Invoicing by Fusion Payments
Invoicing software that gets the invoice paid. Email it, text it, and let it follow up.
Invoicing by Fusion Payments is invoicing software for businesses that bill by the job: it sends the invoice by email and text, gives your customer a payment page that takes a card or a bank account on their phone, and does the following up — automatic reminders, recurring billing with payment plans, and autopay on a saved card or bank account. Charge a card on the spot, see who owes you and how late, and hand your bookkeeper a QuickBooks Online import file.
- Email + text
- Card or bank (ACH)
- Automatic reminders
- Recurring + payment plans
- Autopay
- Virtual terminal
- Statements + aging
- QuickBooks Online file
Live product · set up by our team, not a signup form · some accounts board the same day
Invoicing by Fusion Payments — Text-to-pay invoicing
How do I text a customer an invoice?
Create the invoice and choose text: your customer gets a message from your business name with the amount and a secure payment link, and pays right there on the phone it arrived on.
The text goes out over a carrier-registered business messaging line, to customers who gave you their number to be billed. Email rides along with the PDF attached, so the paper trail exists whether they pay from the text or the inbox.
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One send, every channel
Text with the payment link, email with the PDF attached — or either one alone. You pick per customer, not per invoice.
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Nothing to install on their side
The link opens a payment page in the phone’s browser. No app, no account, no password your customer will never remember.
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STOP means stop
A customer who replies STOP is never texted again — the software enforces it, not a policy document. Their invoices keep arriving by email.
Coastal Roofing · registered business line
Sent by the merchant · consent on file · a STOP is honored automatically
Coastal Roofing
Invoice 2041
- Amount due
- $8,450.00
- Payment method
- Card · Bank (ACH)
- Total today
- $8,450.00
When an account surcharges, the surcharge and the exact total print here before the card is asked for; on dual pricing, the card, bank and cash prices print side by side. Never discovered on the receipt.
The payment page
Can my customer pay an invoice by card or bank account?
Yes — every invoice carries its own hosted payment page where the customer pays by card, or on accounts set up for it straight from a bank account, in about a minute on their phone or a desktop.
The page shows the invoice and the amount due. If your account is set up to surcharge, the surcharge and the exact total are printed before the card number is ever asked for; debit cards are recognized and exempted automatically, and a bank payment is never surcharged. On a dual pricing account the payment page shows the card price, the bank price and the cash price side by side, and the customer picks one. Before the charge goes through the customer confirms a six-digit code sent to their email or phone. When the payment lands, the invoice flips to Paid on your dashboard the same moment, and a receipt is emailed automatically.
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Fees shown before payment, always
If your account is set up to surcharge, the customer sees the surcharge and the exact total before they commit; debit cards and bank payments never carry one. If it runs dual pricing, the card price, bank price and cash price are printed and the customer chooses. Either way the price is known before the card is — a card-brand requirement and a customer-service one.
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Or straight from a bank account
Accounts with ACH switched on show a bank option beside the card on the same page — routing and account numbers, same invoice, same link. A saved bank account works for autopay on a recurring schedule too. Ask us to turn it on.
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The card never touches the invoicing software
Card entry happens on the payment gateway. Invoicing by Fusion Payments keeps the record of the payment, never the card number.
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Paid means paid, instantly
A real payment marks the real invoice Paid — status, activity log, the reminder engine and the "Invoice paid" email to your team all find out at once.
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Viewed, then Paid
The invoice shows "Viewed" with the time the customer first opened its page, and an email on first open is a switch in Settings. No more wondering whether it arrived.
Invoicing by Fusion Payments — Automatic reminders
How do automatic invoice reminders work?
Turn them on once in Settings and the software reminds the customer before the due date, on the due date, and on a schedule while the invoice is overdue — then goes quiet the moment it’s paid.
You choose the cadence and the channel, per your business — email, text, or both. There’s a Send reminder button on every invoice too, for the one that needs a nudge today. Every reminder is logged on the invoice, so you can see exactly what the customer was sent and when.
- D−3
Before it’s due
A heads-up while paying early is still easy.
- DUE
On the due date
The polite version of an overdue notice.
- +7d
While it’s overdue
Every few days, on your cadence — capped, so it never nags forever.
- PAID
Silence
Payment lands, reminders stop. Nobody gets dunned for an invoice they already paid.
* Cadence shown is one configuration, not the only one. Reminders default off until you turn them on.
Recurring & autopay
Can I set up recurring invoices with autopay and payment plans?
Yes — a schedule creates and sends the invoice each cycle on its own, weekly, every other week, monthly or every three months, and can end on a date or after a set number of payments. Autopay can charge a card or bank account your customer saved, with their recorded permission, on the due date.
