Paying invoices — Servicio docs

Payment is designed to be as few taps as possible. For clients with a card on file: 2 taps (open invoice, tap pay). For new clients: 5 taps (open invoice, pay, enter card number, cvv, submit).

Card on file

If a client has previously stored a card, paying is a single Pay button. Card number is never re-entered. Charge processes through Stripe; client sees a "Payment received" confirmation and an email receipt.

Auto-pay

In their profile, clients can toggle auto-pay on. With auto-pay + card-on-file, invoices are auto-charged the moment they are issued. Client gets the receipt email; never sees an "unpaid" balance.

ACH

For commercial accounts or high-dollar recurring work, ACH is an option. The flow is slightly longer (Plaid bank verification, takes 1-2 minutes first time) but has a much lower transaction fee (~0.8% vs 2.9% on cards). Enabled on the Route plan and above.

Partial payments

On the invoice detail page, clients can enter a custom amount in the "Pay" field instead of accepting the full total. Partial payments flip the invoice to partial status; dunning continues on the remaining balance.

💡

Partial payments are more common on commercial accounts than residential. For a residential client making a partial payment, consider a quick check-in — it often signals financial stress, and a short conversation can prevent a write-off six months later.

⚠

Declined cards trigger Stripe's Smart Retries automatically (3 attempts over 7 days). If all retries fail, the invoice returns to unpaid and enters normal dunning. The client does not see "declined" messaging during the retry window — to them it just still shows as unpaid.