Creating a Payment

The entire Inspire platform centers around payments. Payments can be generated automatically, for example, when an invoice is created using a credit card or ACH (Automated Clearing House), or they can be initiated manually by customers through payment, invoice, or order links. Below are all the areas within the platform where a payment can be initiated or created.

Invoice Payments:

When creating an Invoice, users have the option to set it for manual or automatic payment. For automatic charges, a valid credit card or bank account (for ACH charges) is required during creation, and the payment will be processed for the Customer. If a payment fails for any reason, the Customer can access the invoice payment link on the payment page for manual processing.

For manual payments, the invoice is emailed to the customer with a payment link granting access to the invoice payment page.

On the Invoice payment page, Customers will find various payment methods available based on their location and how the Invoice was generated. If a manual payment fails, it can be retried, and the payment method can even be changed based on the Customer's preference.

Subscription Payments:

Subscriptions themselves are not paid directly but are funded through Invoices generated at regular intervals based on the recurrence period of the products added to the Subscription.

Similar to manually created Invoices, Subscription-generated invoices can be configured for manual or automatic payment.

For Invoices set for automatic payment, payment processing occurs immediately after the Invoice is generated through the Scheduled module. Unlike manually created Invoices, if an Invoice processed by the Scheduler fails to be charged, it will be retried up to three times. If the third attempt fails, an email containing the Invoice payment page link will be sent to the customer for manual payment.

When a manual payment is made for an Invoice generated by the Scheduler for automatic payment, it does not alter the payment method for future Invoices. However, if a manual payment is processed using a different credit card or ACH, the payment method for future Subscription-generated Invoices will be updated accordingly.

Order Payments:

Unlike one-time payments and Invoice payments, Orders can be generated initially by a payment attempt or paid at a later time. When a Customer accesses a payment link, with or without products, any payment attempt results in the creation of an Order. The type of product being paid for and how the payment link was set up determine whether the Order also generates an Invoice or a Subscription.

For payment links that solely generate an Order, if the payment attempt fails (customers can attempt payment multiple times at the hosted checkout), a link for the Order will be generated and accessible on the Order detail page. This allows administrators to resend the link to the Customer for additional payment attempts.

Orders are not created within the platform directly; they are only generated through payment attempts from payment links. Therefore, automatic charging options are not available for Orders.

If an Order includes a trial period, once the trial period ends, the Scheduler module handles the charge similar to Invoice charges. For Orders with a credit card or bank account added, the Scheduler will attempt to charge the payment method. If it fails, retries will be made up to three times. For Orders without a specified payment method or after three failed attempts, an email containing the existing Order's payment page link will be sent to the Customer. Upon accessing this link, the Customer will have various payment method options based on their location and the setup of the payment link that generated the Order.

One-time Payments:

One-time payments differ from Invoices in that they do not require a product to be specified, unlike Invoices, and they exclusively support automatic charges without the option for manual payments. To initiate a one-time payment, the user only needs to provide a Customer, with an amount specified by the user creating the payment along with the desired currency, and a payment method. Similar to automatic Invoice charges, valid credit card or bank account information is required for ACH charges.

Unlike Invoices, if the automatic charge for a one-time payment fails, no link to an external payment page will be generated for the Customer to make a manual payment, nor will there be another attempt to charge the chosen payment method.

Creating a one-time payment:

Upon accessing the platform, users will find a "Payments" option in the side menu. Clicking on this option allows users to create payments. When opting to manually create a payment, users are presented with two choices: to create a one-time payment or a recurring payment. If selecting a recurring payment, users will be directed to the subscription creation page. For a one-time payment, users will fill out a form containing the following fields:

• Amount: This is a mandatory field where users must enter an amount greater than 0.00. Users can select to charge the amount in Reais or Dollars, with the minimum amount subject to the settings configured for the Tenant.
• Customer: Every payment, regardless of origin or type, requires a customer. Users can select an existing customer from the list, search for a customer if needed, or create a new customer for the payment being generated.
• Statement Descriptor: This field is also mandatory as it serves as the description displayed on the Customer's credit card statement or bank account statement, depending on the chosen payment method. The information is initially populated from the Tenant's details but can be edited during payment creation.
• Payment Method: One-time payments only support automatic charges, requiring a valid payment method such as a credit card or bank account for ACH transactions.