Schedules read in plain words — "Monthly on the 15th", "Every other Friday", "Every 3 months on the 1st" — and the month-end dates behave: an anchor on the 31st bills on the last day of shorter months instead of skipping them. A four-payment plan is "After a number of payments: 4"; the screen shows the date of the last invoice before you save, and the schedule finishes on its own. The invoice is created a day ahead and sent through the normal channels, so the customer sees the bill whether or not autopay settles it.
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Pause without losing the card
Pause a schedule, change the billing day, resume next season — the saved payment method stays put. Nobody re-reads a card number over the phone.
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Payment plans that end on their own
A schedule can run until you stop it, end on a date, or end after a set number of payments. The Recurring list shows the progress in words: "4 payments — 1 sent, 3 to go".
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The card lives at the processor, not here
What the software stores is a token and the last four digits. The card number itself is vaulted by the payment processor — which is exactly where it should be.
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Autopay never surprises anyone
The customer authorized the card or bank account, gets the invoice the day before marked "No action needed — this invoice will be paid automatically", and can "Pay it yourself instead" to use another method. A failed charge is emailed to your team, always, and never retried on its own.
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"Invoice only" is a normal choice
A schedule can simply send the invoice and let the customer pay each one from its link — the right setting for customers who pay by check or on terms.
Brightside Lawn Care
Every other Friday
$260.00 per cycle
- autopay:
- on · Visa ····4242 · saved with recorded authorization
- each cycle:
- invoice created and sent a day ahead, charged on the due date
Invoicing by Fusion Payments — Charge on the spot
Can I take a card payment over the phone without sending an invoice first?
Yes. "Take payment" opens from any page: pick the customer, type the amount and what it is for, then charge a card on file, key the card they read you, or hand them your phone and let them key it. The charge is filed as a paid invoice, and "Email receipt" or "Text receipt" sends the customer a receipt.
The card form inside the drawer is your own secure payment page, prefilled with the customer, so the invoicing software never holds a card number. A declined card says so in the issuer’s own words, and nothing is ever retried on its own.
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Cards on file, one tap
A customer with stored cards shows them as chips, with the default and any expired card marked. "Charge $X to Visa ····4242" is one click.
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Customer keys it
A plain screen with the amount and the card form. Hand the phone over; when it reads "All set — hand it back." the payment has landed.
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Every charge is a real invoice
The sale lands on the Invoices list as Paid with the processor reference, so it shows on Reports, in the Payments CSV and in the customer’s history like any other.
Know your numbers
Who owes me money, and how late are they?
The "Who owes you" report ages every open balance as of today — "Not yet due", "1–30 days", "31–60 days", "61–90 days", "Over 90 days" — and a "Statement" PDF for any customer lists every open invoice with its age and a pay link on each line. Every table downloads as a spreadsheet.
The Payments CSV is one row per payment with the method, who recorded it and the processor’s own reference: the file for reconciling deposits. On supported processors, Reports also lists the gateway’s settlement batches as they close, card and bank never summed, with a match flag per batch. "By month" shows what you invoiced and received with the tax billed and collected; "Top customers" ranks who paid you. The Profit page shows what you made on paid invoices once each line has a cost — and only you see it; a cost never appears on an invoice, a PDF or a receipt.
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Into QuickBooks Online, as a file
"QuickBooks import (CSV)" on the Invoices list downloads your sent and paid invoices in the shape QuickBooks Online’s Import invoices screen expects, with its own column names. A file you upload, not a live sync.
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Aging counted from the due date
A Net-30 invoice issued last week is "Not yet due", not late. Invoices go overdue at midnight in your own time zone.
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Nothing exports a cost
Invoices, line items, payments and every report download as CSV. None of them carries an item’s cost or the profit on an invoice, because exported files get forwarded.
Invoicing by Fusion Payments — Team and connections
Can my team and my other software work in it?
Yes. Teammates are invited by email and sign in with Google or a password; owners control roles and access, staff have full use of the app. For software, API keys are read-only or read and write, and signed webhooks tell your own tools — or Zapier — the moment an invoice is sent, viewed, paid, partially paid, overdue or canceled, a customer changes, or a charge fails.
Alerts to the team arrive by email: the moment an invoice is paid, a daily digest each morning, the first time a customer opens an invoice, and a failed-autopay alert that is always on. Zapier, QuickBooks, Zoho and Salesforce are the named connections, and the verb matters: Zapier connects directly, QuickBooks Online takes an import file, and Zoho and Salesforce connect through Zapier, the API and signed webhooks — there is no direct connector. The same API and webhooks reach anything else.
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Ten webhook events, signed
Every message carries an X-Fusion-Signature header. Deliveries retry on a ladder — a minute, five, thirty, two hours, twelve — then wait for you; nothing is lost.
