Accept Payments Online with Thryv Business Center

This article covers how to connect a payment processor to Thryv Business Center™, choose the right processor for your business, and start collecting payments from customers online and in person. It also covers processing rates, restrictions, and frequently asked questions for each supported processor.

This article does not cover: issuing refunds (see How to Refund a Payment to a Customer), setting up a payment button on your Client Portal (see Client Portal Widgets for Your Website), or collecting payments for scheduled appointments (see How to Collect Payment for an Appointment).

In This Article

• Why Collecting Payments Through Thryv Business Center Saves You Time
• Which Payment Processor Should I Use?
• Processing Rates for Each Payment Processor
• How to Connect Your Payment Processor
• ThryvPay: Setup, Eligibility, and Support
• Stripe: Setup, Eligibility, and Support
• Square: Setup, Data Sync, and Support
• Payments FAQ

Why Collecting Payments Through Thryv Business Center Saves You Time

When you connect a payment processor to Thryv Business Center, every payment you collect — whether from an invoice, an appointment, or your Client Portal — is tracked in one place. You no longer need to cross-reference a separate payment app against your customer records. Payments are logged directly to the customer's profile, so you can see exactly what has been paid, what is outstanding, and when.

Thryv Business Center supports ThryvPay™, Stripe, Square, and PayPal as payment processors. Customers can pay online from any device using the live payment link sent with an invoice or estimate. You can also collect payment in advance when a customer books an appointment. Funds collected through any connected processor are deposited directly into the bank account of your choosing — Thryv Business Center does not hold or delay funds on your behalf.

Which Payment Processor Should I Use?

Thryv Business Center supports four payment processors: ThryvPay™, Stripe, Square, and PayPal. You can only have one processor active at a time, but you can switch between processors from your payment settings. If you already use Stripe or Square for your business, you can connect your existing account. If you do not have a payment processor yet, ThryvPay is designed specifically for Thryv Business Center users and does not require a separate account setup outside of the platform.

You do not need to connect a payment processor to use the Sales features in Thryv Business Center. Without a connected processor, you can still send invoices and estimates and record payments made by cash or check. You simply will not be able to run credit card transactions without a connected processor.

Important: If you switch processors and disconnect your current one, any refunds for transactions processed under the previous processor must still be issued through that processor. Thryv Business Center cannot process a refund through a different processor than the one used for the original transaction.

Processing Rates for Each Payment Processor

The following rates apply to transactions processed through each connected payment processor. Thryv Business Center does not charge an additional transaction fee on top of your processor's standard rate. You pay only your processor's published rate.

• ThryvPay: 2.6% + $0.30 for swiped card transactions. 2.9% + $0.30 for online transactions and manually entered card numbers. ACH payments: 1% with a $9.00 cap.
• Square: 2.6% + $0.10 for swiped card transactions. 2.9% + $0.30 for online transactions and manually entered card numbers. 3.5% + $0.15 for in-person manually keyed-in transactions.
• Stripe: 2.9% + $0.30 per transaction.
• PayPal: 2.9% + $0.30 per transaction.

The following chart shows all payment processors supported by Thryv Business Center and their capabilities. It compares ThryvPay, Stripe, Square, and PayPal across transaction types and features available when integrated with Thryv Business Center.

For questions about fees from Stripe, Square, or PayPal, contact those processors directly. Their rates and fee structures are set by each processor and may change independently. Thryv Business Center has no control over third-party processor fees.

How to Connect Your Payment Processor

To connect a payment processor, click Settings in the left-hand navigation of Thryv Business Center. Then click Payments. Under the Merchant Account section, select the payment processor you want to connect and follow the on-screen prompts to link your account or create a new one.

After connecting your processor, confirm that the Online Payments option is checked in your payment settings. This setting must be enabled for customers to pay online through invoices, estimates, or your Client Portal. If Online Payments is not checked, customers will not see a payment option when they receive a payment request from you.

For step-by-step connection instructions for each processor, see the dedicated setup articles linked in each section below.

ThryvPay: Setup, Eligibility, and Support

How to Connect ThryvPay to Thryv Business Center

To connect ThryvPay to your Thryv Business Center account, follow the instructions in How to Connect ThryvPay to Thryv Business Center. ThryvPay does not require a separate account with a third-party provider. The setup process takes place entirely within Thryv Business Center, and you will be asked to provide your business name, category, type of business, and banking information. You do not need a corporation or business license to open a ThryvPay account.

