This article answers common questions about ThryvPay™  Thryv's built-in payment processing tool including fees, funding timelines, scheduled payments, convenience fees, surcharges, tips, disputes, and availability. This article does not cover how to set up or configure ThryvPay. To get started with ThryvPay, see the Guided course on getting started with ThryvPay. For a full breakdown of ThryvPay processing fees, see the ThryvPay fee schedule.

Why use ThryvPay to collect payments

ThryvPay is built directly into Thryv Business Center™, which means you can book, invoice, and collect payment from clients all in one place  no separate payment terminal, no third-party app, and no manual reconciliation between systems. ThryvPay supports credit cards, bank transfers, Google Pay, Apple Pay, scheduled payments, installment plans, and memberships, giving your clients flexible payment options while keeping all of your transaction reporting in a single dashboard. With no monthly fees and competitive processing rates, ThryvPay is designed to help small businesses get paid faster with less overhead.

Getting started with ThryvPay

How easy is it to sign up for ThryvPay?

Signing up for ThryvPay takes approximately five minutes. The sign-up process includes a guided walkthrough that steps you through the application. You can sign up for ThryvPay during your initial Thryv login using the QuickStart Wizard, or at any time by clicking Settings in the left-hand navigation and then clicking Payments, or by clicking Sales in the left-hand navigation and then clicking ThryvPay.

Is any additional equipment required to use ThryvPay?

No. ThryvPay is fully software-based. You can book appointments, send invoices, and collect payments entirely within Thryv Business Center with no additional hardware or equipment required.

Can ThryvPay be used as a standalone product?

No. ThryvPay must be used in conjunction with Thryv Business Center or Thryv Command Center. ThryvPay is not available as a standalone payment product outside of a Thryv account.

Can I have more than one ThryvPay account connected to one Thryv Business Center account?

No. Each Thryv Business Center account can be associated with only one ThryvPay account.

Can I still use Square or Stripe if I sign up for ThryvPay?

Yes. Thryv Business Center supports multiple payment processors, and you can toggle between them in your payment settings. To activate a payment processor, navigate to your payment settings and connect the processor of your choice. Only one payment processor can be active at a time.

Is ThryvPay available in Australia and Canada?

Yes. ThryvPay is available in both Australia and Canada. Transaction fees and surcharge rates vary by country. See the international rates section below for details.

ThryvPay fees and pricing

What are the processing fees for ThryvPay?

Credit card processing is charged at 2.9% plus $0.30 per transaction for all major credit cards, whether the payment is submitted by invoice or keyed in manually. Bank transfer processing is charged at a minimum of $1.00 or 1% of the transaction amount, up to a maximum of $9.00 per transaction. When a surcharge is assessed on a credit card transaction, the processing rate is 3% plus $0.30 and the surcharge passed to the customer is 3%, resulting in a net transaction cost to you of $0.30. US prices are reflected here. Rates may vary in your country  see the international rates chart below.

Are there any monthly fees with ThryvPay?

No. ThryvPay has no monthly fees. You only pay processing fees on completed transactions. For a full breakdown of all applicable fees, see the ThryvPay fee schedule.

Is there a fee for scheduled payments?

Yes. A $1.00 fee applies to every completed scheduled payment transaction. This fee is automatically charged to your account when a recurring billing, installment plan, or membership payment transaction is successfully completed.

Will I receive a 1099-K for credit card transactions processed through ThryvPay?

Yes. Thryv will mail a 1099-K to your business address before the January deadline each year. No action is required on your part to receive your 1099-K.

Payment options and funding timelines

What payment methods does ThryvPay accept?

ThryvPay accepts credit cards, bank transfers, Google Pay, and Apple Pay. To enable Google Pay and Apple Pay, navigate to your ThryvPay settings and toggle on the payment methods you want to offer. When a client makes a payment, they are given the option to choose between credit card and bank transfer for their payment method.

Are there benefits to offering both bank transfers and credit card payments?

Yes. Offering both payment methods gives your clients the flexibility to pay in the way that works best for them, which can reduce friction at checkout and improve payment completion rates. You can also determine which payment methods to offer on a per-transaction basis depending on the situation.

How quickly are funds deposited after a transaction?

Credit card transactions completed before 8:00 PM Eastern Time are funded to your account the next business day. Credit card transactions completed after 8:00 PM Eastern Time are included in the following day's total and funded the business day after that. Bank transfer transactions are funded to your account within 7 to 10 business days.

When a refund is issued through ThryvPay, how long does it take to reach the customer?

