How to Use GoHighLevel for Bank-Only Invoice Transfers (SEPA ACH)

If you use ClickUp or other project tools to manage clients, you can still collect invoice payments directly in GoHighLevel using bank-only transfers such as SEPA ACH. This guide explains how to enable and manage these transfers so your clients can pay securely from their bank accounts without using credit cards.

The information in this guide is based on the official documentation for bank-only transfers for invoice payments (SEPA ACH) in GoHighLevel. You will learn how the feature works, what your clients see, and how to track payments.

What Are Bank-Only Transfers in GoHighLevel?

Bank-only transfers in GoHighLevel allow your clients to pay invoices directly through their bank accounts using SEPA ACH, instead of paying by card. This is especially useful for businesses working in regions where SEPA transfers are common and for those that prefer lower transaction fees compared with card payments.

When enabled, the invoice payment flow provides a bank transfer option. Clients can authorize a one-time SEPA ACH payment, and GoHighLevel coordinates the process through your connected payment processor.

Prerequisites for SEPA ACH in GoHighLevel

Before using bank-only transfers for invoices in GoHighLevel, make sure the following requirements are met:

• You have a supported payment processor connected in your GoHighLevel account.
• SEPA ACH (or equivalent bank transfer method) is enabled in your processor settings.
• Your business operates in a region where SEPA bank transfers are supported.
• Your sub-account is correctly configured with the appropriate currency and billing settings.

If any of these are not in place, bank-only transfers may not appear as an option when clients pay your invoices.

How Bank-Only Invoice Transfers Work in GoHighLevel

The bank transfer flow for invoices in GoHighLevel follows a clear sequence from the moment you send an invoice to final settlement of funds.

Step 1: Send the Invoice from GoHighLevel

1. Create your invoice inside the sub-account.
2. Add line items, taxes, and due dates as needed.
3. Ensure that online payments are enabled for the invoice.
4. Send the invoice link to your client via email or share the direct URL.

The client will open the invoice page hosted by GoHighLevel and see the available payment methods, including the bank-only transfer option when eligible.

Step 2: Client Chooses Bank Transfer (SEPA ACH)

On the invoice checkout page, the client can choose to pay via bank transfer instead of card. The GoHighLevel interface then guides the client through a simple authorization flow. Depending on your payment processor’s configuration, your client may need to:

• Provide bank account details (IBAN or similar SEPA information).
• Agree to the SEPA direct debit mandate or equivalent bank authorization.
• Confirm the amount and payment date.

After authorization, the payment request is initiated through the banking network.

Step 3: Processing Time and Status in GoHighLevel

Unlike card payments, SEPA ACH bank transfers are not instant. The funds move through the banking system and can take several business days to clear. During this time, GoHighLevel reflects an intermediate status for the invoice.

Typical statuses you may see in the GoHighLevel invoices area include:

• Pending – The bank transfer has been initiated but not yet settled.
• Completed/Paid – The funds have cleared and the invoice is fully paid.
• Failed – The transfer was declined, reversed, or could not be completed.

The exact labels and timing can vary by payment processor, but GoHighLevel syncs status updates so that you always see the current state of each invoice.

Managing Bank-Only Invoice Payments in GoHighLevel

Once clients begin using bank-only transfers, you will manage and track them from the same billing area you use for other payment methods in GoHighLevel.

Viewing Invoice Status

Inside the sub-account, navigate to the invoices section. For each invoice paid via SEPA ACH or similar methods, you can:

• See the current payment status (pending, paid, failed).
• Open the invoice details to review line items and client information.
• Confirm which payment method the client used.

This unified view makes it easy to manage invoices regardless of whether clients paid by card or bank transfer.

Handling Pending Bank Transfers

Because SEPA ACH transfers can take time, you may need to manage client expectations and internal workflows. Common actions within GoHighLevel include:

• Monitoring pending invoices and following up if they remain pending longer than expected.
• Sending reminders or updated invoices if a transfer fails.
• Tagging or segmenting clients based on payment method for reporting or automation.

Use GoHighLevel automation tools to send status notifications or reminders when an invoice remains unpaid or becomes overdue.

Failed or Rejected Transfers

If a bank transfer fails, GoHighLevel will show the failed status once the processor returns that information. After a failure you can:

• Contact the client to confirm bank details or available funds.
• Resend the invoice link and allow the client to attempt payment again.
• Offer an alternative payment method such as a card if necessary.

All such actions are performed in the same invoice area, so you maintain a clear record of payment attempts.

Client Experience with GoHighLevel Bank Transfers

Your clients see a streamlined process on the invoice payment page. When bank-only transfers are enabled in GoHighLevel, the experience typically looks like this:

1. Client opens the invoice link.
2. Client selects bank transfer (SEPA ACH) as the payment method.
3. Client enters or confirms bank details.
4. Client authorizes the transfer and accepts any mandate terms.
5. Client sees a confirmation screen that the payment is being processed.

You can reassure clients that this method is secure and that processing times are normal for bank transfers in their region.

Best Practices for Using GoHighLevel Bank-Only Transfers

To make the most of SEPA ACH invoice payments inside GoHighLevel, consider these practical tips:

• Set clear expectations – Let clients know that bank transfers may take several business days to fully clear.
• Use reminders – Automate reminder emails or SMS messages for pending or overdue invoices.
• Test the flow – Run a small test invoice with your own details to understand exactly what clients see.
• Document policies – Add payment terms and timelines to your contracts and invoices.

These practices help reduce confusion and keep your cash flow predictable while leveraging GoHighLevel for non-card payments.

Where to Learn More About GoHighLevel Bank Transfers

For the official, most up-to-date technical details on bank-only transfers for invoice payments (SEPA ACH), see the original documentation on the GoHighLevel help center: Bank-only transfers for invoice payments (SEPA ACH).

If you want broader strategy support around funnel building, automation, and scaling your agency on GoHighLevel, you can also explore expert consulting resources such as Consultevo, which focuses on optimizing CRM and marketing operations.

Summary: Using GoHighLevel for SEPA ACH Invoices

Bank-only transfers for invoices in GoHighLevel provide a flexible way for clients to pay via SEPA ACH and similar bank methods. By connecting a compatible payment processor, enabling SEPA transfers, and managing invoice statuses in your sub-accounts, you gain a secure, low-friction way to accept non-card payments directly inside your existing workflows.

Follow the steps outlined above, keep clients informed about processing times, and use GoHighLevel automation features to support reminders and updates. With the right setup, bank-only invoice transfers can become a reliable part of your billing system.

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