Payments - Flexible Payment Option Configuration by Service Type
Summary: Please update the payment feature to allow administrators to select which payment types (debit, credit, ACH) are available for each service or invoice category, rather than a single on/off toggle for both credit and debit cards together. This will provide the necessary flexibility to optimize payment acceptance and compliance across different business units.
Current Limitation: Currently, JN's payment module only allows us to enable or disable credit and debit card acceptance as a single, bundled option. This restricts our ability to tailor payment methods by service type, as we cannot offer debit card payments for some services and not others.
Requested Enhancement: We need the ability to configure accepted payment methods (debit card, credit card, ACH) independently for different service types or departments. For example: Service Department invoices could be paid by debit card, credit card, or ACH. Other types of invoices could be limited to credit card and ACH only.
Business Rationale: Legally, businesses can choose to accept debit cards for some services but not others. However, the current system design does not support this flexibility, limiting our ability to manage payment options in a way that aligns with our business needs and compliance requirements.
Karla Ferguson
shared this idea
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Karla Ferguson
commented
Some payment methods, like credit cards, come with higher processing fees. By controlling which payment types are accepted for specific services, businesses can manage costs more effectively—offering lower-cost options like ACH or debit where margins are tight, and reserving higher-cost options for services where surcharges can be passed on or absorbed.