy to finish setup in under 3 minutes:

  • Business Info: Legal business name, address, and EIN (or your SSN if you are a Sole Proprietor).
  • Personal Identity: Your full legal name, Date of Birth, and the last 4 digits of your SSN.
  • Payout Details: The Routing Number and Account Number for the checking account where you want your money deposited.
  • Security: A mobile phone to receive a text message for Two-Factor Authentication.

💳 Credit Card Processing: Good news! Once your identity is verified and your bank is connected, credit card processing and Apple/Google Pay are automatically activated by default. You do not need to configure them separately.

You can check your connection status by looking at the color of the bank button in your app's settings:

Blue Button

Not Connected

Tap "Connect your Bank" to open Stripe's secure onboarding portal and provide the information from the checklist above.

Amber Button

Verification Pending

Stripe's compliance team is reviewing your documents. Tap the Refresh icon next to the button to check if they have approved you.

Green Button

Bank Connected

Success! Your bank is securely linked. You are fully authorized to send payment links and receive direct deposits.

Voice Dictation & Smart Assistants

1. The In-App Microphone

PayXT features a smart voice parser built right into the dashboard. Instead of typing out fields manually, simply tap the microphone icon and speak naturally. The app listens to your sentence and automatically extracts the Amount, the Recipient Name, and the Memo, placing them into the correct fields.

Example Sentence:
"Send 150 dollars to Sarah for the HVAC inspection."

The app will automatically put "$150" in the amount, look up "Sarah" in your contacts to grab her phone number, and set "HVAC inspection" as the service memo.

2. Siri & Google Assistant Integration

You can generate an invoice without even opening the app by using your phone's native smart assistant. PayXT registers special shortcut commands (intents) with your phone's operating system.

Apple (Siri)

"Hey Siri, send a PayXT invoice to John for 50 dollars."

Android (Google)

"Hey Google, create an invoice on PayXT."

Important: Google Assistant vs. Gemini AI

On newer Android phones, Google often defaults your voice assistant to Gemini AI. While Gemini is great for chatting, it currently struggles to trigger "deep app actions" like opening specific screens in third-party apps. If your voice commands are just giving you web search results, you need to switch your default phone assistant back to the classic Google Assistant in your Android Settings.

Security Limitation: The Final "Send" Tap

To protect users from rogue apps sending unauthorized text messages, Apple and Google do not allow apps to send SMS messages silently in the background. When you use Siri or Google Assistant to create an invoice, PayXT will generate the secure link and open your text message app automatically—but you must physically tap the "Send" button to dispatch the text to your client.

Taxes & Gateway Fees

Adjusting the Tax Rate

If you are required to collect sales tax, enter your local percentage (e.g., 9.5%).

Where to find this: Check your State's Department of Revenue website or search your local city's tax portal online. Tax rates often combine state, county, and city percentages.

Passing on Processing Fees

PayXT allows you to legally "gross-up" the invoice to cover credit card processing fees so you keep 100% of your money. The default standard is 2.9% + $0.30 per transaction.

Toggle the switch on your dashboard before sending a link to automatically apply this fee to the client's final bill.

Preferences & Security

1

Secure Link Limits (Expiration & Clicks)

Every payment link you generate is highly secure. To prevent bots or unauthorized access, all links automatically expire after 60 days. Furthermore, a link can only be clicked a maximum of 10 times. This click limit is high enough to allow B2B clients to forward the invoice to their Accounts Payable department, but low enough to stop automated abuse.

2

Itemized vs. Simple Receipts

Choose how the text message looks. Itemized sends a full breakdown showing the Base Price, Tax, and Fees. Simple hides the math and only sends the final total amount owed.

3

The Reset Button

Located on the main dashboard, this button instantly clears your current invoice draft, drops any selected quick services, and resets the form so you can start fresh for the next client.

4

The Nudge Button

Did a client forget to pay? The Nudge button instantly copies a polite, professional follow-up message along with the active payment link, ready for you to paste into an SMS.

Troubleshooting Errors

Stuck on "Verification Pending" (Amber Button) â–¼
Stripe legally requires time to verify your identity. This is normal. Tap the Refresh icon occasionally. If it has been more than 24 hours, tap the amber button again to see if Stripe needs additional documents (like a photo ID) to complete the process.
My client paid, but the app says "Unpaid" â–¼
The communication line between Stripe and PayXT (the webhook) usually takes 2 to 5 seconds to update your dashboard after a client enters their credit card. Pull down to refresh your Invoice History screen.
Link won't generate / Infinite Loading â–¼
Ensure your device has an active internet connection. If the issue persists, your subscription may be expired or your authentication token may have timed out. Try forcing the app closed and reopening it.

Frequently Asked Questions (FAQ)

1. What exactly is PayXT? â–¼
PayXT is a mobile-first invoicing application designed for independent contractors, freelancers, and service professionals. It allows you to generate secure checkout links in seconds and text them directly to your clients to get paid instantly via Apple Pay, Google Pay, or Credit Card.
2. How do I actually get the money my clients pay? â–¼
Payments are processed by our secure banking partner, Stripe. Once a client pays your invoice, the funds are held securely in your Stripe account and automatically deposited into the checking account you linked during the setup process.
3. Does PayXT store my banking information or social security number? â–¼
Absolutely not. All sensitive banking data, KYC (Know Your Customer) documents, and payouts are handled directly by Stripe. PayXT only receives a secure digital "token" letting us know your account is active and able to process payments.
4. Can I make the client pay the credit card processing fee? â–¼
Yes. On the main dashboard, simply toggle the "Pass Processing Fee to Client" switch. PayXT will automatically gross-up the invoice total by 2.9% + $0.30, ensuring you receive the full requested amount in your bank account.
5. Why do payment links expire after 60 days? â–¼
This is a strict security measure to protect both you and your client. If a payment is left uncollected for two months, the link is deactivated to prevent old, invalid checkout portals from floating around on the internet. You can always generate a fresh link in 3 seconds.
6. How does the 10-click maximum limit work? â–¼
When you text a link, it can only be opened 10 times before it permanently locks. This allows B2B clients to safely forward the link to their business partner or Accounts Payable department to finalize payment, while effectively blocking automated internet bots from scraping or spamming your checkout page.
7. Why didn't Siri or Google Assistant send the text message automatically? â–¼
Apple (iOS) and Google (Android) strictly forbid apps from sending text messages invisibly in the background. Your voice assistant will do the heavy lifting: creating the invoice, fetching the link, and opening your SMS app. However, you must perform the final physical tap on the "Send" button to dispatch it.
8. I said "Hey Google," but it just opened web search results. What's wrong? â–¼
Your Android phone is likely defaulting to "Gemini AI" instead of the classic "Google Assistant." Gemini currently struggles with executing deep app shortcuts. Go to your phone's Settings > Google > Settings for Google Apps > Search, Assistant & Voice, and ensure "Google Assistant" is your active digital assistant.
9. What happens if I make a mistake on an invoice I just sent? â–¼
Don't panic! Simply generate a new invoice with the correct amount and text the new link to your client with a note to ignore the previous one. If you want to be extra secure, you can log directly into your Stripe Dashboard on a computer to cancel the old payment intent entirely.
10. Do I need special hardware or a card reader? â–¼
No hardware required! PayXT converts text messages into payment portals. The client opens the link on their own smartphone and uses their own Apple Pay, Google Pay, or types in their credit card securely on their own screen.