Payment Options Overview

The Payment Options in Upmind is the area for configuring global payment settings. This section outlines how to access and customise payment capture, billing automation, client wallet, and multi-currency features to match your business requirements. To open the Payment Options page:

Log in to your Upmind account.
Click Settings in the left menu.
Select the Payment Options tile.

Gateway settings

At the top of the Payment Options page, you can customise how Upmind handles automatic payments.

Field Name	Description
Payment capture mode	This setting controls whether card payments are captured immediately or just authorised for later capture. Immediate capture is useful to avoid chargebacks from fraudulent payments. 1. Direct Capture: Payment is taken right away. 2. Authorize: Payment is pre-approved and reserved on the customer’s card, allowing you to complete the charge later.
Authorization capture delay days	Set how many days after authorization the payment should be captured (applies if using Authorize mode).
Enable partial payments for clients	Allow clients to pay invoices in parts, not just in full.
Statement description	Set a description to appear on client statements (if supported by the payment processor).
Force card storage	Store card details securely for future use, if supported by the gateway.
Delete card only if replacement	Only remove a stored card if a new one is added and the account has active services.
Force auto payment for stored details	Automatically charge invoices using stored payment details.
Enable payment details store for shared invoices	Show Save payment details and Allow auto payment options for shared invoices.

To add or remove payment gateways, visit the Payment Providers section.

Billing automation

Customise how Upmind handles recurring, overdue, and failed payments, including notifications.

Field Name	Description
Max authorization capture attempts	Maximum number of times to attempt capturing an authorized payment.
Invoice charge attempt interval days	Days between automatic charge attempts.
Max invoice charge attempts	Total number of automatic charge attempts for an invoice.
Reset payment attempts on successful payment	Resets payment attempts for overdue or unpaid invoices when a client pays another invoice, applying only to invoices that have reached the maximum payment attempts.
Days’ notice before card expiry notification	Number of days before the card expiry to notify the client.
Attempt other saved card on failed payments	Try other stored cards if the automatic payment on the main card fails.
Failed card cool-down charge interval	Wait time (in hours) before retrying a failed card payment. By default, this is set to 2 hours. Set it to 0 to disable this feature.
Invoice categories, for auto-charging	Select invoice types to auto-charge: 1. Recurring invoice = renewals 2. Initial invoice = new orders 3. Migration = upgrades/downgrades 4. One time service = one-time orders 5. Consolidation = invoice consolidations
Charge interval before due date	Days before the due date to attempt the first invoice charge.
Charge interval before due date (with pending payments)	For gateways that are not instant and can take time like Direct Debit, set days before due for pending payments.
Max days to attempt payment after charge date	On an import from an external system to Upmind, limit how long to keep trying to charge overdue imported services.
Payment days term priority	Choose which due date to use if multiple services on an invoice have different payment days. - Smaller (the earlier due date) - Bigger (the later due date)
Expiration notices	Set how many days before product expiry to send notifications.
Cancel invoices on stopped contract	Automatically cancel invoices older than X months for suspended/cancelled/closed contracts.
Purge pending payments after X days of inactivity	Automatically remove pending payments not completed after X days.

Client wallet

Customise client wallet (account balance) settings for your clients.

To learn more about client wallet settings, follow this guide.
To learn more about how clients can access their wallet after they log in to their store account, follow this guide.

Field Name	Description
Credit limit	Allow clients to have a negative wallet balance up to a set limit.
Credit limit*	Maximum negative balance in your brand’s default currency.
Day of the month for generating wallet statement	Set the day each month to generate wallet statements.
Multi currency balance	Enable use of wallet balances across different currencies, with automatic conversion.
Auto consume balance on invoice due date	Automatically use wallet balance when an invoice is due.
Possible top-up	Control whether clients can top up their wallet, regardless of active services. 1. Allow top-ups for all clients. 2. Only allow top-ups for clients with active orders. 3. Never allow top-ups.
Force credit note on top-up	Always issue a credit note for wallet top-ups.
Top-up credit note tax template	Set the tax template for credit notes on wallet top-ups. If not set, the system will use the default tax template.
Pay invoice by wallet balance on creation	When an invoice is created, this option allows the system to automatically pay the invoice using the client’s wallet balance.
Partially pay invoice by wallet balance on creation	When an invoice is created, this allows a partial payment attempt using the client’s wallet balance. This works only in combination with the previous setting (Pay Invoice by Wallet Balance on Creation) to enable wallet payments on invoice creation.

Payment currencies

Manage how invoices and payments are handled in multiple currencies.

Field Name	Description
Enable payment in different than document currency	Let clients choose a preferred payment currency per payment, not just per invoice.

​Gateway settings

​Billing automation

​Client wallet

​Payment currencies

Gateway settings

Billing automation

Client wallet

Payment currencies