Open banking vs card payments for invoice collection
Both rails can work. The right choice depends on invoice value, payer preference, and the evidence your firm needs after settlement.
Should invoices be paid by open banking or card?
Open banking is usually better for higher-value invoices where a capped fee and direct bank authorisation matter. Card payments are useful when the payer expects a familiar checkout, Apple Pay, Google Pay, or a card-funded transaction. Accountancy firms should not choose only by fee; they should also check whether both rails create the same reconciliation record, payer proof, provider reference, and audit certificate. Saldivo lets firms offer both methods from one payment request.
What matters before you choose a payment workflow.
Every page in this programmatic set is built from a shared structure, but the examples, trade-offs, and recommendations are specific to the search intent.
Fee comparison
The fee difference increases as invoice value rises. A £1,200 invoice reaches the £4 open-banking cap, while card fees keep scaling with value.
Operational comparison
The operational winner is the method that preserves the strongest payment record. If two rails require two reconciliation processes, the savings can disappear into back-office work.
Related Saldivo pages
Get paid and keep the evidence.
Start with one invoice, one payer, and one audit-ready payment record.