Review the Credit Card Threshold
Last updated on Sep 19, 2026
Credit Card Threshold decides whether a customer can pay an e-Bill by credit card, based on the invoice amount. It is how you keep card fees off your largest invoices while still offering the card option on smaller ones.
How the threshold decides
Once you enable the threshold, you set the maximum amount at which credit card payment is allowed. An e-Bill at or below the threshold offers credit card payment, and one above it does not. With a threshold of $1,500, a $1,500 e-Bill can be paid by credit card and a $1,501 e-Bill cannot.
Where you set it
The threshold is part of each provider's own settings, so you configure it while setting up Stax, Stripe, or Maxio Payments rather than in one central place. It is available only when credit card payments are enabled for that provider, and turning credit card payments off clears both the threshold and its amount.
Important: When you enable the threshold, Maxio asks you to confirm, because any existing invoice currently set to inherit the customer default becomes subject to the threshold immediately.
How it behaves once enabled
Most of the surprises come from invoices that already exist when you change the setting.
| Consideration | Behavior |
|---|---|
| Multi-currency | The threshold and all credit card logic use the home amount of the account. If your home currency is USD and you set a threshold of $1,500, that threshold is always $1,500 USD, and each invoice is judged on its home amount. |
| Existing invoices | Any invoice set to Inherit for its credit card payment setting changes to Threshold and becomes subject to it. New invoices default to Threshold from then on. |
| Overriding the threshold on one invoice | You can. New invoices default to Threshold, and changing an individual invoice to Yes or No fixes that invoice's behavior regardless of its amount. |
| Autopay | The threshold has no effect on Autopay. A customer enrolled in Autopay with a credit card is charged on that card whatever the threshold is, because the threshold applies only to remittance customers. |
| Changing the threshold | You can adjust the threshold at any time after enabling it. Invoices that have no e-Bill yet are updated to the new threshold immediately. An invoice that already has an e-Bill is not, and its e-Bill has to be resent to pick up the change. |
| Changing an invoice amount across the threshold | For an invoice set to Threshold, changing the amount re-evaluates the credit card option against the new amount. If that invoice already has an e-Bill, the e-Bill keeps the old option until you resend it. |
Related information
To pick the provider whose settings hold this threshold, see the Choose a Payment Provider help article.
To set the threshold while connecting Stripe, see the Set Up Stripe for Payments help article.
Still need help?
Reach out and our support team will take it from here.