Allow your customers to pay their invoice by ACH only, credit card only, or both.
If you have both ACH - direct to bank - payments, and credit card payments enabled on your account, you can customize your invoices to accept only ACH payments, only credit card payments, or both.
This functionality can be set up on a per invoice level, or you can set this up for all your invoices.
Note: We recommend accepting ACH as a payment method for larger transactions since the fees for ACH can be about 60% less than credit card payments.
Here are your options for customizing the payment methods for your invoices:
- Turn off a payment method during the first step of creating an invoice.
- This is helpful if you are sending an invoice for a larger than normal amount and would like to save money on processing fees by only accepting ACH for a single invoice.
- Choose to allow only ACH or credit card payments for all of your invoices.
- This is recommended if you typically key-in payments yourself for smaller transactions, but you send invoices for larger orders and would like to allow ACH payments only for your invoices so you can save on processing fees.
- Allow both ACH and credit card payments on all invoices, but set a default payment method so your customer sees the fields for your preferred payment method first.
- If you prefer to accept ACH for your invoices, but would like to give your customer the option to pay with a credit card if they cannot pay via ACH, you can set the invoice to show the fields for an ACH payment first so your customer is more likely to pay via ACH.
1. Turn off a payment method during the first step of creating an invoice.
When creating an invoice (under Create Invoice), you can turn off credit card payments or ACH payments for that invoice only. We recommend doing this if you only want to accept ACH from a customer due to the invoice being for a large amount.
In the first step of creating an invoice, there are checkboxes you can use to turn a payment method off or on.
In this example, only credit card payments will be allowed for the invoice because the checkbox for ACH is unchecked.
In this example, only ACH payments will be allowed for the invoice because the checkbox for credit card payments is unchecked.
2. Choose to allow only ACH or credit card payments for all of your invoices.
We recommend doing this if you only want to accept ACH payments for your invoices.
To enable only one payment method for all of your invoices, head over to your Invoice Settings and find the section for "Allowed Payment Methods". Click the checkbox for the payment method you want to accept, and uncheck the payment method you do not want to accept for your invoices.
In the example below, only ACH payments are enabled for ALL invoices.
3. Allow both ACH and credit card payments on all invoices, but set a default payment method so your customer sees the fields for your preferred payment method first.
Finally, you can allow both payment methods on your invoices, but you can choose to list your preferred payment method first, so your customer sees the fields for your preferred payment method as soon as they go to pay. This way, it is more likely that you customer will pay with your preferred payment method.
To set your preferred payment method for invoices, head over to Invoice Settings and find the section for "Allowed Payment Methods". Once there, you can drag the payment methods to set which is listed first. Whichever payment method is listed first in your "Allowed Payment Method" settings, will be the payment method that you customer sees first while paying.
In the example above, both payment methods are checked so they are both enabled for all invoices. We dragged the "Bank" payment method to the top of the list, so when a customer goes to pay an invoice, they will see the fields for ACH bank payments first. See invoice example below.
If you have any additional questions, please reach out to our support team by emailing email@example.com. You can also chat with the support team using the Support Center in Stax Pay.