We are currently charged a 3% processing fee every time a client pays an invoice by credit card, and card is the only payment option our clients see. Our invoices are typically $10,000 or more, so that is $300 or more lost on every payment. We do not use Stripe, so the Bank-Only Transfer feature is not available to us.

We would like the ability to turn the credit card option off and on for each invoice, with a setting to make “card off” the default for all new invoices. Clients would pay by ACH, wire, or check, and we would record the payment manually. When a client specifically asks to pay by card, we could simply enable it on that one invoice and resend.

This would help:

Businesses with high-value invoices where card fees add up quickly

Accounts using processors other than Stripe, which currently have no way to restrict payment methods

Anyone who wants to offer card payments only on request rather than by default

A setting at the sub-account level to choose the default payment methods, plus a per-invoice toggle to override it, would solve this completely.