Background
We updated the invoices page template (invoices.htm) to
reduce confusion and give members clear, consistent access to payment options.
Previously, certain buttons were hidden once a card or ACH mandate was stored;
members often couldn’t find how to switch or update their method without an
unpaid invoice present.
Original Behavior (Before Update)
• “Store Card Payment” / Authorize.Net Subscriptions only
appeared if no card and no ACH mandate were on file.
• “Setup Direct Debit” (GoCardless/ACH) only appeared if the
member had not signed a mandate yet.
• PayPal / Stripe / Spreedly and other one‑off pay buttons
appeared when the provider was enabled.
• Result: Once a recurring card/ACH was set up, the related
setup button disappeared and users felt locked in.
New Behavior (After October 2025 Update)
• All enabled payment providers remain visible to members on
unpaid invoices (Card, ACH/Direct Debit, PayPal, etc.).
• Members can choose a different method at pay time, even if
a default method is already on file.
• Labels and helper notes make it clear when a payment is
processing or when no unpaid invoices exist.
New UX Additions
1) Default Payment
Method Banner (always visible)
Shows the member’s current default payment method at the top
of the page:
• If the gateway exposes last four: “Card ending in ••••1234”.
• If not, but a stored card exists: “Card on file”.
• If ACH mandate exists: “Bank (ACH/Direct Debit) on file”.
• Otherwise: “No default payment method on file”.
This is display-only; it does not change or affect the stored method.
2) Processing-Lock
Notice
When an invoice state is Processing, members see a note:
“This charge is currently processing. Payment methods can’t be changed once
processing has started.”
This explains why buttons or options are unavailable mid-transaction (platform
safeguard).
3) No-Unpaid-Invoice
Notice
If a member has no unpaid invoices, they see a message
clarifying:
“Payment methods can be updated when you have an unpaid invoice. Your default
method will be used automatically for new charges.”
4) Credit Card Fee
Tooltip
An info (i) icon appears next to the Pay by Card option.
Hover/tap reveals:
“Credit card payments are subject to a 3% processing fee.”
This note appears only for card payments (not ACH/PayPal).
What This Means
For End Users
• Clearer understanding of what will be charged by default
and when they can change methods.
• Ability to pick a different method when an invoice is unpaid.
• Transparent fee information for credit card payments.
• Explanation when a payment is in progress and cannot be changed.
For Admins
• Fewer “where did my button go?” tickets.
• Less back-and-forth about when members can update stored methods.
• No impact to gateway logic; changes are front‑end display only.
Technical Notes (invoices.htm)
• Display-only logic; no gateway endpoints were changed.
• Default banner logic checks, in order: Card last‑4 (if
exposed), stored‑card flags, GoCardless mandate flag, else none.
• Processing state shows explanatory text;
unpaid‑invoice‑absent state shows guidance text.
• Fee tooltip is placed next to each “Pay by Card” action,
not for ACH/PayPal.
• All updates are compatible with existing styling and
conditionals.
Testing Scenarios
1) Member with no stored methods: Confirm all enabled pay
options appear on an unpaid invoice and banner shows “No default…”.
2) Member with stored card (last‑4 available): Banner shows
“Card ending in ••••####”; card fee tooltip shows; ACH/PayPal visible if
enabled.
3) Member with ACH mandate only: Banner shows “Bank
(ACH/Direct Debit) on file”; card fee tooltip still appears next to card option
if available.
4) Processing invoice: Pay options are suppressed by the
platform; note explains the processing lock.
5) No unpaid invoices: Banner displays, and the page shows
the no‑unpaid‑invoice guidance.
FAQ
Does this change how
payments are processed?
No. These are front‑end display updates only. Stored methods
and processing behavior are unchanged.
Can members update
payment methods without an unpaid invoice?
No. Nexudus restricts updating the method to the context of
an unpaid invoice. The notices explain this behavior.
Will the banner
always show last‑4 digits?
Only if the gateway exposes them to the template. Otherwise,
members will see “Card on file.” ACH shows as “Bank (ACH/Direct Debit) on
file.”