Compare the practical trade-offs
Cards can be familiar but may carry fees or limits. ACH and bank transfers can suit larger invoices but require correct account details and reconciliation. Checks and cash create a different record-keeping workflow. State fees, timing, and instructions plainly instead of promising a settlement date.
Put the option on the invoice
Write the account name, reference, accepted currency, instructions, and contact for questions. Never ask a customer to email full card numbers. Keep the invoice, remittance, and receipt together.
A simple comparison table
Use the table as a conversation starter, not a provider recommendation. Confirm current fees, timing, and security requirements with the actual service you use.
| Method | Useful when | Record to keep |
|---|---|---|
| Card | Customer wants a familiar checkout | Receipt and transaction reference |
| ACH or bank transfer | Invoice needs account-to-account payment | Remittance and bank reconciliation |
| Check | Contract or customer requires paper payment | Deposit record and invoice reference |
| Cash | In-person work and local policy allows it | Signed receipt and cash log |
Example wording
“Pay by bank transfer using the details on the attached remittance sheet. Include INV-1042 as the reference. Contact us before sending if the amount or account differs.” This is a neutral example, not a payment-service claim.