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Your ThryvPay® settings page is where you manage the primary contact information and bank details tied to your ThryvPay® account, define which payment methods you accept, and configure how fees and tips are handled. This article walks through every setting available so you can configure ThryvPay® to match how your business runs.

Note: If you have questions about any of these settings, the Thryv® Support team is available 24/7 via chat, phone, or email.

Why Your ThryvPay® Settings Matter

Getting your ThryvPay® settings right from the start saves you time and protects your bottom line. Choosing the right payment methods reduces friction for your clients. Setting a credit card transaction limit helps you control processing fees before they add up. Enabling a convenience fee or surcharge lets you offset those costs entirely. A clear statement descriptor means fewer confused clients and fewer chargebacks. These settings work together — taking a few minutes to review them puts you in control of every transaction that flows through your business.

How to Access ThryvPay® Settings

To make changes to your ThryvPay® settings, navigate to Sales, then select ThryvPay, then select Settings.

The screenshot above shows the navigation path to reach ThryvPay® Settings. Select Sales from the left navigation, then select ThryvPay, then select Settings.

Payment Settings

The Payment Settings section controls which payment methods you accept and how fees are applied to transactions.

The screenshot above shows the Payment Settings section badge inside ThryvPay® Settings.

Card & Wallet Pay

The Card & Wallet Pay toggle determines whether you accept credit card payments and digital wallets, including Apple Pay and Google Pay. When this toggle is on, you can also set a maximum transaction limit for this payment method.

Setting a transaction limit is useful for controlling processing fees — for example, you could require that any payment of $5,000 or more be completed via ACH, cash, or another method instead of a credit card.

The screenshot above shows the Card & Wallet Pay toggle and the optional maximum transaction amount field that appears when the toggle is enabled.

Offset Credit Card Fees

The Offset Credit Card Fees section lets you pass credit card processing costs on to your clients by enabling either a Convenience Fee or a Surcharge. Use the toggles to turn either option on or off.

• Convenience Fee — A flat fee added to all credit card transactions. Once you turn the toggle on, enter a dollar amount for the fee.

  • Convenience fees create a separate transaction and receipt.

  • Convenience fees only display on invoices or when sending a payment link to your client.

  • Convenience fees only apply to debit and credit card transactions.

  • The fee amount will be clearly displayed on the invoice at the time of purchase.

  • Clients who pay with a credit card will be charged the fee. Switching to a different payment method allows them to avoid it.

• Surcharge — A percentage of the total payment request added to offset credit card processing costs. The surcharge percentage will always match your transaction fee rate, so your net processing cost will always be $0.30.

  • Surcharges are illegal in some states. If your business is located in a state where surcharges are not permitted, the surcharge option will be automatically disabled so your account stays compliant with state law.

  • Transaction rates and surcharges vary by country. See the international rates chart in the screenshot below.

The screenshot above shows the international transaction rates and surcharge chart available inside Payment Settings.

For a full walkthrough of how convenience fees and surcharges work, see ThryvPay Convenience Fee or Surcharge.

The screenshot above shows the Offset Credit Card Fees section with both the Convenience Fee and Surcharge toggles and their configuration options.

Bank/ACH Debit

The Bank/ACH Debit toggle determines whether you accept bank transfer payments. This toggle must be set to on for clients to pay you through ACH. For a full walkthrough of accepting ACH payments, see ThryvPay Bank Transfers.

The screenshot above shows the Bank/ACH Debit toggle inside Payment Settings.

Tips

The Tips toggle determines whether clients can leave a tip through ThryvPay®. When this toggle is on, you can enter up to three default tip percentages for clients to choose from. An Other option will also appear, allowing clients to enter a custom tip amount.

• Tips create a separate transaction and receipt.

• Tips only display on invoices or when sending a payment link to your client.

For a full walkthrough of accepting tips, see ThryvPay Tip Option.

The screenshot above shows the Tips toggle and the default tip percentage fields that appear when the toggle is enabled.

Statement Descriptor

The Statement Descriptor controls how payments made to your business appear on your clients' bank statements. A clear, recognizable statement descriptor helps reduce chargebacks and builds trust with your clients. Select each dropdown inside this section to view the full requirements for your statement descriptor.

The screenshot above shows the Statement Descriptor section. Select each dropdown to review formatting requirements before entering your descriptor.

