Payment details that get you paid

Match the method to the client

A US client often pays by ACH, a mailed check, Zelle, or a card link. A euro client often pays by SEPA and needs an IBAN. An India client often pays by UPI or NEFT. If the PDF only says “bank transfer,” they stop and email you. That pause is a late payment even when they are willing to pay.

• USD / ACH — bank name, account name, account number, routing number.
• EUR / SEPA — account name and IBAN. Add BIC/SWIFT if the sender is outside the SEPA area.
• GBP — account name, sort code, and account number.
• India — UPI ID and, if they pay from a company account, bank name, account number, and IFSC.
• PayPal, Wise, or a payment link — the exact address or URL, plus who pays the fee if you agreed that.

The name on the account must match the invoice

Banks and finance teams hold transfers when the beneficiary name does not match the seller name on the invoice. Use the same legal or trading name on the PDF header and in the payment block.

Say who covers transfer fees

Cross-border wires sometimes arrive short because an intermediary bank took a fee. If you need the full invoice amount, write that the client should send the total so you receive the amount due. Agree it before the job, not after the money is already short.

FAQ

Can I list more than one way to pay?

Yes. Two clear options is useful. Five options makes the client ask which one you prefer, which delays payment.

Should payment details go in the email as well as the PDF?

Put them on the PDF so accounts keeps them with the bill. Repeat the shortest version in the email if the PDF might be stripped.