Refund timelines vary depending on the customer's bank, but refunds generally take 5 to 10 business days to appear in the customer's account. Once the refund is submitted through ThryvPay, the timeline is controlled by the issuing and receiving banks and is not under ThryvPay's direct control.

Scheduled payments

What are scheduled payments in ThryvPay?

Scheduled payments are a ThryvPay feature that allows you to automate future charges for clients, reducing late or missed payments and making ongoing revenue easier to manage and track. ThryvPay offers three types of scheduled payments: recurring payments, which automatically charge a client on a weekly, monthly, or quarterly basis; installment plans, which split a large total into partial payments over time; and memberships, which collect monthly or advance payments to generate client loyalty and recurring revenue.

Where do I find scheduled payments in Thryv Business Center?

Scheduled payments are located under the Sales section in the left-hand navigation of Thryv Business Center. Click Sales, then click Scheduled Payments to open the Scheduled Payments tab. The Scheduled Payments tab displays all upcoming and completed scheduled payment transactions, including the remaining balance on installment plans and the next payment date for recurring payments.

Can a scheduled payment be linked to a specific invoice?

Yes. When creating a new invoice for a client who has existing unpaid invoices, ThryvPay will display the option to select a preferred unpaid invoice and schedule a payment against it. This option appears automatically when a client with unpaid invoices is selected during invoice creation.

Convenience fees and surcharges

What is the difference between a convenience fee and a credit card surcharge?

A convenience fee is an optional flat dollar amount you can pass through to clients to help offset your transaction processing costs. A surcharge is a percentage fee charged to clients specifically because they paid with a credit card. While the two terms are often used interchangeably, they are distinct in how they are calculated and regulated.

Can I charge a convenience fee on credit card transactions?

Yes. ThryvPay allows you to charge an optional flat convenience fee when a client pays online with a credit card. The convenience fee can only be applied when the client enters their own payment information and selects credit card as their payment method. As the business owner, you cannot apply a convenience fee when processing a payment on behalf of a client from within Thryv Business Center.

Why is the convenience fee a flat amount instead of a percentage?

Credit card surcharge regulations vary by state and by credit card company, and many credit card companies prohibit surcharges on certain transaction types. To protect your business from non-compliance risk while still giving you a way to offset transaction costs, ThryvPay enables surcharges only in states where local laws permit them. In states where surcharges are not permitted, a flat convenience fee is offered instead.

How do surcharges work in states where they are permitted?

If surcharges are legal in your state, a surcharge toggle will appear in your ThryvPay settings. When the surcharge toggle is turned on, the surcharge rate applied to transactions matches the processing fee percentage for your country. In the US, where the processing rate for surcharge transactions is 3% plus $0.30 and the surcharge passed to the client is 3%, your net transaction cost is $0.30. Surcharge rates vary by country — refer to the international rates chart in the fees section above for rates outside the US.

Accepting tips through ThryvPay

How can tips be included with a payment?

To accept tips through ThryvPay, navigate to your ThryvPay settings and opt in to accept tips. Once tips are enabled, clients will have the option to add a tip when completing a payment. Tips are charged as a separate transaction in addition to the invoice total and incur a separate processing fee. Tip transactions appear as a separate line item from the original transaction in your ThryvPay reporting tab.

ThryvPay reporting

What transaction information is available in ThryvPay reporting?

ThryvPay reporting is accessible directly within Thryv Business Center under the Sales section. The reporting tab displays a detailed transaction history for all ThryvPay activity, including the transaction amount, the payment method used (credit card or bank transfer), client information, and the transaction type — such as individual payment, scheduled payment, tip, or refund.

Disputes, chargebacks, and support

How are disputes and chargebacks handled with ThryvPay?

When a dispute or chargeback is filed on a ThryvPay transaction, you will receive a notification in your Thryv Inbox with details about the chargeback, including the total amount in dispute and the date the dispute was filed. The ThryvPay Support team will assist you in gathering and submitting the documentation needed to respond to the dispute. To reach the ThryvPay Support team, call 1-888-THRYVPAY, email thryvpay@thryv.com, or use the chat feature inside Thryv Business Center.

What level of support is available for ThryvPay?

Thryv offers 24/7 support for ThryvPay users, including a dedicated ThryvPay Support team available to assist with payment disputes, funding and deposit questions, chargebacks, and questions about your ThryvPay application. Contact the ThryvPay Support team by calling 1-888-THRYVPAY, emailing thryvpay@thryv.com, or using the chat feature inside Thryv Business Center.