Why Choose ACH Payments?
ACH payments are:
Secure: Your bank account details are encrypted and processed through Spectora’s trusted payment partner, Stripe, ensuring your information is safe.
Cost-Effective: ACH transfers often have lower processing fees compared to credit cards, which helps your service provider keep costs down.
How to Pay via ACH
Paying for a home inspection through Spectora is straightforward:
Access Your Client Portal: After booking your inspection, you’ll receive an email with a link to your personalized portal.
Select “Pay Now”: On the payment page, you’ll see the option to pay via bank transfer (ACH).
Enter Your Bank Details: Provide your bank routing and account numbers as prompted. This is securely done through Stripe. Double-check the information for accuracy to avoid failed payments.
Confirm the Payment: Once you complete the process, the payment will be initiated.
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💡 Quick tip: Click on the video above to expand it in another window. |
Click "Pay Now" in Client Portal
Select "Bank Transfer"
Input full name, email and select your bank
Confirm bank choice and continue
Enter bank login credentials
Confirm where to send verification code
Enter code and continue
Select bank account and continue
(Optional step) save payment information with Link
ACH payments typically take up to 5 business days to fully process. You’ll be notified when the payment has been successfully completed.
✨ You have the option to use and/or save your payment information with Link. You can read more about Link here.
What Happens If the Payment Fails?
In rare cases, ACH payments may fail due to:
Insufficient funds in your account.
Incorrect bank details provided during payment.
If a payment fails, Spectora will notify you and your inspector. You’ll need to reprocess the payment, ensuring the details are correct. Keep in mind that a failed payment fee may apply. Failed ACH bank transfer payments incur a $4.04 fee. You can read more about fees here.
How Refunds Work for ACH Payments
If your inspection is canceled or a refund is required:
Your inspector can issue the refund directly through the platform.
Refunds typically take 3–5 business days to reflect in your bank account.
Note that ACH refunds will match the original payment amount, and processing fees are not refundable.
Tips for a Smooth Payment Experience
Have Your Bank Details Handy: Make sure you have accurate account and routing numbers ready before initiating payment.
Plan for Processing Time: As ACH payments can take a few days to process, complete your payment well before the scheduled inspection date.
Check Your Bank Statements: Verify that the payment has been debited from your account to avoid any surprises.
By using ACH payments, you’re not only opting for a secure and seamless payment process but also supporting your home inspector by minimizing their transaction fees.
If you have any questions or feedback, write into our chat bubble or email support@spectora.com!
