Online payments and payment links

Customers can pay by card - from a link you send them, from the customer portal, or automatically from a saved card. Every successful charge ends as an ordinary receipt on the invoice, so reports and statements need nothing new.

Switch it on

1. Go to Settings > Company settings > Online payments.
2. Pick a gateway:
   • Demo gateway - for trying the whole flow. Any card number is approved (one ending 0002 is declined, so you can see failure too) and no real charge is ever made.
   • Stripe - real cards. Paste your secret key from the Stripe dashboard; it is stored encrypted.
   • Bank transfer only - no card form; the payment page shows your bank details instead.
3. Write your bank transfer instructions either way - they appear on the payment page as the alternative.

Payment links

1. Open an open invoice and choose Payment link.
2. Pick how to send it - email, SMS, WhatsApp, or "I will share it myself".
3. The customer opens the link, sees the amount and the invoice, types their card, and is done. The invoice is receipted, a receipt is emailed, and your team sees Paid online on the bell.

Links live under Finance > Payment links: resend them, copy them, cancel them. They expire after 14 days on their own.

Saved cards and automatic collection

When a customer ticks save this card while paying, the card (brand and last four digits only - never the number) is kept on their customer screen.

On a policy, Automatic payment then charges each instalment to that card on its due date. A failed charge is retried every three days, three times; after the last failure the customer is emailed and your billing team is told. Cards are managed on the customer's Saved cards tab.

Matching the bank statement

For money that arrives by transfer: Finance > Receipts and refunds > Import bank statement. Upload the CSV or Excel your bank gives you (columns reference, amount, and ideally date). Every row whose reference contains an open invoice number or a payment link number is receipted automatically; the rest come back as a list to handle by hand.