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Financial features overview

Bolster’s financial tools help you collect payments, manage cash flow, and keep your books clean. You’ll onboard once through verification, then use dashboards to track balances, payments, payouts, and invoices.

What you’ll find in Financial features

In the left sidebar under Financial features, you’ll see:

  • Business account
    Your Bolster wallet/bank account balance and account activity.

  • Payments
    All payments you’ve received (separate from payouts and transfers).

  • Card
    Your virtual debit card tied to your Bolster business account.

  • Invoices
    Create and manage invoices (itemized or percentage-based).

  • Profile
    Your merchant profile, verification status, owners, and linked bank accounts.

  • Settings
    Fees, settlement speed, payment terms, and what clients see.

Getting started: merchant verification (KYC/KYB)

Before you can receive payments, Bolster guides you through verification.

You’ll click Get started and complete a streamlined onboarding flow.

Step 1: Business type and company details

You’ll enter:

  • Business type
    Organization or sole proprietor

  • Legal business name

  • EIN number (if applicable)

  • Website

  • Company details
    Bolster will auto-fill details when it can.

Step 2: Key individuals and ownership

You’ll add key individuals and answer:

  • Are you an owner or controlling person?

  • Your title

  • Your percent ownership

  • Your address

Step 3: Identity verification (KYC)

For the business account, you’ll verify identity by:

  • Taking a photo of your license or passport
    Front and back

  • Taking a selfie

Then you review details and finish.

Step 4: Terms and conditions

You’ll agree to:

  • Payment terms and conditions

  • Bolster terms and conditions

  • Any required addendums

Once approved, your merchant becomes active and your Bolster business account is set up.

Financial overview dashboard

After onboarding, the financial overview gives you a top-level view of:

  • Previous payments and payouts

  • Transfers

  • Current balance

  • Latest payment

  • Payment volume over time (example: last 6 months)

Use this page when you want a quick snapshot.

Business account (your Bolster wallet)

The Business account shows your wallet balance and all account activity.

What you’ll see:

  • Current balance at the top

  • Account activity list:

    • Payments

    • Transfers

    • Status of each activity

Open any transaction to view details, including:

  • More transaction info

  • The invoice and quote the payment relates to

Auto-reconciliation with QuickBooks

Bolster supports auto-reconciling.

When a transaction syncs to QuickBooks, you’ll see that status on the transaction.

Actions you can take

From the Business account page, you can:

  • Top up account
    Add money from an external bank account you’ve linked.

  • Send funds
    Send funds to an external account (even if it’s not added already).

  • Transfer funds
    Move money from your Bolster wallet to your external bank account.

  • View monthly statements

Payments dashboard

Payments shows only received payments.

It does not include:

  • Payouts

  • Transfers

What you’ll see per payment:

  • Client

  • Payment fee and clearing fees

  • Status

  • The invoice it’s tied to

  • Transaction details

You’ll also see “money states”:

  • Processing / settling
    Incoming funds not yet available.

  • Available
    Money ready to use in your Bolster business account.

  • Sent to external bank
    Money already transferred out.

Settlement speed and transaction fees

Bolster gives you controls over how fees and settlement work.

Cover fees or pass fees on

You can choose to:

  • Pass the credit card fee onto the payer

  • Cover the fee yourself

Settlement timing

You can choose:

  • Regular settlement
    T + 2

  • Fast settlement
    T + 1

  • Faster settlement
    Same-day settlement

Pick the option that matches your cash-flow needs.

Ask yourself:

  • Do you need funds faster, or do you want to minimize fees?

Virtual debit card

In Card, you can enable a virtual debit card.

How it works:

  • Click the enable button

  • Bolster creates a virtual debit card under your merchant profile

  • You can view full card details

  • Card activity will appear underneath as transactions occur

Use this when you want to spend directly from your Bolster business account.

Invoices

Invoices are your billing tool in Bolster.

You can create invoices as:

  • Itemized invoices

  • Percentage-based invoices

Use itemized when you want line-by-line clarity.

Use percentage-based when you bill by progress.

Profile (merchant profile)

Profile is where you manage the identity and banking details behind payments.

You can:

  • View and add external bank accounts

  • Set a default external bank account

  • View and update business details

  • View owners

  • Edit owners

  • Add additional owners

Required actions

If your merchant isn’t fully verified, Profile will show required actions and what you need to submit.

Settings (how payments behave)

Settings controls:

  • Whether you cover fees or pass fees on

  • Settlement speed (regular, fast, faster)

  • Payment term settings, such as:

    • Rolling

    • Stage-based

    • Phased

    • Percentage-based

  • Payment transparency:

    • Show pricing per item

    • Or bundle pricing into a simpler view

  • Additional info about transaction fees