Online card and ACH payments on client invoices. Off by default — Dean or Wendee turn it on.
Clients pay by check or ACH today. Nothing changes until this is turned on.
Once on, every invoice email gets a Pay online button, payments post back to QuickBooks and mark the invoice paid, and the project moves to Closed · paid. The card fee can be passed on as a surcharge (allowed in Wisconsin, with disclosure).
Shown as its own line and disclosed before payment. Never on ACH.
Wisconsin allows up to the real cost; 3% is common
Below this, offer ACH or check only