Which Business Types Cannot Create a ThryvPay Account

ThryvPay is not available to all business types. The following business categories are not eligible to create a ThryvPay account based on ThryvPay policies:

• Investment and credit services (securities brokers, mortgage consulting, debt reduction services, credit counseling or repair, investment services, real estate opportunities)
• Money and legal services (financial institutions, money transmitters, money services businesses)
• Virtual currency or stored value
• Intellectual property or proprietary rights infringement
• Counterfeit or unauthorized goods (sales, distribution, or access to counterfeit music, movies, software, or other licensed materials)
• Gambling (contests, fantasy sports)
• Regulated or illegal products or services (cannabis dispensaries, tobacco, e-cigarettes, e-liquid, online pharmacies, prescription-only products)
• Adult content and services
• Get rich quick schemes
• Mug shot publication or pay-to-remove sites
• No-value-added services (resale of a service without added benefit to the buyer)
• Aggregation (licensed or unlicensed aggregation of funds owed to third parties)
• Drug paraphernalia (equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs)
• High-risk businesses (bankruptcy lawyers, remote technical support, psychic services, essay mills, chain letters, door-to-door sales, medical benefit packages)
• Multi-level marketing
• Pseudo pharmaceuticals
• Social media activity
• Substances designed to mimic illegal drugs
• Video game or virtual world credits (sale of in-game currency where the merchant is not the operator of the virtual world)

How to Get Help with Your ThryvPay Account

For live support with ThryvPay, call the dedicated ThryvPay support line at 1-888-479-8729 or send an email to thryvpay@thryv.com. You can also visit the ThryvPay Help Center for self-service guides and videos.

Stripe: Setup, Eligibility, and Support

How to Connect Stripe to Thryv Business Center

To connect an existing Stripe account to Thryv Business Center, follow the instructions in How to Connect Stripe to Thryv Business Center. Use your existing Stripe credentials when prompted during setup. If you already use Stripe for other business purposes, connecting your account to Thryv Business Center means all payments collected through the platform will appear in your existing Stripe dashboard alongside your other transactions.

Does Thryv Business Center Charge Extra Fees on Stripe Transactions

Thryv Business Center does not charge any additional transaction fees on Stripe payments. You pay only the standard Stripe rate of 2.9% + $0.30 per successful card charge. Any questions about Stripe fees or your Stripe account balance should be directed to Stripe directly.

Which Business Types Cannot Create a Stripe Account

Stripe restricts account creation for certain business types. For the current list of restricted business categories, visit Stripe's Restricted Businesses page. The categories Stripe restricts are similar to those listed for ThryvPay and include gambling, adult content, illegal goods, and certain financial services.

How to Get Help with Your Stripe Account

For help with your Stripe account, contact Thryv Business Center 24/7 support for general assistance. For Stripe-specific account questions, go to Stripe's support contact page. Note that you must be logged into your Stripe account to use the contact options on the Stripe website.

Square: Setup, Data Sync, and Support

How to Connect Square to Thryv Business Center

To connect an existing Square account to Thryv Business Center, follow the instructions in How to Connect Your Existing Square Account to Thryv Business Center. If you do not have a Square account yet, follow the instructions in How to Create a Square Account from Thryv Business Center. Only one Thryv Business Center account can be connected to a single Square account at a time.

What Customer Data Syncs from Square to Thryv Business Center

When you connect Square and sync your data, Thryv Business Center pulls up to 10 years of payment history from your Square account. The following customer data fields sync from Square into your Thryv Business Center customer records:

• Reference ID from Square
• Client cards (saved payment methods)
• First and last name (skipped if the customer already exists in Thryv Business Center)
• Company name (skipped if the customer already exists in Thryv Business Center)
• Email address (skipped if the customer already exists in Thryv Business Center)
• Mailing address (skipped if the customer already exists in Thryv Business Center)
• Phone number (skipped if the customer already exists in Thryv Business Center)
• Birthday (skipped if the customer already exists in Thryv Business Center)
• Opt-in preferences (skipped if the customer already exists in Thryv Business Center)
• Groups (will appear as a Tag in Thryv Business Center)
• Square creation source

Thryv Business Center checks for duplicate customers by email address first, then by Square ID. If a customer in Square has no email address on file, Thryv Business Center will use the Square ID to match the record and avoid creating a duplicate. For step-by-step instructions on completing the Square sync, see How to Sync Your Square Data with Thryv Business Center.

