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Payment methods and card fees

How customers can pay you, the 3.5% card processing fee, who pays it and how to send receipts.

Your customers can pay your invoices and Pay-by Links online. This article explains the payment methods, what they cost and how to send receipts.

Payment methods

  • Bank account (ACH): a bank-to-bank transfer. ACH payments are free for you and your customer.
  • Credit or debit card: card payments carry a 3.5% processing fee.
  • Apple Pay: available to customers on supported Apple devices for one-time payments. Apple Pay is processed as a card payment, so the 3.5% fee applies.

Screenshot to add: the payment method choices a customer sees on an invoice

Who pays the card fee

You decide whether your business absorbs the 3.5% fee or adds it to your customer's total.

  1. Go to Settings, then the Payments tab.
  2. Under Processing Fee, choose My Business or My Customers.

Changing this setting only affects draft invoices. To change it for a single invoice, use Manage payment options in the invoice builder; see Create and send an invoice.

When your business pays the fee, it's deducted from the payment before it's settled to you.

Turn card payments off

If you'd rather accept only bank payments, go to Settings, then Payments, and switch off Accept credit card payments. This takes effect immediately for invoices and Pay-by Links, and also turns off Apple Pay. Customers can still pay by bank account, which is free.

Accepting cards carries a risk of chargebacks. If a customer disputes a card charge, the full amount is pulled from your account to cover it.

How customers receive invoices

When you send an invoice or a Pay-by Link, your customer gets a secure link by email, by text or both, depending on how you share it. From the link they can pay right away. Customers with a free Finli account can also schedule payment for the due date or turn on Autopay; see Autopay.

Send or download a receipt

After a payment is made, you can share a receipt with your customer.

  1. Go to Payments, or open the invoice and select View Payments.
  2. Open the actions menu on the payment.
  3. Select Send Receipt to email it to your customer, or Download Receipt to save a PDF.

Screenshot to add: the payment actions menu with Send Receipt and Download Receipt

Need help? Email support@finli.com.

Updated October 22, 2026