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// SB Financial · for accountants & CPA firms

Payments built for accountants.

A flood of payments every tax season. Recurring bookkeeping clients to bill. Large invoices where a percentage fee really stings. Generic processors weren't built for the way an accounting firm gets paid. That’s why we partner closely with PaySys: through SB Financial, you get processing shaped around the practice — including low-cost ACH on the big ones.

Seasonaltax-season spikes, no holds
Recurringauto-bill retainer clients
ACHlow flat fee on big invoices
Lowereffective processing rates
Get a rate review How it works
// Why generic processors fail firms

Your billing isn't flat.

Volume sits quiet for months, then ten-x's in April — and a retail processor reads that spike as risk and holds your funds at your busiest moment. On a $4,000 engagement, a card percentage is real money. And every recurring bookkeeping client your team invoices by hand is time you can't bill.

A processor that understands professional services expects the seasonality, prices the big invoices right, and automates the recurring ones. That's what I set up through PaySys.

01

Built for seasonal spikes

Underwritten for the tax-season surge, so a 10x month is expected activity — not a reason to freeze your deposits.

02

Low-cost ACH on big invoices

Move large engagement and corporate payments over ACH at a low flat fee instead of a percentage — often the single biggest saving for a firm.

03

Automated recurring billing

Bill monthly bookkeeping and advisory clients automatically — cards or ACH on file — so nobody on your team chases invoices.

04

Pass on card fees, compliantly

Where permitted, surcharge or offer a cash discount so processing costs don't quietly erode your realization rate.

// How it works

Three steps. No disruption.

i.

Send a recent statement

I find your real effective rate and show you exactly where the firm is overpaying — free, before you change anything.

→ same-day reply
ii.

I set up SB Financial

Card + ACH configured, recurring billing automated, surcharging set up where allowed — ready before your next busy season.

→ days, not weeks
iii.

Your firm bills cleaner

Big invoices cost less over ACH, recurring clients bill themselves, and deposits keep flowing through the surge.

→ lower rates, less admin
// Questions

Straight answers.

Will my funds get held during tax season?+

That's exactly what we underwrite for. Your seasonal spike is registered as expected activity, so a 10x April doesn't trip the automated holds a retail processor would impose.

How do I stop losing percentage fees on big invoices?+

Move large engagement and corporate payments to ACH — a low flat fee instead of a percentage. On a $4,000+ invoice that gap is significant, and it's usually the first thing I optimize.

Can I auto-bill my monthly bookkeeping clients?+

Yes. We set up recurring billing on cards or ACH on file, so retainer and subscription clients are charged automatically and your team stops chasing invoices.

What's your role vs. PaySys?+

We're an approved affiliate of PaySys, authorized to market its services. They're the processor; I'm your advocate and point of contact through the rate review, setup, and beyond. As an affiliate partner I'm compensated by PaySys — never by you.

Current as of .