Zoey AutoPay

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Collect Payment for Customer Invoices Automatically

AutoPay helps you automatically collect payment for eligible invoices when they become due. Once AutoPay is enabled for an Account, Zoey uses the selected saved payment method and the configured grace period to determine when payment should be captured.

With AutoPay, you can:

• Automatically collect payment on open invoices after the invoice due date.
• Give Accounts a configurable grace period before payment is attempted.
• Let admins, sales reps, CSR staff, and eligible customers manage AutoPay settings from the Admin or My Account.
• Track AutoPay status and payment attempts across Accounts, invoices, orders, and transactions.

AutoPay collects payment on invoices. It does not create invoices. If you want invoices to be created automatically, review Invoicing Automation. If you want to manually send a payment request to a customer, review Send Invoice.

Supported Payment Methods

AutoPay is available for saved payment methods connected to supported payment gateways.

Supported payment methods include:

• ✅ Stripe credit cards
• ✅ Authorize.Net credit cards

Authorize.Net requires CIM to be enabled in the merchant’s Authorize.Net control panel before saved cards can be used for AutoPay.

The following payment methods are not supported for AutoPay at this time:

• ❌ Braintree
• ❌ PayPal

Do not enable AutoPay for Accounts whose payments are settled through NetSuite, QuickBooks, or another ERP integration unless your Zoey implementation has been confirmed as ready for AutoPay. Enabling AutoPay before integration support is complete can create a risk of duplicate captures.

Enabling AutoPay

AutoPay is configured at the Account level. Once enabled, the selected payment method and grace period apply to eligible open invoices for that Account.

Step 1 — Enable AutoPay on the Account

From the Admin, go to Accounts, open the Account, then go to Settings. In the AutoPay section, select Edit.

In the Edit AutoPay drawer, set Enable AutoPay to Yes.

Only enable AutoPay after confirming the Account should be charged automatically for eligible invoices.

Step 2 — Select Payment Account

Use the Payment Account dropdown to choose the saved card or bank account that should be charged.

Only saved payment methods that are available for supported gateways can be selected. For example, if the Account has a saved card on Stripe, that card can appear as an AutoPay option. If the Account has a saved PayPal payment method, it will not be available for AutoPay.

If the payment method you expected does not appear, confirm that it was saved through a supported gateway. You can learn more in Saved Cards.

Step 3 — Configure Grace Period

Use the Grace Period dropdown to choose how long Zoey should wait after the invoice due date before attempting AutoPay.

You can select a grace period from 0–30 days. The first option is None — Payment Collected on Due Date.

For example:

• If an invoice is due July 30 and the grace period is set to None, AutoPay attempts payment on July 30.
• If an invoice is due July 30 and the grace period is set to 3 days, AutoPay attempts payment on August 2.

AutoPay uses the invoice due date. If your Account uses Net Terms, the invoice due date is based on the Account’s terms and invoice settings.

How AutoPay Works

When AutoPay Charges

AutoPay checks eligible invoices automatically. A charge is attempted when the invoice due date plus the configured grace period is less than or equal to the current date and time.

Zoey checks for eligible AutoPay invoices every minute, so payment is typically attempted within about 60 seconds of becoming eligible.

Example:

An invoice is due on July 30 and the Account has a 3-day grace period. AutoPay attempts payment on August 2.

AutoPay does not charge invoices before the due date plus grace period.

What “Next Payment” Means

The Next Payment date shows when Zoey expects the next invoice to become due for AutoPay.

This date helps admins and customers understand the next upcoming scheduled AutoPay activity for the Account. It is based on eligible invoice timing and should reflect the expected due date behavior after the latest AutoPay updates.

If the Next Payment date does not look correct, verify the invoice due date, the Account’s grace period, and whether the Account has eligible open invoices.

Where AutoPay Status Is Visible

AutoPay status appears in several areas of Zoey so admins, sales reps, CSR staff, and customers can understand whether AutoPay is enabled and what activity is expected.

• Account Overview: Shows the Account’s AutoPay status and upcoming AutoPay information.
• Sales tab / Admin Account: Helps internal teams review AutoPay status while managing account activity.
• Invoice list and invoice detail: Shows whether an invoice is associated with AutoPay collection.
• Order View Open Invoices section: Helps admins understand which open invoices may be collected through AutoPay.
• Customer My Account: Lets customers view and manage AutoPay settings when permitted.
• My Invoices banner: Shows customers that AutoPay is enabled for the Account.
• Transactions list and transaction detail: Shows payment activity and AutoPay-related transaction history.

Handling Failures

Dunning & Retries

If an AutoPay capture fails, Zoey retries payment according to the configured dunning schedule.

You can review or configure the dunning schedule from System → Configuration → Auto-Pay → Dunning Schedule.

When a payment fails, the customer receives an AutoPay failure email that includes the failure reason and the next scheduled attempt date.

A failed AutoPay attempt does not automatically close or pay the invoice. The invoice remains open until payment is successfully captured or handled another way.

