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Invoice Payments via Bank-Only Transfers (SEPA & ACH)
Restrict an invoice to bank transfer only to cut card fees and match regional norms—supporting ACH in the US and SEPA in the EU.
Choosing Payment Methods That Fit the Situation
When sending invoices, offering too many payment options—or the wrong ones—can increase fees or create confusion for the customer.
Bank-only payment settings allow you to restrict an invoice to ACH or SEPA transfers, depending on your payment integration and region.
Without control over payment methods, you may pay higher processing fees or create a checkout experience that doesn’t match how your customers prefer to pay.
This guide will walk you through how to use bank-only transfers so you can control costs and simplify the payment process for specific invoices.
To begin, review why bank-only transfers are used and when they make sense for your invoices.
Why Use Bank-Only Transfers
Bank-only invoice payments are useful when you want to avoid card processing fees or your customers prefer paying by transfer. This can be a great fit for higher-ticket invoices and certain regions.
- Lower fees: Reduce card processing costs by using bank transfers only.
- Regional fit: Match markets where bank transfers are normal or preferred.
- Control: Choose bank-only when you want one clear payment path for a specific invoice.
Quick clarification: “Bank-only” means no card options on that invoice. If you want both cards and transfers, use All Valid Payment Methods instead.
Before You Enable Bank-Only
Bank transfers require your payment processor/integration to support the method you want: ACH for US bank transfers and/or SEPA for many EU transfers.
- Integration required: ACH/SEPA must be enabled inside your payment integration settings.
- Currency support: Some processors limit bank transfers to certain currencies.
- Bank details: Verify your bank details in the integration to prevent failed payments.
Follow along: Confirm your ACH/SEPA setup first, then turn on bank-only at the invoice level when needed.
Enable Bank-Only Transfers on an Invoice
Use this approach when only one invoice should be restricted to bank transfers (for example, a high-ticket invoice or an EU client).
- Go to Payments → Invoices.
- Create a new invoice or open an existing invoice.
- Scroll to Payment Options.
- Select Bank Transfer (bank-only mode for ACH/SEPA based on your integration).
- Save, then click Send Invoice to email it to your client.
Best practice: Add a short note to the invoice message like: “Please pay by bank transfer (ACH/SEPA). Use the reference shown on the invoice so we can match your payment.”
Global vs. Individual Invoice Settings
You can enable bank-only settings globally or per invoice. The right choice depends on how often you want to restrict payment methods.
- Global: Set bank-only as your default invoice payment option (removes card payments on invoices).
- Per invoice: Turn on bank-only only for specific invoices (recommended for selective use).
Pro tip: Use per-invoice bank-only for high-ticket invoices so smaller invoices can still accept cards.
Common Use Cases
- EU clients: Offer SEPA transfers where it’s common.
- High-ticket invoices: Avoid large card fees on bigger payments.
- Client preference: Some buyers prefer bank payments for security and accounting.
Tracking & Reporting
Bank-transfer payments are tracked in BizStackPro like other invoice payments, so you can monitor status, reconcile receivables, and keep reporting accurate.
- View payment status directly in your Invoices list.
- Use transaction history and exports for accounting workflows.
- Keep references consistent so payments match cleanly.
Want more control over how customers pay?
BizStackPro lets you manage invoicing, payment options, and tracking in one place—so you can choose bank-only when it makes sense and keep billing organized.
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Frequently Asked Questions
Can I enable bank transfer alongside card payments?
No. Bank-only mode makes bank transfer the exclusive payment option for that invoice. Use All Valid Payment Methods to offer multiple options.
Do I need a processor integration for ACH/SEPA?
Yes. Configure your payment processor for ACH (US) and/or SEPA (EU) before enabling bank-only invoices.
Is bank-only available on all plans?
It’s available for accounts with invoicing enabled. Check your plan to confirm access.
Will bank-transfer payments be tracked?
Yes. Payments appear in the Invoices area like other methods so you can track status and reporting.
Are there currency limitations?
Some processors limit bank transfers to certain currencies. Review supported currencies in your integration settings.
Cut Fees, Keep It Simple
Offer ACH/SEPA as the sole invoice payment method when you want predictable fees and a payment experience that matches your client’s preferences.
Lower fees. Regional fit. Clean tracking.
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