Introduction
This article covers all payment-related settings in Copilot. These options let you connect online payment processors, configure automatic billing, manage receipts, and control how customer credits and tips appear on invoices.
You can access payment settings by clicking the gear icon (⚙️) in the top-right corner of your Copilot screen.
Stripe
Stripe is Copilot’s recommended payment processor — offering fast, secure, and professional online payments directly from your invoices and estimates.
With Stripe, you can:
Collect payments online via credit card or ACH.
Save customer payment methods for future use and auto-charging.
Control processing fees (absorb or pass them to customers on Enterprise plans).
Automate billing through Copilot’s Auto-Charge and Auto-Send features.
Stripe’s industry-leading security and instant integration make it the most powerful way to get paid through Copilot.
👉 Learn how to connect Stripe and manage processing fees: Setup Guide: Stripe
PayPal
You can connect your PayPal account to Copilot so customers can pay invoices online in just a few clicks. Setup takes only a few minutes and gives customers another convenient way to pay.
Note: PayPal has several limitations compared to Stripe:
Customers cannot save payment methods on file.
Payments can only be made for invoices (not deposits or credits).
Businesses cannot auto-charge customers through PayPal.
👉 We recommend using PayPal as an additional payment option alongside Stripe, not as a replacement. Stripe offers more functionality — including saved payment methods, auto-charging, and deposit support.
Learn how to connect and configure PayPal: Setup Guide: PayPal
Credit Card Auto-Charge
The Auto-Charge feature automatically charges customers’ saved credit cards for their invoices as soon as they’re created or sent. This ensures faster payments, less manual follow-up, and a smoother experience for both your team and your customers.
Key Details:
Works with credit cards only (not ACH).
Available on the Enterprise plan.
Can trigger when invoices are sent or when they’re created.
Includes configurable retry attempts for failed payments.
👉 Learn how to set up and manage Auto-Charge: Setup Guide: Auto-Charging Invoices
Default Receipt Email Settings
Control which email templates are used when sending receipts.
How to Access
Go to Settings > Invoices, Estimates & Receipts.
Scroll down to Default Receipt Email Settings.
Available Options
Default Receipt Email Template: Select the email template used for receipts.
Attach PDF of Invoice to Email: Automatically attach a PDF copy to each receipt email.
Default Receipt SMS Settings
Control which SMS (text message) templates are used when sending receipts.
How to Access
Go to Settings > Invoices, Estimates & Receipts.
Scroll down to Default Receipt SMS Settings.
Available Option
Default Receipt SMS Message: Select the text message template used for receipts.
Show Credit Available
Choose whether to show or hide the Credit Available line item when viewing invoices internally.
How to Access
Go to Settings > Invoices, Estimates & Receipts.
Scroll down to Show Credit Available (bottom of the page).
This setting is a checkbox.
Automatically Apply Customer Credit to Invoice
Automatically applies available customer credit to invoices when the credit covers the full invoice amount.
How to Access
Go to Settings > Invoices, Estimates & Receipts.
Scroll down to Automatically Apply a Customer Credit to Invoice (bottom of the page).
This setting is a checkbox.
Card on File Notification Setting
This setting alerts customers if they remove all payment methods on file. It also notifies your internal team to cancel services if no valid payment method remains.
How to Access
Go to Settings > Invoices, Estimates & Receipts.
Scroll down to Card on File Notification Setting (bottom of the page).
This setting is a checkbox.
Show Tips on Invoices
Allow customers to leave tips when paying their invoices online.
How to Access
Go to Settings > Invoices, Estimates & Receipts.
Scroll down to Show Tips on Invoices and Allow Customers to Leave Tips When Paying (bottom of the page).
This setting is a checkbox.