HubWho
Launching Q4 2026 — Payments

Get paid your way — to your own bank.

HubWho sits on top of your own merchant account, so you keep the lower rates and the direct relationship. Clients pay by ACH, card, or wallet; the money lands in your bank, never ours.

Get early access
Your own merchant

Your processor. Your rates. Your payouts.

Connect Stripe Connect for instant onboarding or Authorize.net/NMI for the lowest direct-merchant rates. Either way, payouts go straight to your bank and HubWho takes nothing per transaction.

  • Stripe Connect or Authorize.net / NMI — your choice
  • Payouts to your bank, on your processor's schedule
  • 0% platform fee on end-client transactions
agency.hubwho.com/payments/payouts
Payouts to your bank
  • Jun 18$4,210Chase ••4242
  • Jun 11$3,880Chase ••4242
  • Jun 4$5,120Chase ••4242
Your Stripe / Authorize.net merchant — HubWho takes 0% of transactions.
Wallets & ACH

One pay link. Every way your client wants to pay.

Each invoice gets a hosted pay page with Apple Pay, Google Pay, card, and bank (ACH) — so clients pay in two taps and you collect faster.

  • Apple Pay + Google Pay via Payment Request
  • Card or ACH bank debit (Plaid-linked)
  • Hosted, secured by your merchant account
pay.acme-agency.com/invoice/8842
Invoice #8842 · Acme Bakery

$749.00

Due Jul 1 · Riverside Marketing Co.

Apple Pay
Google Pay
Card or bank (ACH)

Secured by your merchant account

Stored methods

Save a method once, auto-draft from then on.

Vault a client's card or bank once and HubWho drafts recurring invoices automatically — with retries and branded reminders if a charge ever fails.

  • Tokenized cards + ACH in the payment-method vault
  • Auto-draft recurring invoices on the due date
  • Smart retries on failure, money straight to you
agency.hubwho.com/billing
Auto-draft · ACH on due date

  1. Invoice generated

    Acme Bakery · $749

  2. ACH auto-drafted

    on due date — no chasing

  3. Settled to your bank

    your merchant account

  4. →

    Margin booked

    $437 (58%) this client

Payments flow to your merchant account — HubWho never touches the money.

How it works

1

Connect a merchant

Onboard Stripe Connect in minutes, or link an existing Authorize.net / NMI account for the lowest rates.

2

Send a pay link

Every invoice gets a hosted pay page with wallets, card, and ACH — branded as your agency.

3

Money lands with you

Funds settle directly to your bank via your processor. HubWho records it and books the margin.

Questions

Does HubWho ever hold my money?
No. Payments flow from your client straight to your own merchant account. HubWho is the billing and reconciliation layer — funds never pass through us.
Apple Pay and Google Pay too?
Yes — the hosted pay page offers Apple Pay and Google Pay via the Payment Request API wherever the client's device supports them, plus card and ACH.
Stripe or Authorize.net — which should I use?
Stripe Connect is fastest to set up; Authorize.net/NMI usually wins on rates if you already have (or can get) a direct merchant account. HubWho supports both behind one interface.

See it on your own agency.

HubWho launches Q4 2026. Join the waitlist for early access.

Get early access