Every payment. Every method. One clear invoice.

Your customers pay differently — and your invoices should reflect that. docs101 lets you set the payment method on every invoice, generate the right text automatically, and even create invoices for payments you already received.

✓ 6 payment methods: bank transfer, credit card, PayPal, cash, check, other
✓ Automatic payment text generation
✓ Customer defaults — set once, apply to every invoice
✓ ZUGFeRD-compliant with correct UNTDID 4461 type codes

Supported payment methods

Each method generates the appropriate text on your invoice and sets the correct type code in the ZUGFeRD XML. The bank account section only appears when bank transfer is selected — no clutter for other methods.

Bank Transfer

Code 58

SEPA credit transfer with IBAN and BIC on the invoice. Your bank details appear in the payment section and the footer. ZUGFeRD type code: 58.

"Payment due within 14 days via bank transfer."

Credit Card

Code 48

For Visa, Mastercard, or any card payment — in-store or through payment processors like Stripe, Square, or SumUp. ZUGFeRD type code: 48.

"Paid in full via credit card on 08.04.2026."

PayPal

Code 68

Clear identification of PayPal as the payment method on the invoice. Works with regular and prepaid invoices. ZUGFeRD type code: 68.

"Payment due within 7 days via PayPal."

Cash

Code 10

For cash payments at the point of sale or on delivery. Especially common for freelancers and tradespeople. ZUGFeRD type code: 10.

"Paid in full via cash on 08.04.2026."

Check

Code 20

For check payments — still used in certain industries and countries. ZUGFeRD type code: 20.

"Payment due within 30 days via check."

Other

Code 1

A catch-all for any payment method not listed above — cryptocurrency, vouchers, barter, or custom arrangements. ZUGFeRD type code: 1.

"Payment terms as agreed."

Prepaid invoices — for payments already received

Sometimes the money arrives before the invoice. SaaS subscriptions charged via Stripe, credit card purchases at the register, or advance payments for a project. docs101 handles this with a dedicated "Already Paid" payment term.

How it works

1 Choose a payment method (e.g. Credit Card)
2 Select "Already Paid" as the payment term
3 Enter the payment date and an optional reference
4 The invoice is finalized directly as "Paid"
5 Send it to your customer as a receipt

A different status flow

Regular invoices follow the flow Draft → Open → Sent → Paid. Prepaid invoices reverse the last two steps: Draft → Paid → Sent. This means the invoice is marked as paid before it is sent — because the payment was already received.

Regular

Draft Open Sent Paid

Prepaid

Draft Paid Sent

Customer defaults — set once, use everywhere

Set a default payment method for each customer. When you create a new invoice, the payment method is pre-filled automatically — just like the payment term and bank account. Saves time and reduces errors.

ZUGFeRD-compliant — down to the type code

The payment method is not just text on a PDF. docs101 encodes it in the ZUGFeRD/Factur-X XML with the correct UNTDID 4461 type code. This ensures that receiving systems — ERP software, accounting tools, government portals — can process your invoices automatically.

Payment Method	Type Code	UNTDID 4461
Bank Transfer	58	SEPA Credit Transfer
Credit Card	48	Bank Card
PayPal	68	Online Payment Service
Cash	10	Cash
Check	20	Check
Other	1	Instrument not defined

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Defaults

Can I set a default payment method per customer?

Yes. In the customer settings, you can choose a default payment method. It will be pre-filled on every new invoice for that customer. You can always override it on individual invoices.

ZUGFeRD

How does the payment method affect e-invoicing?

The payment method determines the UNTDID 4461 type code in the ZUGFeRD/Factur-X XML. For example, bank transfer uses code 58 (SEPA Credit Transfer), credit card uses 48 (Bank Card), and PayPal uses 68 (Online Payment Service). This ensures machine-readability.

Prepaid

What happens when I finalize a prepaid invoice?

The invoice skips the "Open" status and is immediately marked as "Paid". You can then send it to your customer by email — the status changes to "Sent", which means both paid and delivered. This is the final state for prepaid invoices.