Control how your clients can pay invoices in HoneyBook by choosing which payment methods are available, whether automatic payments are required, and how payments are scheduled.
These settings help you align payments with your business needs while keeping the checkout experience clear and consistent for your clients.
ACH payment availability by region
ACH bank transfer availability depends on where your HoneyBook account is based:
Canada-based members can’t accept ACH bank transfers
U.S.-based members can accept ACH payments from U.S. bank accounts only
If ACH isn’t available in your account, you won’t see it as a selectable payment method when editing invoice or payment settings. This is a system limitation and can’t be enabled manually.
What this feature allows you to do
HoneyBook lets you customize payment options on invoices, either at the template level or within an individual smart file before sharing it with a client. Using these settings, you can:
Choose whether clients can pay by credit card, ACH bank transfer (U.S. accounts only), or both
Create custom payment schedules, including deposits, installments, and due dates
Send standard or recurring invoices
Allow or disable client-added gratuity
Require clients to opt in to automatic payments (autopay), or keep autopay optional
Let clients make partial or custom payments towards the invoice total
Restrict payments to only credit cards or only ACH bank transfers
Set a late fee percentage between 1–10%
All changes you make apply only to the invoice or file you’re editing and don’t affect previously sent invoices.
What you can’t do with HoneyBook payments
To avoid confusion, the following actions aren’t supported for payments in HoneyBook:
You can’t turn off payments through HoneyBook entirely
You can’t place a hold on a client’s credit card for damages, cancellations, or future charges
Alternatively, collect a deposit and set a reminder to refund it if needed
You can’t create an invoice with no payment method available
Every invoice must allow at least one supported payment method
If you’re based in Canada, clients can’t pay by ACH bank transfer
ACH is available only for U.S.-based bank accounts
📣 Note
These limitations apply regardless of invoice type, template, or payment schedule.
Where to edit payment options
You can adjust payment settings directly within the smart file before sharing it with your client. From the smart file, do one of the following:
Option 1: Edit from the invoice block
Go to the invoice page
Select the outline of the invoice block to open the settings sidebar
Select Set payment options
Option 2: Edit from the payment page
Go to the payment page
Select the outline of the payment block to open the payment settings
Payment settings you can customize
Depending on where you’re editing, you can adjust the following options:
Invoice type (invoice page only)
Choose between standard or recurring invoices
Set the payment cadence and schedule
Payment methods
Select which payment methods clients can use:
Credit card
ACH bank transfer (U.S. only)
ACH will only appear as an option for U.S.-based members with eligible U.S. bank accounts
Both
Client can add a tip
Enable or disable the option for clients to add gratuity during checkout.
Automatic payments (autopay)
Require clients to enroll in autopay before submitting payment, or
Keep autopay optional while still available
If required autopay is turned on, clients must opt in before completing payment.
What your client experiences
When your client receives the file and proceeds to checkout:
They’ll only see the payment methods you enabled
They’ll be prompted to opt into autopay if it’s required
They won’t be able to use unsupported payment types
This ensures your client’s payment experience matches the rules you set. Learn more in Client experience with invoices.
Still have questions? Feel free to send us a message by clicking the Question Mark icon on any HoneyBook page. Our team is always happy to help!