# Turn card payments off on a big job

Source: https://help.mucka.ai/invoices/turn-off-card-payments
Category: Invoices
Last updated: 2026-08-28

> On a £5,000 install the card fee is around £75. Untick Accept card payments on that invoice and the customer is offered bank transfer only.

Card is brilliant on a £90 call-out. On a £5,000 boiler install the same percentage is around £75 of your money, and a bank transfer costs you nothing. So you can turn card off — on one invoice, or on every invoice over a figure you pick.

This isn't a surcharge. You're not adding anything to the customer's bill (that isn't legal in the UK anyway) — you're just not offering them the card option on that one.

## Turn it off on one invoice

Open the invoice and look under the total. There's a tick box: **Accept card payments**. Untick it, save, and that's it.

That customer now sees your bank details and a reference, and no Pay by card button — on the online invoice page, in the invoice email, on the PDF, on the link you send over WhatsApp, and on the quote page if the job started as a Live Quote. It also switches off the QR code on the job screen, so nobody accidentally takes a card on the doorstep for the job you'd decided not to.

Changed your mind, or the customer says they'd rather pay by card? Tick it back on. Even an invoice you've already sent updates straight away — the link they're holding is a live page, not a photocopy.

## Do it automatically on big jobs

Nobody remembers to untick a box while they're pricing up a bathroom. So set the rule once instead.

Head to [**Settings → Money → Getting paid**](/settings/money/payments) and, under **Big jobs**, fill in **Turn card off on invoices over**. Put in 2000 and every invoice over £2,000 goes out with bank transfer only.

A few things worth knowing:

- It's measured on the **invoice total including VAT** — the big number at the bottom, the one you'd read out.
- **Over** means over. A limit of £2,000 leaves an invoice of exactly £2,000 on card.
- It's off by default and stays off until you put a figure in. Nothing changes for anyone who doesn't want this.
- It works on the invoice's own total. A £10,000 job split into four £2,500 stages is four invoices of £2,500 each, so a £3,000 limit leaves all four on card. That's deliberate — the fee is charged per payment.

The tick box on an individual invoice always wins over the rule, both ways. So you can allow card on one big one for a customer who insists, or turn it off on a small one, without touching the setting.

## Put your bank details in first

If card is the only way to pay, turning it off leaves the customer with nothing. So Mucka won't let that happen quietly:

- **The automatic rule doesn't run at all** until you've saved your bank details in [Settings → Business → Paperwork](/settings/business/paperwork). Settings tells you if that's why nothing's happening.
- **Unticking the box on one invoice** still works — that's your call, made deliberately — but the invoice form warns you, and the customer's page tells them to ring you instead of showing them a dead end.

See [Put your bank details on every invoice](/help/invoices/add-your-payment-details).

## Common gotchas

- **They already paid by card.** Turning it off doesn't undo anything. It only stops future attempts on that invoice.
- **You're not connected to Stripe.** Then there's no card option in the first place and you won't see the tick box at all. See [Take card payments](/help/invoices/take-card-payments).
- **A deposit or a stage off a quote.** Those are proper invoices in their own right, so your rule applies to each of them at its own amount — not at the value of the whole quote.
- **Your customer asks why there's no card button.** The page doesn't explain it, deliberately: it just shows bank transfer as the way to pay, the same as it did before Stripe existed. Nothing tells them you turned anything off.