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Zapier, triggers and actions
The ten events as triggers. Create or update a customer, create an invoice, send it by email, record a payment you already received, cancel, find — as actions.
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What the API can never do
Charge a card on demand, take a card number, or remove a stored payment method. Those stay in the app, on purpose.
Security
Where does the card number live?
On your own payment page and in the processor’s vault — never in the invoicing software. There is no card-number box anywhere in this app; it sees the last four digits and a reference. A customer paying from the link confirms a six-digit code before the payment goes through.
Storing a card or bank account requires recording that the customer authorized it, and when. Nothing is ever deleted: canceled invoices, archived customers and removed teammates stay on the record with their history.
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Two ways to store a payment method
"You enter it" on a seven-day secure link while the customer authorizes you, or the customer gets a single-use link by email or text and enters it themselves. Both land on your payment page, not here.
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Nothing is retried on its own
A declined or unconfirmed charge is shown, emailed, and left for a person to retry — never re-run by the software.
Invoicing by Fusion Payments — What’s in the box
What does Invoicing by Fusion Payments include?
Everything on this page is live today: sending, collecting and following up, with a record of all of it. Electronic invoice presentment and payment, in plain terms: the bill and the way to pay it arrive together.
Email + text delivery
Invoices go out by email, by text over a registered business line, or both.
PDF invoices with your logo
A clean printable PDF rides along with every email — your logo on it, not ours.
Hosted card payment page
Every invoice links to its own secure payment page, with a six-digit verification before pay. No app or account for the customer.
Bank payment (ACH)
Customers can pay an invoice straight from a bank account on the same hosted page, and on autopay. Switched on per account.
Surcharge or dual pricing, shown before payment
When an account surcharges, the surcharge and the exact total are printed before the customer pays; debit and bank never carry one. On dual pricing the card, bank and cash prices are printed and the customer picks.
Automatic reminders
Before due, on due, and while overdue — stopping the instant the invoice is paid.
Recurring schedules + payment plans
Weekly, every other week, monthly or every three months. Ends never, on a date, or after a set number of payments. The invoice creates and sends itself each cycle.
Card or bank account on file + autopay
Saved with the customer’s recorded permission, vaulted at the processor, charged on the due date. The customer can always pay it themselves instead.
Everything on the record
Every send, reminder, payment, and edit lands in the activity log with a timestamp.
Pay links + QR codes
Copy the pay link or show a QR code from any invoice, for the customer standing in front of you. Preview shows exactly what they will see.
Viewed status + alerts
The invoice shows "Viewed" with the time the customer first opened it. Optional email on first open; "Invoice paid" email on by default.
Take payment (virtual terminal)
Charge a card on file, key a card, or hand the customer your phone. Lands as a paid invoice with a receipt by email or text.
Statements with aging
A PDF per customer: every open invoice, how late, a pay link on each line, and the last ten payments.
Who owes you + reports
A/R aging as of today, By month with tax billed and collected, Top customers. Every table exports as CSV.
Payments CSV
One row per payment with the method and the processor reference — the file for reconciling deposits.
Settlement batches, read live
On supported processors, Reports shows the gateway’s settlement batches as they close — card and bank never summed together — with a match flag per batch against the payments recorded here.
QuickBooks Online import file
Sent and paid invoices in QuickBooks Online’s own Import invoices shape. Line items CSV and All-as-one PDF too.
Profit per job
A cost per line, profit and margin by item and by month on paid invoices. Only you see it; nothing exports it.
Owner + staff roles
Invite by email, sign in with Google or a password. Owners control access and roles; staff run the whole app.
API + signed webhooks
Read-only or read-and-write keys, ten signed events, a retry ladder. Never charges on demand, never sees a card number.
Integrations
Zapier directly, QuickBooks Online as an import file, Zoho and Salesforce through Zapier, the API and signed webhooks — no direct connector, and we say so. The same API reaches anything else.
The plain statement of each one — what it does, how it runs in the app, what the customer sees.
- Text-to-pay Text-to-pay invoicing.
- Recurring billing + payment plans Recurring billing that runs itself.
- Statements + aging Who owes you, and how late.
- Virtual terminal Take a payment on the spot.
- Bank payments (ACH) Pay an invoice by bank account.
- QuickBooks Online Invoices into QuickBooks Online.
- Profit per job What you actually made on the job.
Fusion Payments — Invoicing, answered
Questions, answered plainly.
The ones we get on the phone, in the words they’re asked in.
- Index
- 13 questions
- Revision
- 2026-09
- Asked of
- A person, first
Q-01What is text-to-pay invoicing?
Text-to-pay means the invoice arrives as a text message with a secure payment link, and the customer pays by card on their own phone — no app, no account. It’s a billing message you send to a customer who gave you their number, from your business name, and a reply of STOP ends the texting for good.
