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Invoices and estimates

How to accept bank transfer only (SEPA or ACH debit) on an invoice

When creating or editing an invoice in Payments › Invoices & Estimates, scroll to Payment Options and pick Bank Transfer as the only way to pay; save and send. The customer no longer sees the card option and pays by bank debit through Stripe.

Updated on

Before you start

  • Stripe must be connected under Payments › Integrations.
  • Bank debit (ACH in the US, SEPA in Europe) must be enabled in the invoice payment methods: Integrations › Stripe › Manage › Manage Payment Methods.
  • You need permission to manage Payments.
Where to find it

Payments › Invoices & Estimates › (invoice) › Payment Options › Bank Transfer

Step by step

  1. In the left menu, open Payments and click Invoices & Estimates.
  2. Click New › New Invoice, or open an existing invoice and click Edit.
  3. Add the customer and products as usual.
  4. Scroll down to the Payment Options section.
  5. Choose Bank Transfer as the exclusive method. To accept cards and all other methods again, choose All Valid Payment Methods.
  6. Click Save.
  7. Click Send and choose email and/or text. The customer opens the invoice and only sees the bank debit option.

Tips

  • Useful for large invoices, industries where bank transfer is the norm, or when you want to cut card fees.
  • You can combine it with a payment schedule: each installment is paid by bank debit.
  • The choice is per invoice: your other invoices keep their normal methods.

Common problems

  • The Bank Transfer option doesn't show → Make sure Stripe is connected and bank debit (ACH/SEPA) is enabled under Manage Payment Methods for invoices.
  • I want to accept both card and bank transfer on the same invoice → Choose All Valid Payment Methods; the bank transfer option is exclusive and removes the others.
  • The customer says the payment still isn't showing → Bank debits take longer than cards to settle. Track the status in Payments › Invoices & Estimates and Transactions.
  • The customer can't find account details to wire the money → With this option the customer doesn't wire manually: they authorize the debit on the invoice page itself by entering their bank details.

Frequently asked questions

Where do I see invoices paid by bank transfer?

In Payments › Invoices & Estimates, with the same status and record as any other payment.

Does it work on recurring invoices?

The option appears when creating or editing the invoice. For recurring invoices, make sure the method is also enabled under Invoices with AutoPayments in the payment methods.

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