Accepting credit cards is no longer optional for most service-based businesses. Clients expect fast, secure, digital payment options, whether they’re booking a session, approving a proposal, or paying an invoice. Knowing how to take credit card payments in 2026 helps you create a smoother client experience, speed up cash flow, and reduce the friction that comes with outdated payment methods.
In this guide, we’ll walk through the main ways businesses accept credit card payments today, then break down the exact steps to get set up, whether you’re processing payments online, in person, or through an all-in-one client management platform. We’ll also explain how tools like HoneyBook simplify the entire process by combining invoicing, payment collection, and workflow automation in one place.
Understanding your options for taking credit card payments in 2026
Before setting up your workflow, it’s helpful to understand the different ways service-based businesses accept credit card payments today. In 2026, most teams use a blend of online and in-person payment tools depending on how and where they interact with clients. The best way to take credit card payments depends on whether you’re sending invoices, collecting deposits, or taking payments during an in-person session.
Online payment processors
These platforms let clients pay through an online checkout page or payment link. They’re ideal for businesses that send digital invoices, proposals, or quick payment requests, and they often support online credit card payments with automated receipts and recurring billing.
All-in-one client management platforms
Tools like HoneyBook combine payment processing with invoicing, contracts, scheduling, and communication. This gives businesses a centralized place to manage clients from first inquiry through final payment. Key advantages include:
- Branded invoices and proposals integrated payment reminders
- Automatic payment schedules and recurring billing
- Fast, secure card processing without needing third-party tools
These systems simplify operations for teams who want everything, including payments, communication, contracts, and project details in one place.
In-person card readers
For on-site or field-based work, mobile card readers make it easy to accept chip, tap, or swipe payments from a phone or tablet. This is especially helpful for businesses that collect deposits during sessions, offer add-on services, or complete projects at the client’s location.
Mobile payment apps
Mobile apps allow freelancers and small teams to accept card payments anywhere. These tools often support:
- Simple checkout pages
- QR code payments for quick on-the-spot invoicing
- Instant confirmation messages for clients
They’re a practical solution for business owners who need flexibility without setting up a full POS system.
Digital wallets and contactless payments
More clients now prefer to pay using Apple Pay, Google Pay, and similar digital wallets. Most processors support these methods automatically, offering both convenience and added encryption for security. Contactless payments are also faster, reducing friction during checkout.
Step-by-step: How to take credit card payments in 2026
Once you understand your payment options, the next step is creating a workflow that helps you take payments quickly and securely. These steps outline the best way to take credit card payments in 2026.
Step 1: Choose a payment processor
Your payment processor handles the transaction, moves funds, and deposits money into your bank account. When evaluating processors, look for:
- Transparent pricing with no surprise fees
- Fast payouts (typically 1–3 business days)
- Accepted payment types (cards, wallets, ACH, or bank transfers)
- PCI-compliant security, encryption, and fraud screening
- Ease of use across invoices, payment links, and mobile tools
Choosing the right processor sets the foundation for a smooth payment experience.
Step 2: Set up your business or merchant account
Before accepting payments, your processor will verify your business details. You may need:
- Legal business name and structure
- Business address and contact information
- Tax ID or SSN
- Bank account details
- A short description of your services
After verification, you can begin accepting payments immediately.
Step 3: Select your payment tools
Different businesses rely on different formats depending on how they interact with clients. Common tools include:
- Digital invoices with a built-in “pay now” button
- Direct payment links for deposits or quick charges
- Client portals for proposals, contracts, and payments
- In-person card readers for on-site sessions or events
- Recurring schedules for memberships or installment plans
Choose the tools that match your workflow and client needs.
Step 4: Configure your payment settings
Before sending your first payment request, adjust your preferred settings. These may include:
- Accepted payment types
- Deposit or retainer requirements
- Installment or milestone payments
- Automated reminders
- Optional tipping
- Late fees or payment terms
Setting expectations upfront creates consistent, predictable billing.
Step 5: Send an invoice or payment request
Provide clients with a clear, easy-to-read invoice or payment link. Be sure to include:
- Service description
- Itemized pricing
- Total amount due
- Accepted payment methods
- Due date or terms
- Any notes or policies
A polished, professional invoice reduces questions and speeds up payment.
