Give every invoice one clear way to be paid
Wonderful's new guide compares manual bank transfer, Pay by Bank links, card payment links and Direct Debit for UK invoices. It sets out the trade-offs across customer effort, fees, payment status and reconciliation.
Use it to choose a default route for each type of invoice. Keep one reference from invoice to payment record and accounting entry, then document the evidence your team needs before marking the balance as paid.
Start with your highest-volume invoice type. Give it one default payment route, one reference rule and one clear point at which staff close the balance.
Monzo's backup bank runs just 18 systems
Monzo says its primary platform contains around 3,000 services. Stand-in uses 18, built with different code on a different cloud provider, to keep selected banking and payment functions available during a major incident.
Write your stand-in payment plan
Pick one busy or high-value payment scenario. Assume the terminal, broadband or banking app is unavailable for 30 minutes. Write down the essentials: accept payment, confirm its status and leave a record.
Use a second route with a genuinely different failure path. Check its provider, device, connection, login and source of payment confirmation. Give staff a short customer explanation and a temporary record that accounts can reconcile later.
Run a low-risk test while business is calm. Record what failed, simplify the switch and test it again. Keep the plan beside the till, in the office or wherever payments are handled.