How to Process a Refund for a Square Transaction

To process a refund for a payment collected through Square, follow the instructions in How to Process a Square Refund. If you have switched away from Square to a different processor, refunds for transactions originally processed through Square must still be issued through Square. Thryv Business Center cannot issue a refund through a different processor than the one used for the original transaction.

Square Business Restrictions

Square does not permit certain goods and services to be sold through its platform. For the full list of restricted activities, review Square's Terms of Service. Restricted categories include illegal goods, adult entertainment, firearms, gambling, drug paraphernalia, and certain financial services. If your business operates in a restricted category, Square will not be available as a payment option in Thryv Business Center.

How to Get Help with Your Square Account

For help with Square inside Thryv Business Center, contact Thryv Business Center support by emailing support@thryv.com or by accessing live chat and phone support as described in How to Contact Thryv Business Center Support. For Square-specific account questions, visit Square's Help Center.

Payments FAQ

Does a customer need to opt in to receive an invoice or estimate by text or email?

No. Invoices and estimates are considered transactional messages and do not require a customer opt-in. Thryv Business Center will send the invoice or estimate to the customer's email address or phone number on file without requiring prior consent.

Can I update an invoice or estimate after it has been sent to a customer?

No. Once an invoice or estimate has been sent to a customer, it cannot be edited. To make changes, create a new invoice or estimate, or clone the existing one and send the updated version. The original sent invoice or estimate will remain unchanged in the customer's record.

What format is used when an invoice or estimate is sent to a customer?

Invoices and estimates are sent as a live HTML link that the customer can open on any device. The customer can also download the invoice or estimate as a PDF directly from the payment link.

Can I send an invoice or estimate to more than one customer at a time?

No. Invoices and estimates in Thryv Business Center can only be sent to one customer at a time. The customer who receives the invoice or estimate can forward the link to an additional recipient on their end, but Thryv Business Center does not support multi-recipient sending from the platform.

Do I need to open a new bank account to accept payments through Thryv Business Center?

No. Funds from credit card transactions are deposited directly into the bank account you specify during payment processor setup. You can use your existing business or personal bank account. You do not need to open a new account.

How long does it take for funds to reach my bank account after a payment is processed?

Thryv Business Center does not hold or delay funds. Once a transaction is processed and submitted to the card network, deposit timing is determined by your card network. Visa, Mastercard, and Discover transactions typically take 2–3 business days. American Express transactions typically take 3–5 business days.

Will my business name or Thryv appear on my customer's credit card statement?

Your business name and logo (if you have uploaded a logo to your account) will appear on the customer's credit card statement. Thryv Business Center will not appear as the merchant name on any customer-facing statement, regardless of which payment processor you use.

How secure are payments processed through Thryv Business Center?

All payment processing, security protocols, and fraud protection are managed directly by your connected payment processor — ThryvPay, Stripe, Square, or PayPal. Each processor maintains full PCI compliance and secure payment processing standards. Thryv Business Center does not store or have access to raw credit card numbers.

Can I integrate accounting software like QuickBooks with Thryv Business Center?

Yes. Thryv Business Center supports integrations with QuickBooks and other accounting platforms through Zapier. To learn how to connect Thryv Business Center with QuickBooks or other third-party software, see How to Use Zapier with Thryv Business Center.

Does Thryv Business Center have a built-in tax calculator?

No. Thryv Business Center does not include a tax calculator. You are responsible for calculating and including any applicable taxes or fees on invoices before sending them to customers. We recommend consulting a tax professional or using a dedicated tax resource to determine the correct rates for your city and state.

What should I include in the Terms and Conditions section on my invoices?

The Terms and Conditions on your invoices should be determined by you or your legal advisor based on your business type and local requirements. Thryv Business Center does not provide legal advice or pre-written terms. The Terms and Conditions field in your invoice settings is a free-text field where you can enter the language your business requires.

Not finding what you need? Ask in the Thryv Business Center Community.