Cash flow problems in restoration almost always come down to one thing: the gap between when work is completed and when payment arrives. The most effective ways restoration companies improve cash flow are collecting deposits and deductibles upfront before work begins, sending payment requests digitally at every stage of the job rather than waiting for a final invoice, and reducing the time it takes for insurance checks to clear. Albi Pay addresses all three. Payment links can be sent at work authorisation to collect upfront before equipment is pulled. Check deposits — including multi-party insurance checks — clear in 3–6 days rather than the industry average of 30–45 days. Every payment is tracked inside the Albi job in real time, so accounts receivable always knows exactly where each payment stands. Restoration companies that collect earlier, deposit faster, and track automatically consistently run with healthier cash flow.

QuickBooks Payments requires an invoice before any payment can be collected, which means you can’t take deposits or deductibles upfront. It also limits payment processing to office staff — most restoration companies don’t want to give field technicians QuickBooks access. Albi Pay lets any team member collect payments from the field at any stage of the job, without QuickBooks access, at lower fees — 3.2% for card versus QuickBooks’ 3.5%, and ACH capped at $15. Every payment syncs automatically to QuickBooks in the background. You keep QuickBooks for accounting. You use Albi Pay to actually get paid.

Good news — so does Albi Pay. Checks are the most common payment type in restoration, and Albi Pay is the only restoration platform built to handle them from the field. Using Albi Pay with Check Deposits, your team photographs and deposits single and multi-party insurance checks directly from the job site using the Albi mobile app. Funds typically clear in 3–6 business days — no bank trip, no chasing signatures, no waiting. Customers who prefer ACH bank transfer still have that option too, with fees capped at $15. The check doesn’t slow you down anymore.

Yes — and the most financially healthy restoration companies do. Collecting a deposit or deductible upfront before work begins is standard practice and protects the contractor from cash flow gaps caused by slow insurance payments. For most restoration jobs, the homeowner’s deductible is the most straightforward upfront payment to collect. On a typical $8,000 water mitigation job with a $2,000 deductible, collecting upfront means 25% of costs are covered before a single piece of equipment is pulled. Albi Pay makes upfront collection simple — payment links are sent by text or email at work authorisation, before work begins, with no app download required for the homeowner. Deductibles, deposits, and progress payments can all be collected at any stage of the job, by any team member, directly from the field.

Payment processing fees for restoration companies vary by method and platform. Credit and debit card transactions typically range from 2.9% to 3.5% plus a fixed per-transaction fee depending on the processor. ACH bank transfers are lower cost but many processors charge a percentage with no cap — on a $50,000 insurance payment, an uncapped 1% ACH fee costs $500. Check processing has traditionally been free at the bank but carries hidden costs in staff time, bank runs, and payment delays. Albi Pay offers some of the most competitive rates in the restoration industry: card transactions at 3.2% plus $0.30 — lower than QuickBooks’ 3.5% — and ACH capped at $15 regardless of payment size, saving hundreds of dollars on large insurance payments. Mobile check deposit through Albi Pay with Check Deposits processes at 2% with funds typically clearing in 3–6 business days, eliminating the operational cost of bank runs entirely.

Albi Pay is fully PCI-compliant, which means no credit card information is ever stored or exposed on your end. Customers receive a secure payment link by text or email — your team never handles card details directly. Every transaction is protected by fraud detection and end-to-end encryption. For check deposits, the Albi mobile app captures check images securely within the platform. Your financial data and your customers’ payment information are protected at every stage of the transaction.

Multi-party insurance checks — payable to both the contractor and the homeowner — have historically required in-person endorsements and bank visits, adding weeks to the payment cycle. Albi Pay with Check Deposits handles the entire process from the field. Technicians photograph the check using the Albi mobile app, the co-endorsement is managed digitally inside Albi, and funds typically clear within 3–6 business days. No bank trip. No chasing signatures.

The fastest restoration companies collect payments at multiple stages of the job rather than waiting until the end. With Albi Pay, you can collect a deductible or deposit upfront at work authorisation, take progress payments mid-job, and process final payment at completion — all via secure digital payment links sent by text or email. For insurance checks, Albi Pay with Check Deposits eliminates the bank visit and clears funds in 3–6 days rather than the industry average of 30–45 days. Getting paid faster in restoration starts with collecting earlier and depositing smarter — Albi Pay makes both possible.

