Invoices and agreed work
Identify who receives the invoice, when payment is due, and the reference used to match the service. Distinguish a deposit or retainer from a completed invoice and confirm the payment workflow appropriate to your business and professional obligations.
Recurring billing and permissions
If you bill regularly, confirm customer authorization, scheduling, cancellations, failed payment handling, and refunds. Saved card tokens do not by themselves establish automatic billing in every software product. Limit access to the staff who need each payment action.
Accounting and commercial cards
Name the accounting or CRM application and version. Review invoices, payment records, fees, and deposits separately. If eligible commercial cards are significant, ask about Level 2 qualification without assuming every business client pays with an eligible card.
Compare the complete service cost
Bring statements and separate billing software charges. Compare card and ACH options only after confirming account availability, authorization, returns, and funding terms. Keep client files and confidential documents out of an initial processing inquiry.