How to Invoice Credit Card Holders

Merchants invoice cardholders each month for the total amount of money in the previous billing cycle. Companies can charge additional processing fees, as well. For example, Visa, Mastercard, American Express, and Discover card providers may charge a small amount of money for each purchase. The company must include these transaction fees in the invoice and annual, monthly, or minimum charges (if applicable).

Credit card processing companies typically send monthly invoices requiring customers to pay their remaining balance by a specific date. The bill provides the customer with instructions on submitting their payment (i.e., online, mail, app, etc.). Customers enrolled in automated pay services often decline regular invoicing. However, other cardholders rely on the monthly statements to ensure that they pay on time. For this reason, it is essential that the credit card processor properly bills the client regularly.