Yes — using Albi Pay with Check Deposits. Albi Pay is the first and only restoration platform to offer mobile multi-party check deposit. Technicians photograph the check from the field using the Albi mobile app, the endorsement workflow is handled digitally inside Albi, and funds typically arrive in 3–6 business days. No other restoration job management platform currently offers this capability. Deposits support up to $100,000 per check.

Yes — and Albi Pay is the only restoration platform that makes it possible, including for multi-party insurance checks payable to both the contractor and the homeowner. Albi Pay with Check Deposits is live now. Your team photographs the check using the Albi mobile app, the endorsement process is handled digitally inside Albi, and funds typically arrive in 3–6 business days. Deposits support up to $100,000 per check — sized for the jobs where delayed payment causes the most damage. No bank visit required.

Albi Pay with Check Deposits handles both single-party and multi-party insurance checks. Single-party checks are deposited directly from the field using the Albi mobile app. Multi-party checks — payable to both the restoration contractor and the homeowner — are the most common source of payment delays in the industry. Albi Pay manages the full endorsement process digitally, removing the need for in-person signatures or bank visits. Funds typically clear in 3–6 business days for both check types, with deposits supported up to $100,000 per check.

Funds deposited through Albi Pay with Check Deposits typically arrive in 3–6 business days. The industry average for multi-party insurance checks processed through traditional methods — bank visits, in-person endorsements, manual tracking — is 30 to 45 days. Albi Pay compresses that timeline significantly by handling the entire deposit and endorsement process digitally from the field. Deposits are subject to limits and holds at Albi’s discretion.

Albi Pay with Check Deposits supports deposits of up to $100,000 per check. This limit is sized specifically for the large-loss restoration jobs — water damage, fire damage, and major structural restoration — where delayed payment causes the most operational and financial damage. Single and multi-party insurance checks up to this limit can be deposited directly from the field using the Albi mobile app, without a bank visit.

Albi Pay supports four payment methods in a single integrated platform: mobile check deposit, ACH bank transfer, credit and debit card, and digital payment links. It is the only restoration platform to offer all four. Check deposit handles single and multi-party insurance checks from the field. ACH is capped at $15, saving hundreds on large insurance payments. Card payments are accepted at 3.2% — lower than QuickBooks’ 3.5%. Payment links can be sent at any stage of the job by any team member, by text or email, with no app download required for the customer.

Albi Pay and QuickBooks Payments serve different purposes. QuickBooks Payments requires an invoice before collecting payment, limits processing to office staff, charges 3.5% for card transactions, and has no capability for mobile check deposit. Albi Pay lets any team member collect payments from the field at any job stage, charges 3.2% for card transactions, caps ACH fees at $15, and is the only restoration platform to offer mobile single and multi-party check deposit with funds clearing in 3–6 days. Albi Pay integrates directly with QuickBooks so all transactions sync automatically — you get the speed and flexibility of Albi Pay without losing your QuickBooks accounting workflow.

Albi Pay is fully PCI-compliant. No card data is stored or exposed at any point in the transaction. Customers pay through a secure link sent by text or email — your technicians never handle card details directly. Every transaction is encrypted with fraud protection built in. For check deposits, images are captured securely within the Albi mobile app. Albi Pay is built to the same security standards expected of financial services platforms, giving restoration companies and their customers confidence that every payment is protected.

Yes. Albi Pay payment links can be sent at any stage of the job — including at work authorisation, before any work begins. Collecting the homeowner’s deductible upfront is one of the most effective ways to improve cash flow in restoration. On a typical $8,000 water mitigation job with a $2,000 deductible, collecting upfront with Albi Pay means 25% of your costs are covered before a single piece of equipment is pulled. The payment link is sent by text or email — no app download required for the customer.

No. Albi Pay operates completely independently of QuickBooks for your field team. Technicians can collect payments, deposit checks, and send payment requests directly from the Albi mobile app without any QuickBooks access. All transactions sync automatically to QuickBooks in the background, so your accounting stays accurate without exposing your financial system to field staff. Role-based access in Albi Pay means each team member operates under their own credentials — no shared logins, no security gaps.