Get invoices paid
the way your clients trust
Accounting firms live on recurring engagements and invoices that clients pay late. Sterling Ridge plugs into QuickBooks, Zoho, and FreshBooks, adds a pay-now rail to every invoice, and handles phone-authorized MOTO payments with the trust framework CPAs require.
No surprises. No shutdowns. No stress.
Amount due
$12,400
A+BBB RatingAccredited Business
4.8/5GoogleCustomer reviews
4.5/5MetaCustomer reviews
5/5Merchant MaverickExpert review
Top RatedTop Credit Card Processors2026
#2,150Inc. 5000Fastest growing
Why accounting merchants
outgrow mainstream processors
These aren't edge cases — they're the predictable failure modes of processors that were never built for your category.
A/R stretching past 45 days
Invoices without an embedded payment path get paid when clients get around to it. A pay-now button with ACH and card options routinely cuts days-sales-outstanding by double digits.
Card fees on five-figure engagements
3% on a $15,000 engagement is $450 gone. The same invoice via Sterling ACH costs a fraction — and tax-season invoices are exactly the size where it matters.
Phone payments without a safe process
Clients read card numbers over the phone; without a proper MOTO setup, that's both a compliance exposure and a chargeback risk. Purpose-built MOTO flows make it safe and defensible.
Key features built for
accounting merchants
Everything below is included with your account — no add-on modules, no upsells.
Accounting software integrations
Two-way sync with QuickBooks, Zoho Books, and FreshBooks — invoices carry payment links, and payments reconcile automatically.
Pay-now invoice links
Every invoice includes a hosted payment page with ACH and card options, so paying takes clients less time than filing the email.
ACH-first for large invoices
Bank payments under 2% on the engagements where card fees hurt most, with next-day settlement into your operating account.
Compliant MOTO processing
Phone and mail-order payments with a proper virtual terminal, authorization records, and receipts — the trust-first process clients expect from their CPA.
Recurring retainer billing
Monthly bookkeeping, payroll, and advisory retainers draft automatically with retries — predictable revenue without invoicing chores.
Client-level reporting
Payment status by client and engagement, exportable for your own books — the reporting an accountant actually wants from a processor.
Sterling Ridge vs
standard processors
Swipe horizontally to compare →
| What you get | Sterling Ridge | Standard processors |
|---|---|---|
| Two-way QuickBooks / Zoho / FreshBooks sync | ||
| ACH under 2% on large invoices | ||
| Compliant MOTO virtual terminal | ||
| Recurring retainer billing with retries | ||
| Pay-now links on every invoice | ||
| Rates tuned for professional services | ||
| Dedicated account manager | ||
| Accepts major credit cards |
Your trusted accounting
payments partner
Upfront underwriting instead of surprise shutdowns, 25+ acquiring banks instead of a single point of failure, and a dedicated account manager who knows your file by name. That's why accounting merchants stay with us for years.
Approval rate
Acquiring bank partners
Next-day funding
High-risk approval time
Accounting sub-verticals
we serve every day
Ready to process as a
accounting merchant?
Tell us about your business and a payment specialist who knows your industry will reach out — usually the same day.
- 99% of applicants approved
- Same-day review for most files
- No long-term contracts or hidden fees
- Prior shutdowns don't disqualify you
Get Started
Start accepting payments as a accounting merchant — no contracts or hidden fees.
You're in good company
with our processing services
“Sterling ACH has helped to significantly reduce the number of checks we have to put in the mail, which has saved us on postage and time spent.”
“Sterling Merchant has been a great asset to our organization for the past 5 years. They are always quick to respond and a pleasure to work with.”
“Sterling Merchant has been great at keeping our payment processing fees at an absolute minimum.”
“Thanks to the insightful advice and great service offered by the team at Sterling Merchant, our ecommerce business operates more efficiently.”
“eCheck verification has reduced returned checks for our clients by 63%, resulting in thousands saved on bank fees. They also offer A+ developer support!”
“Very reliable verification and great customer service. Customer support is always responsive and available.”
“We have over 90 locations and Sterling Ridge helps us collect our money faster, easier and more efficiently.”
“Sterling ACH has helped to significantly reduce the number of checks we have to put in the mail, which has saved us on postage and time spent.”
“Sterling Merchant has been a great asset to our organization for the past 5 years. They are always quick to respond and a pleasure to work with.”
“Sterling Merchant has been great at keeping our payment processing fees at an absolute minimum.”
“Thanks to the insightful advice and great service offered by the team at Sterling Merchant, our ecommerce business operates more efficiently.”
“eCheck verification has reduced returned checks for our clients by 63%, resulting in thousands saved on bank fees. They also offer A+ developer support!”
“Very reliable verification and great customer service. Customer support is always responsive and available.”
“We have over 90 locations and Sterling Ridge helps us collect our money faster, easier and more efficiently.”
“Excellent service! Sending invoices with Sterling ACH has significantly reduced A/R by letting our customers pay online.”
“Sterling Ridge helped us solve one of the crucial problems we were having as a business: recurring payment to vendors.”
“Sterling ACH allows us to easily request one-time and recurring rent payments from our tenants.”
“Sterling Ridge has made it easy for our business to receive funds the next day from our clients.”
“Every small business needs Sterling ACH! It has allowed me to send and receive payments quickly, securely, and reliably.”
“Sterling Ridge has been an invaluable addition to our company. It has drastically reduced the time to receive funds.”
“Excellent service! Sending invoices with Sterling ACH has significantly reduced A/R by letting our customers pay online.”
“Sterling Ridge helped us solve one of the crucial problems we were having as a business: recurring payment to vendors.”
“Sterling ACH allows us to easily request one-time and recurring rent payments from our tenants.”
“Sterling Ridge has made it easy for our business to receive funds the next day from our clients.”
“Every small business needs Sterling ACH! It has allowed me to send and receive payments quickly, securely, and reliably.”
“Sterling Ridge has been an invaluable addition to our company. It has drastically reduced the time to receive funds.”
Trusted by thousands of businesses and entrepreneurs across 60+ industries
Accounting merchants ask,
we answer.
Yes — two-way. Invoices generated in QuickBooks (or Zoho Books / FreshBooks) carry a payment link automatically, and incoming payments post back against the right invoice without manual entry.
Industries we serve
beyond yours
60+ verticals, one processor that says yes.
Your industry isn't a problem.
It's our specialty.
Get approved as a accounting merchant and start processing within days — not months.
Get started with Sterling RidgeNo long-term contracts · No setup fees · No cancellation fees