Step 6: Track payments and payouts
Your processor or CRM should help you track:
- Invoice views
- Payment submissions
- Payout timing
- Failed or retried payments
Real-time tracking helps prevent missed payments and simplifies reconciliation at tax time.
Step 7: Ensure security and compliance
Security remains essential for protecting your business and your clients. Best practices include:
- Using PCI DSS–compliant processors
- Avoiding manual storage of card information
- Enabling fraud detection tools
- Using secure (HTTPS) checkout pages
- Clearly communicating how you protect client data
A secure workflow builds trust and encourages timely payments.
Why HoneyBook makes accepting credit card payments easier in 2026
If you want a faster, more streamlined way to accept credit card payments, HoneyBook offers an all-in-one online payment system that handles invoicing, payment processing, contracts, and client communication in one place. Instead of switching between separate apps for billing, messaging, proposals, and payment tracking, HoneyBook brings everything together so you can manage payments more efficiently and give clients a smoother experience.
HoneyBook’s payment tools are built specifically for service-based professionals who need clarity, automation, and flexibility. Because payments connect directly to your projects, you can send an invoice, collect a deposit, and track the full payment schedule without ever leaving the platform.
Key HoneyBook features that support credit card payments
Simple, polished invoices
Create branded invoices with itemized services, custom payment schedules, and a built-in “pay now” button. Clients can pay instantly using a credit card, debit card, or digital wallet, making the checkout process straightforward and professional.
Online payment links
For quick charges, deposits, or one-off services, HoneyBook lets you generate secure payment links. These links can be sent by email, text, or shared directly in a client portal.
Automatic reminders and payment notifications
HoneyBook automatically sends reminders before payments are due, reducing manual follow-up. You also receive notifications when a payment is made, viewed, or overdue.
Fast, transparent payouts
Payments automatically deposit into your connected bank account within a predictable timeframe. All fees are clearly displayed, and payouts can be tracked directly in your project workspace.
Integrated contracts and proposals
If you send proposals or contracts before billing, HoneyBook allows clients to review the service agreement and submit payment in the same seamless flow. This reduces friction and helps you get booked faster.
Recurring payments and payment schedules
For ongoing services, HoneyBook supports installment plans and recurring billing. You can set up dates, amounts, and automated reminders so clients know exactly when payments are due.
Client portal for centralized communication
Clients can access all invoices, files, contracts, and messages in one secure portal. This keeps communication organized and makes it easier for clients to review past payments or find receipts.
Security and compliance baked in
HoneyBook’s payment system uses PCI-compliant processing, secure encryption, and fraud protection tools. This gives both you and your clients a safe, trusted checkout experience without needing to manage security yourself.
Additional HoneyBook payment features for 2026
HoneyBook’s payment tools also include several advanced features designed to keep transactions secure and predictable:
- Supports every major payment type: Clients can pay by card, ACH bank transfer, Apple Pay, Google Pay, and other digital wallets — no extra setup or apps required.
- Automatic payment tracking: Every payment, reminder, and payout is recorded automatically, giving you clear visibility into cash flow.
- Fraud protection and dispute support: HoneyBook’s fraud monitoring team reviews transactions and assists with disputes rather than automatically refunding clients.
- Competitive, transparent fees: Card payments start at 2.9% + 25¢, while ACH transfers are just 1.5%, with no monthly costs or hidden charges.
- Cashflow confidence: Connect your bank account securely and move money whenever you need, with predictable deposit timelines.
- Autopay for recurring clients: Ideal for installment plans or ongoing services, helping reduce late payments and ensure predictable revenue.
These features help you deliver a more seamless, secure payment experience while giving you more control over how and when you get paid.
Try HoneyBook for simpler credit card payments
To explore HoneyBook’s full payment tools, you can visit the HoneyBook pricing page or start a free trial to see how invoicing and payment collection work inside the platform.
Final tips for accepting credit card payments smoothly
To keep your payment workflow running efficiently in 2026, consider building a simple internal checklist for each new client. Confirm that your payment settings are correct, invoices are clear, and reminders are active. Small steps like reviewing terms before sending an invoice and updating your payment tools as your business grows can help you stay organized and get paid even faster.
