but the money itself follows one simple path. An order becomes an invoice, your customer pays, and the payment lands in your bank account with your books already squared. This article follows that path end to end: how you get paid, when you get paid, what comes out along the way, and what happens when a payment reverses.
The short version
An order becomes an invoice. Every invoice ties back to the order it came from.
Your customer pays that invoice by card, ACH, check, or a payment link.
Pepper collects the payment, verifies the funds, and batches it with your other payments for the day.
Pepper pays you out. You get one daily payout to your bank, with a statement that breaks down everything inside it.
The payment posts back to your ERP, so your books close without double entry.
One payout, not a hundred transactions
You do not track individual card and ACH transactions as they clear. Pepper collects every payment your customers make, batches them, and sends you a single payout on a set schedule. Each payout arrives with an email that breaks down which invoices and customers it covers. Card or ACH, the money comes together on the same cadence, so reconciliation is one line of work instead of dozens.
When you get paid
Payouts are daily. Payments clear the next business day, regardless of how they were issued. The money you collect today is on its way to you tomorrow, with nothing extra for your team to do.
Two details worth knowing:
For American Express, your business name can take one to two days to appear on the customer's statement.
AutoPay runs against a 6 PM cutoff in your time zone. Payments started before the cutoff are picked up that day.
What comes out of a payout
Your payout is the net amount, not the gross. A few things come out before the money reaches you, and each one appears as its own line on your statement, so nothing is hidden.
Processing fees. You choose whether to pass card and ACH processing fees to your customers, set per customer and per payment method in PMC. With passthrough on, the customer pays the fee at the time of payment and nothing comes out of your payout. With passthrough off, the fee nets out of your deposit.
Refunds. Any full or partial refund you issue reduces the payout, since that money goes back to the customer.
Reversals and their fees. If a payment reverses after you were paid, the amount is clawed back and a flat $10 fee per chargeback is applied. Both show as separate line items, covered in the next section.
Because every deduction is itemized, you can always tie your net deposit back to the gross activity behind it.
When a payment reverses
Pepper pays you quickly, sometimes before a payment is permanently final. An ACH debit can bounce days later, and a card charge can be disputed weeks later. When a payment you were already paid for reverses, Finance Hub handles it for you automatically:
The invoice goes back to owed, so it shows as an open balance again for you and your customer.
The reversed amount is clawed back from your next payout and appears as a CHARGEBACK line item.
A flat $10 fee per chargeback appears as a separate line item on the same payout, and it applies regardless of how the dispute is resolved.
Pepper emails your admins with the customer name, the amount, the affected invoices, the payment method, and the reason.
This is why a payout total will not always match your gross sales for the period. The clawback is the counterweight to daily payouts: it lets Pepper pay you fast, and it keeps every reversal visible on your statement instead of leaving an unexplained gap. To cut down on reversals in the first place, Pepper recommends enabling Plaid for ACH, which verifies the customer's bank and available balance before a payment goes through.
For chargeback types, dispute deadlines, and how to submit evidence, see the Chargebacks on Pepper article.
Where the details live
This article is the map. For the turn-by-turn, the existing Finance Hub articles go deeper:
Finance Hub: Distributor FAQ covers payment methods, AutoPay frequency, partial payments, and passthrough fees.
Chargebacks on Pepper covers reversal reasons, dispute deadlines, and how to submit evidence.
Processing Checks covers how scanned checks match back to invoices.
Payment Status Glossary defines every status on the Transaction History page.
Getting Started with Finance Hub covers turning on payments and first-time setup.