Card Update Flow

If the saved card is expired, declined, or no longer valid, the admin or customer can update the saved payment method.

Admins can update saved payment methods from the Account in the Admin. Customers can update eligible saved cards from My Account when your store allows customers to manage saved cards.

For more information about managing stored payment methods, review Saved Cards.

Suspension & Recovery

After the configured maximum number of failed attempts, AutoPay is suspended for the Account.

Once the underlying issue is fixed, such as replacing an expired card or resolving a gateway decline, the next successful capture clears the suspension.

If AutoPay has been suspended, review the failed transaction details and customer payment method before reattempting collection.

Customer Experience — My Account

Customers can manage AutoPay from My Account when the feature is available for their Account and storefront permissions allow access.

Enabling AutoPay from My Account

The customer signs in and goes to Account Manager → AutoPay. From there, they select Edit to open the AutoPay drawer.

In the drawer, the customer can:

• Enable or disable AutoPay.
• Select an eligible saved payment method.
• Review or update the grace period, when allowed.

The fields mirror the Admin AutoPay settings so internal teams and customers are working from the same Account-level configuration.

Customers can only select payment methods that are saved and supported for AutoPay.

My Invoices Banner

When AutoPay is enabled for the Account, customers see an AutoPay message at the top of My Invoices.

The banner confirms that AutoPay is enabled for the Account so customers understand that eligible invoices may be charged automatically.

How Customers See Scheduled Charges

Customers can review upcoming AutoPay activity from My Account, invoice details, and AutoPay-related emails.

The exact payment timing depends on the invoice due date and the Account’s configured grace period. Customers should review invoice due dates and AutoPay emails if they need to understand when a payment is expected.

AutoPay does not replace invoice visibility. Customers can still review invoices from My Account.

Disabling AutoPay

To disable AutoPay, go to Account Manager → AutoPay → Edit, set Enable AutoPay to No, then select Save.

Admins can also disable AutoPay from the Account’s AutoPay settings in the Admin.

After AutoPay is disabled, Zoey will not automatically charge future eligible invoices for that Account. Existing invoices remain open and must be paid manually, collected through another payment workflow, or handled by your internal team.

Disabling AutoPay does not cancel, void, or remove existing invoices.

Troubleshooting

I added a card but AutoPay isn’t working.

Confirm that the saved card is connected to a supported gateway. AutoPay supports Stripe credit cards and Authorize.Net credit cards. For Authorize.Net, confirm that CIM is enabled in the merchant’s Authorize.Net control panel.

If the card was saved through an unsupported gateway, it will not be available for AutoPay. Review Saved Cards, Stripe, or Authorize.Net for setup details.

My Next Payment date keeps changing.

The Next Payment date is intended to show when Zoey expects the next invoice to become due for AutoPay. If the date changes, review the Account’s open invoices, due dates, and grace period.

If the date appears incorrect after reviewing those details, contact Zoey Support with the Account, invoice, and AutoPay settings so the team can investigate.

AutoPay charged me but I don’t see the invoice as paid.

If AutoPay captured payment but the invoice does not show as paid, review the transaction details and any connected integration syncs.

For Accounts connected to NetSuite, QuickBooks, or another ERP, payment sync timing and duplicate capture safeguards should be reviewed before enabling AutoPay broadly.

Contact Zoey Support with the Account, invoice, transaction, and integration details.

I want to skip just one invoice.

Skipping AutoPay for a single invoice is not currently supported from the UI.

If you need to prevent one invoice from being collected automatically, contact an admin or CSR so they can review the Account and invoice before the invoice becomes eligible for AutoPay.

AutoPay didn’t fire after I enabled it.

Confirm the following:

• The invoice is open.
• The invoice due date plus grace period has passed.
• The Account has AutoPay enabled.
• The selected payment method is still valid.
• The payment method uses a supported gateway.
• The Account has eligible open bills for AutoPay.

If AutoPay was enabled after the invoice became due, Zoey still uses the due date and grace period to determine whether the invoice is eligible.

AutoPay FAQs

Does AutoPay charge sales tax?

Yes. AutoPay charges the invoice total, including sales tax, shipping, discounts, surcharges, and any other amounts included on the invoice.

Will AutoPay charge before the due date?

No. AutoPay only attempts payment on or after the invoice due date plus the configured grace period.

Can I have AutoPay on some invoices and not others?

AutoPay eligibility can exist at the data level, but there is no per-invoice UI control today for choosing only certain invoices. If you need an exception, contact an admin or CSR.

What happens when my card expires?

If the saved card expires, AutoPay may fail. The customer receives an AutoPay failure email with the reason and next attempt date. The admin or customer should update the saved card before the next retry.

Is there a fee for using AutoPay?

No. Zoey does not add a separate AutoPay fee.

Does AutoPay work with statements?

Yes. AutoPay can be used with invoice and statement workflows that rely on invoice due dates. Review the statements section in Net Terms for more information about how statements relate to invoices and due dates.

Can I see a history of AutoPay attempts?

Yes. Admins can review AutoPay attempts through the Account, invoice, transaction details, and audit log.