Get paid upfront, even when clients pay over time

Fee funding, or fee financing, allows your clients to pay for accounting services over time through installment payments, while your firm receives the full invoiced amount upfront.

With CPACharge, this is built directly into your payment workflow through Pay Later, so you can offer financing without adding a separate system.

Most client-facing services can be financed, including tax preparation, bookkeeping, advisory, and project-based work. If you invoice through CPACharge, you can offer Pay Later as a payment option for eligible transactions, giving clients flexibility regardless of the service type.

Payment plans address a practical constraint: Clients often need services before they’re ready to pay in full. Offering financing through Pay Later allows you to:

• Get paid upfront

• Reduce time spent on collections

• Offer more flexible payment options without changing pricing

It improves both cash flow and client experience without adding operational complexity. Please note that Affirm financing is only available to individual customers and is not available to entity customers who would use Affirm financing for business or commercial purposes.

If a client is approved for financing, CPACharge sends 100% of the invoiced amount to your firm. Funds are deposited via ACH, typically within 3–5 business days of the transaction.

CPACharge facilitates the process, but lending decisions and repayment are handled by the financing provider.

Subject to eligibility. Payment options through Affirm are provided by these lending partners: affirm.com/lenders.

Your firm is not responsible for collecting payments on the loan.

Once you receive the full invoiced amount, repayment is managed between the client and the lender. Missed payments may affect the client’s future eligibility, but not your revenue.

After a Pay Later transaction is approved, funds are deposited into your account within 3–5 business days. This follows the same predictable settlement process as other CPACharge payments.

Clients select Pay Later from your payment page and complete a short application. They receive a real-time decision and, if approved, can choose a payment plan that fits their needs.

Eligibility is based on the lender’s credit assessment, which evaluates the client’s financial profile at the time of application. Not all applicants will qualify, and terms may vary.

We recommend this article for further eligibility information.

Pay Later supports transactions from $150 to $25,000, depending on client eligibility. Each transaction is financed individually. This is not a revolving line of credit.

No. Clients applying for an Affirm loan through Pay Later must do so on their own personal device. It is against Affirm’s terms to use a shared device—a shared device refers to a piece of hardware such as a computer, tablet, or smartphone that is used by multiple individuals.

There is a transaction fee of 4.95% of the financed amount. This fee cannot be passed on to the client.

You can introduce Pay Later during intake, consultations, or through client communications such as email. CPACharge provides approved messaging to ensure compliance with financing requirements.

Refer to sample marketing tools and requirements here.

When mentioning Pay Later/Affirm to your clients, it’s important to include the following language: “Subject to eligibility. Payment options through Affirm are provided by these lending partners: affirm.com/lenders.”