POLL - Online payment threshold/disable per invoice

Bigbug

Hi,

Since the 'client pays fees' option was removed recently, it would be great if admins could set a custom threshold for the online payments feature.

In my case, I don't want customers to pay a $1,000 bill with a card, as the Stripe fees would take a significant portion of it.

A feature that allows setting a threshold — for example, disabling online payments for invoices greater than a certain amount — would be highly appreciated.

🙏

wrongecho

Given that stripe does fixed fee + a percentage, what's the difference in a single $1000 payment and 5x $200 payments? You're paying the same payment fees in the end (technically slightly more for the 5 payments).

ZCman

The use of credit card payments via stripe has been excellent in settling some invoices especially for one-off billing. However, keeping this option available to customers all the time means a large invoice that should really be paid by cheque, eft or otherwise can be paid by credit card, leaving us to swallow huge fees from stripe. For the small stuff, I don't really care, but I took a haircut on a very large invoice recently that I did not expect the customer would use a credit card for… Can we get an option to set a custom invoice "balance" limit, where if exceeded -> disables the online payment option for that invoice?

johnny

This has been brought up several times in the past and I can see where it would be useful but keep in mind Credit Card Fees are a tax write off so thats less taxes you have to pay in the end,

ZCman

johnny That's a good point, I just don't like surprises. If we can have a control for this that would be ideal.

JosephWithCOR

Transparently pass the fees to the client and you don't have to worry about matching a 980 dollar payment to a 1K invoice.

wrongecho

Merged into existing suggestion.

Also see: https://forum.itflow.org/d/1678-allow-to-disable-stripe-payment-per-invoice

I'm more inclined to allow disabling it per invoice, but will open this as a poll to gather input. I'd really rather we didn't add both options for the sake of simplicity.

digibandit

wrongecho Concept:

Set a global threshold - Would be account wide, more like an alert or a prompt.

Above the threshold:

Online payment still works (because sometimes clients just want to pay and move on)
But throw up a big obvious notice: 'Hey, this invoice is $2,400. Thats ~$69 in fees. Want to do a bank transfer instead? [Here's our details]'
Maybe add a simple 'I know about the fees' checkbox

Below the threshold:

Business as usual, online payment front and center

Why:

No surprises (looking at you, ZZCman's haircut)
Clients still have options instead of us being payment method dictators
One setting to rule them all - no per-invoice checkbox hell
Educates clients without being pushy about it

Bonus points: Track what payment methods each client typically uses so we can get smarter about the recommendations over time.

wrongecho

digibandit I like this idea about a prompt instead, but unsure if it would really solve the issues highlighted here without also having the option to block/prevent as well. I don't know though, gateway fees are a tax write off so you're not really losing money.

digibandit

wrongecho I'm seeing that you're getting caught up on the fees portion of this request, definitely something to not ignore, but definitely not the entire picture.

Having amazing defaults out of the box is a phenomenal endeavor that I 100% vacuum on, having options to override every single default and setting inside of the software would be Paramount in my opinion.

With that being said, having the ability to restrict, or disable a specific payment method or category based on a threshold, customer setting, or global setting would have an assortment of practical uses. None of which I can come up with right now but I did just wake up…

Oh hey! I got one! I have an accountant that represents four separate clients that I also have, they have a accountant login customer portal for each of the clients that they represent. I would love to be able to disable the payment button option for that user. I want them to be able to go in and get receipts, get financial details and the like, but I really don't want them being able to manually or automatically pay anything. While yes, this is more of a permissions thing, the aforementioned would solve this. Totally an edge case, but there's been a handful of people that have referenced this 10-month-old post, so it might be beneficial.

*From my mouth to text, not really proof read.

magixnetworks

There are good arguements to both options. Although instead of just global I would personally prefer per customer limits with a global default if one is not set.

~$69 of gateway fees is spit in the ocean to a Fortune 500 company but it's alot to a lemonade stand. Alot of MSPs deal with both ends of the spectrum.