Choose How Customers Pay You

Pick the payment methods you accept, and see exactly what customers get in emails, texts, the pay page and the portal when you take checks only.

Updated October 4, 2026

Accepted Payment Methods under SettingsBilling decides how customers are asked to pay you: in invoice emails and texts, on the pay page, and in the customer portal. Turn Online Card / ACH off and your company takes checks only. Customers never see a Pay button, a card form or autopay, and no card can be taken anywhere in OpsVara.

Choose Your Methods

Open Accepted Payment Methods
Go to SettingsBilling and scroll to Accepted Payment Methods. Only company admins can open this tab.

Tick what you take

Each box saves as soon as you click it. If you have never changed them, all three are on.

Box	What it does
Online Card / ACH	Pay This Invoice in invoice emails, a pay link in invoice texts, card and bank checkout on the pay page and in the portal, saved cards, and autopay. Needs Stripe connected under Customer Invoice Payments on the same tab.
Check	Pay by Check instructions (the payee, your mailing address, and a note to write the invoice number on the memo line) on unpaid invoice PDFs, the pay page and the portal, and in invoice emails when customers cannot pay online.
Cash	Records that you take cash in person. Customers see no change.

Check your mailing address
The Pay by Check block uses the Mailing address under SettingsCompany, and prints Check Payment Instructions from the same page under it. With no mailing address, no Pay by Check block is shown anywhere.

Online payment is offered only when Online Card / ACH is on and Stripe can take charges. If the box is on but Stripe is not connected yet, customers get the check-only experience below, and the card says: "Stripe is not connected yet, so customers cannot pay online."

What Customers See When You Take Checks Only

Where	What the customer gets
Invoice email	View Invoice in place of Pay This Invoice, then a Pay by check block: "Make checks payable to" your company name, Mail to: with your mailing address, your Check Payment Instructions if you wrote any, and "Please write invoice INV-1042 on the memo line." No card fee wording. This is the same for the first send, automatic past-due reminders, invoice campaigns, and Resend Invoice.
Invoice text	The standard text reads "Acme Pools: Invoice INV-1042 for $450.00 is ready. View it here:" and the link. A reminder reads "Acme Pools: Reminder: invoice INV-1042 for $450.00 is due. View it here:" and the link.
Pay page (the link in the email and text)	The invoice and the Pay by Check block, with no pay buttons. It says "Acme Pools accepts payment by check. Online payments aren't offered." The contact email is your Billing / invoice email, or the account owner email when that is blank.
Portal invoice	A Pay by check box with the same message and a See Mailing Address link (Pay By Check Instructions on the phone) that shows your mailing address. No pay buttons.
Portal Billing, on the web and the phone	No Add Card and no Autopay switch. A How To Pay card shows the same message and your Pay by Check details.
Invoice PDF	The "If paying by check" block, as before. No pay link and no fee note.

Paid notices ("Your invoice is paid") are the same either way.

Custom invoice wording is sent as written

The standard invoice email and text change on their own. If custom wording was set up for your company's invoice email or text, OpsVara sends it as written. Ask OpsVara support to take out any pay-online wording or pay link.

What Changes for the Office

No card can be taken. On Sales and BillingInvoices, an invoice has no Enter Card action and the send button never reads Send & Auto-Charge. Sales and BillingVirtual Terminal, when your plan has it, refuses with "Card payments are turned off for your company. Turn on Online Card / ACH in Settings → Billing to take a card."
Autopay stops charging. Sending an invoice to a customer who had autopay sends it as an ordinary bill, without touching their card. The invoice shows Autopay paused, and the customer's Billing tab shows Autopay Paused. The customer's autopay setting is left as it was, so it starts working again if you turn Online Card / ACH back on. Reminder campaigns treat these customers like everyone else, so they still get reminders.
No autopay sign-ups. OpsVara will not create an autopay setup link, and an Autopay Setup campaign sends no links.
Campaign wording. The invoice campaign builder suggests "you can view it at" in place of "pay online at", and its templates leave out pay-online copy. Soliven Collect asks for a check and suggests no autopay.

Verify It Worked

Under SettingsCustomer Notifications, click Test on Invoice delivery & past-due reminders and send the sample to your own email and phone. The email's button reads View Invoice and the Pay by check block shows your address. The text says "View it here:" with no "Pay:".
Open the pay link on a real sent invoice. It shows the invoice and the Pay by Check block, with no pay buttons.
Sign in to the portal as a customer and open Billing. There is no Add Card button.

Troubleshooting

Problem	Cause	Fix
No Pay by check block in the email or on the pay page	Check is off, there is no mailing address, or the invoice owes nothing	Turn on Check, and add a Mailing address under SettingsCompany
Invoice texts still say "Pay:"	You saved a custom invoice delivery text	Edit it under SettingsCustomer Notifications
The pay page lists the wrong contact email	Billing / invoice email is blank, so the owner email is used	Fill in Billing / invoice email under SettingsCompany
Customers see View Invoice even though you take cards	Stripe is not connected or cannot take charges yet	Finish Stripe under Customer Invoice Payments on SettingsBilling

Frequently asked questions

I turned off Online Card / ACH. Can a customer still pay by card somehow?

No. The pay page and the portal have no pay buttons, the portal hides Add Card and autopay, and OpsVara refuses to save or charge a card even if a request gets through. Sending an invoice to a customer who had autopay does not charge their card. Virtual Terminal refuses with "Card payments are turned off for your company. Turn on Online Card / ACH in Settings → Billing to take a card."

Why do my invoice emails still have a button?

It reads View Invoice now. It opens the same invoice page as before, which shows the invoice and your Pay by Check instructions and has no way to pay online. The Pay by Check block is in the email too.

Where does the Pay by Check address come from?

The Mailing address under Settings → Company, with anything you type in Check Payment Instructions printed under it. With no mailing address, no Pay by Check block is shown in emails, on the pay page or in the portal.

My invoice texts still say Pay.

Only the standard invoice text changes. A custom invoice delivery text you saved under Settings → Customer Notifications is sent as you wrote it. Edit it there to drop the pay wording or the pay link.

Stripe is connected but I turned Online Card / ACH off. Which wins?

Online Card / ACH. Customers get the check-only experience whether or not Stripe is connected. Turn it back on and Pay buttons come back, as long as Stripe can take charges.

Online Card / ACH is on, but customers see View Invoice. Why?

Stripe is not connected, or cannot take charges yet. Until it can, customers get the same View Invoice and Pay by Check experience. Settings → Billing says so under Accepted Payment Methods.

A customer already had autopay on. What happens to it?

It stops charging. Their portal Billing page says Autopay is paused ("Your card won't be charged automatically.") with a Turn Off button, and a card they saved shows with Remove only. On the invoice, the office sees Autopay paused.

Does the setup quiz change these boxes?

Only the first time. The answer to How do you take payment today? (or We're Cash / Check Only on the Connect Stripe step) fills them in when nothing is saved yet. After that, only Settings → Billing changes them.