--- title: Payment Methods and Payment Processing description: When clients use their bank account when making payments, the payment will be subject to a bank clearing process. The processing of direct debit or bank account payments usually takes T + 2-3 Business --- [Skip to content](https://support.apxium.com/knowledge/payment-methods-and-payment-processing#main-content) English Show submenu for translations ![apxium-logo.png\]](https://support.apxium.com/hs-fs/hubfs/Logos/apxium-logo.png?width=144&height=50&name=apxium-logo.png) Open main navigation Close main navigation - English Show submenu for translations Hello. How can we help you? - There are no suggestions because the search field is empty. 1. [Apxium Help Center](https://support.apxium.com/knowledge?hsLang=en) 2. [Apxium Collect](https://support.apxium.com/knowledge/apxium-collect?hsLang=en) 3. [Payments, Settlements & Reconciliations](https://support.apxium.com/knowledge/apxium-collect?hsLang=en#payments-settlements-reconciliations) # Payment Methods and Payment Processing #### [Bank Account Payments](https://support.apxium.com/knowledge/payment-methods-and-payment-processing#bank-account-payments) When clients use their bank account when making payments, the payment will be subject to a bank clearing process. The processing of direct debit or bank account payments usually takes T + 2-3 Business Days. If payment is made after 4 PM AEST, it will be considered as a following-day transaction + 2-3 business days. On the right-hand side of your dashboard, the "P" mark means the client arranged a direct debit payment and is still on Pending Payment Status. This means the bank hasn't notified Apxium yet that the payment has been cleared. Even though the money has left their account, it is still in process. During this process, no overdue reminders will be sent while waiting for payment clearance. Once cleared, a payment confirmation email will be sent to the client.   ![](https://support.apxium.com/hubfs/Pending%20Payments%20list-png-1.png)   If a client sends a payment directly to the firm's account, we highly suggest checking the status of the invoice in Apxium first, i.e. if there are any pending payments waiting to be cleared before doing any manual allocations in practice management software. This is to avoid any invoice synchronisation issue between Apxium and your accounting package and to ensure both systems are balanced.   If in any case that there is a pending payment in Apxium, you can either refund the money they directly sent to the firm's account or leave it as a credit note and apply it to any future invoices.    Once the payment is cleared, the client will receive a payment confirmation and Apxium will receipt the payment into your accounting package. #### [Credit Card Payments](https://support.apxium.com/knowledge/payment-methods-and-payment-processing#credit-card-payments) Clients can use Visa and MasterCard to pay their outstanding invoices using the Apxium portal. AMEX can also be used if AMEX is configured on your MID facility. If you wish to add AMEX as a payment option, please contact Apxium Support. Credit Card Payments are instant and should be settled overnight. If payment is made after 4 pm, it will be considered a following-day transaction and will be included in the following-day settlements.   Note: Canada settlement times will be at 11 pm EST. 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