Send an invoice and get paid faster

The fastest way to get paid is to make paying take one tap. A digital invoice with a pay-by-link does exactly that: the customer gets an email or text, opens it, and pays by card or bank in seconds, from wherever they are. No check to write, no envelope, no trip to the office. On eligible accounts, next-day funding means the money can be in your bank the following business day.

What is digital invoicing?

Digital invoicing is sending a bill electronically with a built-in way to pay it right there. Instead of a PDF the customer has to print and mail a check for, the invoice carries a pay-now button. They tap it, choose card or bank, and the payment posts to your account. You see when they opened it and when they paid, so you are not guessing whether it got lost.

How do I get paid faster on invoices?

You get paid faster by removing every step between the customer deciding to pay and the payment going through. That means a clickable link instead of a mailing address, a saved card for repeat clients, automatic reminders, and clear terms. Here is a checklist that consistently shortens the wait.

1. 01Send a pay-by-link, not just a PDF. A one-tap button beats a mailing address every time.
2. 02Invoice the moment the work is done. The day you finish is the day the customer is most willing to pay.
3. 03Save the card on file for repeat clients, with permission, so the next invoice is paid in one tap or charged automatically.
4. 04Turn on automatic reminders at a few days, at the due date, and just past it, so you are not chasing anyone by hand.
5. 05State clear terms and a due date. Net-15 with a real date gets paid faster than a vague net-30.
6. 06Offer both card and bank payment, so a big invoice can go ACH and a small one can go card, whichever the customer prefers.
7. 07Turn on next-day funding if your account is eligible, so the money lands the following business day instead of sitting for days.

Every extra step between the invoice and the payment is a place where it stalls. Cut the steps to one tap and the average time to get paid drops on its own.

Do saved cards and recurring billing help?

Yes. Saved cards and recurring billing get rid of the two slowest parts of getting paid: waiting for the customer to act, and asking again next month. With a card on file, a repeat client is billed the moment you send the invoice, or on a set schedule, with their authorization. A retainer, a membership, a monthly service: none of them should require chasing a payment. Set it once and it runs.

• Saved cards: repeat customers pay in one tap, or you charge the card on file when the work is done, with permission on record.
• Recurring billing: memberships, retainers, and subscriptions charge automatically on a schedule, so there is nothing to send and nothing to chase.
• Pay-by-link for one-offs: a new customer or a single job still gets the same one-tap payment without setting up anything ongoing.

On cost, invoicing does not change the rules. A card paid through an invoice carries the same interchange and the same flat dime markup as any other card sale, and the dime never goes up. A large invoice paid by ACH avoids the card percentage entirely, which is why offering both matters. The one charge beyond interchange and the dime is the yearly PCI compliance fee, shown to you in writing before you sign. Getting paid faster is about removing friction, not about paying more.

The reality: no tool makes a customer pay who does not want to. What good invoicing does is make sure the customer who is ready to pay can do it instantly, and that the one who forgot gets a nudge without you lifting a finger. Pair a pay-by-link with saved cards and next-day funding, and the gap between finishing the work and seeing the cash gets a lot shorter.