B2B clients often prefer ACH for large totals, while cards work better for smaller, urgent payments.
Compare settlement times, fees, and client preferences so every invoice offers the right options.
1. When ACH Makes Sense for Larger Invoices
Card fees eat margin on large invoices; ACH often costs less but settles slower. Know your numbers before you choose defaults.
Passing fees to clients is a policy choice — whatever you decide, state it clearly on the invoice.
The best payment method is the one your client will actually use on time.
2. When Cards Speed Up Smaller Payments
Place pay links near the total and repeat them in the email that delivers the invoice. Friction drops when clients do not have to hunt.
Mobile-friendly checkout matters — many approvals happen from a phone inbox.
One obvious pay button beats three paragraphs of wire instructions.
3. How to Present Both Without Confusing Clients
Match processor payouts to invoice numbers in your books weekly. Small discrepancies are easier to fix immediately.
Mark invoices paid only when funds clear — not when the client clicks submit.