Q-02Do my customers need an app or account to pay an invoice?
No. The link in the text or email opens a hosted payment page in the browser, they pay by card, and they’re done. There is nothing to download and no password to make up.
Q-03Can a customer pay an invoice by bank transfer (ACH)?
Yes, on accounts set up for it. Bank payment is switched on per account rather than being on by default — once it is on, the hosted payment page offers paying straight from a bank account alongside the card, and the customer enters their routing and account numbers on that page. Nothing to install, no account to create. A saved bank account works for autopay on a recurring schedule too, the same way a card on file does. Ask us to switch it on for your account.
Q-04How does autopay work with a card or bank account on file?
Your customer authorizes a card or bank account once, and that authorization is recorded. The details are vaulted by the payment processor — the invoicing software keeps only a token and the last four digits. Each billing cycle the invoice goes out the day before, marked "No action needed — this invoice will be paid automatically", and on the due date the saved method is charged. The customer can "Pay it yourself instead" at any time; remove the method and charging stops immediately.
Q-05What happens if a customer replies STOP?
Texting to that customer stops immediately and stays stopped — the software blocks the channel rather than trusting anyone to remember. Their invoices and reminders continue by email, so a STOP never means an unpaid invoice goes silent.
Q-06Does the customer see card fees before paying?
Yes, always. If your account is set up to surcharge, the surcharge is a printed line on the payment page above the Pay button, and the exact total is shown before a card number is entered. Debit cards are recognized and exempted automatically, and a bank payment is never surcharged. If your account does not surcharge, the customer pays exactly the invoice amount.
Q-07Can I add a surcharge to invoices?
Yes, if you want one. Surcharging on invoices is optional and configured per account, never a default — and when it is on, the surcharge prints as its own line on the payment page above the Pay button, so the customer sees the exact total before entering a card. It is a card-brand program with real limits: capped, regulated state by state, and never permitted on debit. We confirm what your state and your card brands allow, then set up the invoice, the payment page and the receipt language before it goes live. If surcharging does not fit your business, the same account can run dual pricing instead: the invoice payment page shows the card price, the bank price and the cash price, and the customer picks one.
Q-08Can I pass the credit card processing fee to my customer on an invoice?
Yes, in one of two ways, and both are printed before the card is asked for. A surcharge program adds the card fee as its own line on credit cards only — debit is exempt and a bank payment is never surcharged. Dual pricing shows a card price, a bank price and a cash price on the invoice payment page and the customer chooses; the price you set is the price you keep. We set up whichever fits your business and your state, with the disclosure language, before it goes live.
Q-09Can I bill quarterly, or set up a payment plan?
Both. A recurring schedule bills weekly, every other week, monthly or every three months on the day you pick, and under "Ends" you choose no end date, a date, or "After a number of payments" — a four-payment plan is 4. The last invoice’s due date is shown before you save, and the schedule finishes on its own.
Q-10Can I charge a card over the phone without an invoice?
Yes. "Take payment" opens from any page: pick the customer, type the amount, then charge their card on file, key the card they read you, or hand them your phone to key it themselves. The charge is filed as a paid invoice and a receipt goes by email or text when you press the button.
Q-11Does it work with QuickBooks Online?
As an import file. "QuickBooks import (CSV)" on the Invoices list downloads your sent and paid invoices in the shape QuickBooks Online’s Import invoices screen expects — its own column names, one row per line. You upload it in QuickBooks Online under Import data. It is not a live sync, and there is no QuickBooks Desktop file.
Q-12Can I see who owes me and how late they are?
Yes. The "Who owes you" report on Reports lists every customer with an open balance, largest first, aged as of today from "Not yet due" to "Over 90 days", and downloads as CSV. For one customer, "Statement" on their page builds a PDF of every open invoice with its age and a pay link on each line.
Q-13How do I start using Invoicing by Fusion Payments?
Talk to us. Some accounts board immediately — approved and sending their first invoice the same day they apply. Invoicing by Fusion Payments comes set up with your Fusion Payments merchant account — a person configures your account, your sending line, and your payment page, and you start invoicing. There’s no self-serve signup form, on purpose: billing software should arrive working. Existing merchants log in at invoices.fusionpayments.com.
*Answers describe the product as it runs today — not a roadmap.
Start here
Send the next invoice from software that follows up.
Tell us how you bill today — we set up Invoicing by Fusion Payments with your merchant account, your sending line and your payment page, and you keep the following-up time.
call: (407) 395-2832 · a person answers, not a queue
write: info@fusionpayments.com · read by the people who build
* The first conversation is a reading, not a pitch — bring last month's processing statement and leave with every line on it explained. No fee, no obligation.