Business Information

The Business Information section displays the contact and business details tied to your ThryvPay® account. You can update these details at any time, though changes require identity verification.

The screenshot above shows the Business Information section badge inside ThryvPay® Settings.

How to Edit Business Details

To update your business details, select Edit in the Business Details section.

Note: The Business Name field pulls from your Thryv® Settings and reflects your registered business name. The Doing Business As field controls the name that appears on your clients' bank statements when a transaction processes — updating this field changes how your business appears on client statements.

The screenshot above shows the Business Details editing panel. Select Edit to make changes to any field.

Identity Verification for Business Detail Changes

Any changes made to the Business Details section require identity confirmation. A 4-digit code will be sent to either the phone number or email address on file with your ThryvPay® account. Enter that code on the verification screen to confirm your identity and unlock editing.

The screenshot above shows the identity verification screen. Enter the 4-digit code sent to your phone or email to confirm your identity before editing.

The screenshot above shows the confirmation screen that appears after successful identity verification, indicating that your business information is now available to edit.

How to Change Your Connected Bank Account

To change the bank account that receives your ThryvPay® deposits, select Change in the Business Information section. Identity verification is required, as described above. Once verified, you will need your routing number and account number to complete the bank account update.

The screenshot above shows the bank account section inside Business Information. Select Change to update the bank account that receives your ThryvPay® deposits.

How to Disconnect ThryvPay®

To disconnect ThryvPay® from your account, select Disconnect ThryvPay. You can reconnect your account at any time.

The screenshot above shows the Disconnect ThryvPay button at the bottom of the Business Information section.

User Profiles

Below the bank account section, you will find User Profiles. Each staff member with ThryvPay® access will appear here. To edit a profile, select the Edit button next to the profile. Keep in mind that 2-factor authentication is required to save any changes. For a full guide to managing user profiles, see ThryvPay User Profiles.

The screenshot above shows the User Profiles section. Select Edit next to a profile to update that staff member's ThryvPay® access details.

Bank Details

The Bank Details section displays information about your currently connected bank account and any previously connected accounts. Only one bank account can be connected to ThryvPay® at a time.

The screenshot above shows the Bank Details section badge inside ThryvPay® Settings.

How to Replace Your Connected Bank Account

To replace your connected bank account, select Replace in the Bank Details section. You will need to complete 2-factor authentication before proceeding. The steps that follow are the same as connecting a bank account for the first time. For a full walkthrough, see Connect Bank Account to ThryvPay.

The screenshot above shows the Bank Details section displaying the connected account, account history, and the Replace button.

Frequently Asked Questions

What does this article cover?

This article covers the settings available inside ThryvPay®, including payment method toggles, convenience fees, surcharges, tips, statement descriptors, business information, identity verification, bank account management, and user profiles. This article does not cover initial ThryvPay® setup or processing individual transactions.

Are tips and convenience fees available with other Thryv® payment gateways?

No. Tips and convenience fees are exclusive to ThryvPay®. These features are not available through other payment methods connected to your Thryv® account.

Will changes made in my desktop settings apply to transactions processed through the mobile app?

Yes. ThryvPay® settings are account-wide. Any changes you make on desktop apply automatically to the mobile app — there is no need to update settings separately on your mobile device.

I no longer have access to the phone number used for 2-factor authentication. What should I do?

If you have lost access to the phone number used for 2-factor authentication on your ThryvPay® account, contact the Thryv® Support team at 844-998-4798 for assistance. Support is available 24/7.

What is the difference between a Convenience Fee and a Surcharge?

A Convenience Fee is a flat dollar amount added to credit card transactions. A Surcharge is a percentage of the transaction total that matches your processing rate, bringing your net processing cost to $0.30. Only one option can be active at a time. Note that surcharges are not available in all states — if your state prohibits surcharges, that option will be automatically disabled in your settings.

Can I set a limit on how much clients can pay by credit card?

Yes. When the Card & Wallet Pay toggle is on, you can enter a maximum transaction amount for credit card and digital wallet payments. Any payment above that amount would need to be completed using ACH, cash, or another accepted method.

How do I connect a bank account to ThryvPay® for the first time?

Connecting a bank account for the first time is covered in a separate guide. See Connect Bank Account to ThryvPay for full steps.