Preferred payment method discount

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Preferred payment method discount

Encourage clients to pay the way you prefer (for example, by direct debit) by offering a percentage off when they use that method.

Why it helps

  • More clients on direct debit. A small discount is often all it takes for clients to save their bank details.

  • Lower fees. Direct debit usually costs you less to process than cards.

  • Fully automatic. The discount is worked out, applied and updated in your accounting system for you.

Turn it on

  1. Go to Settings → Business → Payment Settings → Billing.

  2. Set Preferred payment method discount to Yes, then confirm with Turn on discount.

  3. Choose the Preferred payment method: Direct Debit or Credit Card.

  4. Enter the Discount percent (maximum 10%).

  5. Click Save.

When the discount applies

The discount is taken off the unpaid balance at the moment the client pays with your preferred method:

How the bill is paid

Discount applied?

Client pays in the portal

✅ Automatically

Client pays when accepting a proposal

✅ Automatically

Automatic payment on the due date

✅ Automatically, when collected

Client starts a payment plan

✅ Applied to the plan

Your team charges the client

You're asked Apply payment method discount? Choose Apply discount or No discount.

The discount is not applied when:

  • the client pays with a different method

  • the bill is already part-paid in your accounting system

  • the bill is on an active payment plan (unless the discount is being applied as the plan starts)

  • the bill has already been sent to GreatSoft or FreeAgent

What clients see

  • Portal: "Paying by {method} takes {percent}% off the unpaid balance of eligible bills…" If they choose another method, they're prompted to switch to save.

  • Proposals: the preferred method shows a Save {percent}% tag.

  • Payment plans: the plan shows that the discount is included.

What happens to the bill

  • The bill's line amounts (including tax) are reduced by the discount percentage.

  • A $0 line is added to the bill, for example: "Invoice discounted by 5% for paying by direct debit".

  • The bill shows a Discounted {percent}% badge.

  • Xero and QuickBooks: the invoice is updated in your accounting system straight away. If that update fails, the discount isn't applied and the client pays the full amount.

  • No surcharge is added to a discounted payment.

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