Nationwide Payment Systems

Smart Invoicing Features: Split Payments, Discounts & Scheduled Notifications

Everything You Need to Know About the NPS One Payment Platform 

Discover how Nationwide Payment Systems' Smart Invoicing platform helps merchants get paid faster with Split Payments, Invoice Discounts, and Scheduled Payment Notifications. Built for B2B, service businesses, and nonprofits

Presented by Allen Kopelman, CEO — Nationwide Payment Systems-Host of B2B Vault: The Biz2Biz Podcast 

AI OVERVIEW

Split Payments, Discounts, and Scheduled Payment Notifications each address a distinct pressure point in the payment and invoicing process. Together, they give merchants a more professional, flexible, and customer-friendly way to get paid — without adding complexity to daily operations.

Getting paid shouldn't be complicated. Yet for many businesses — especially those handling large projects, recurring clients, or high-value transactions — the invoicing process creates friction on both sides. Customers feel surprised by charges. Merchants chase down late payments. Cash flow suffers. Relationships get strained.

The Smart Invoicing platform from Nationwide Payment Systems was built to eliminate those friction points. Three features in particular stand out for the flexibility they give merchants and the experience they create for customers: Split Payments, Discounts on Invoices, and Scheduled Payment Notifications. Here's how each one works — and why it matters.

Split Payments

Large invoices can create hesitation — even from customers who fully intend to pay. When the total feels daunting, payment gets delayed. Split Payments removes that barrier by letting merchants structure a single invoice into multiple installments, each with its own amount and due date, all organized cleanly in one place.

feature-list

• Flexible payment plans - Set up multiple installments in one step, without creating separate invoices for each stage.
• Custom terms -  Control amounts and due dates to fit your cash flow requirements and your customer's budget.
• Deposits upfront - Secure commitment on high-value transactions before work begins, protecting your schedule and your resources.
• Seamless processing -Send payment requests manually or auto-charge with Payment-on-File for a fully hands-off experience after setup.

In Practice — Custom Pool Builder

"We build custom pools, so most of our projects are large and done in phases. Getting a deposit upfront is huge for us. It secures the customer's spot on our schedule and gives us confidence to get started. From there, we break the project into progress payments tied to each stage. If anything changes along the way, we can easily adjust the amounts or timing without starting over. Everything stays organized on one invoice. Our customers love that they can see the full project in one place, and all their receipts are automatically tied to it. It keeps things clean, clear, and avoids a lot of back-and-forth."

Split Payments is particularly powerful for contractors, construction firms, creative agencies, event planners, and any business where projects unfold over time. Instead of issuing and tracking multiple separate invoices, everything lives in one record — with automatic receipts generated at each stage and the full payment history visible to both merchant and customer at any time.

Discounts on Invoices

Use discounts strategically to drive faster decisions and repeat business

A well-placed discount does more than reduce a price — it communicates value, builds trust, and motivates action. Smart Invoicing makes it easy to apply discounts directly on an invoice, where they're visible to the customer and clearly reflected in the total.

• Encourage faster payments— Offer a small discount for early payment and motivate customers to act before the due date rather than after it.
• Reward loyalty — Give returning customers a tangible reason to keep coming back with pricing that reflects the relationship.
• Clear and transparent — Discounts appear directly on the invoice, so customers see exactly what they're saving. Transparency builds trust and reduces billing disputes.

Whether applied as a flat dollar amount or a percentage of the invoice total, discounts in Smart Invoicing are straightforward to configure and professional in presentation. They're a simple tool with real business impact — shorter payment cycles, stronger client retention, and a better overall impression of how you do business.

Scheduled Payment Notifications

Payments: Every Way to Get Paid

Keep customers informed and reduce missed or delayed payments

Most late payments aren't intentional — they're the result of customers who forgot, weren't sure when the charge was coming, or were caught off guard. Scheduled Payment Notifications solve all three of those problems by keeping customers informed ahead of every charge, in your brand voice, before anything is due.

• Proactive reminders — Notify customers ahead of upcoming charges so nothing comes as a surprise. Set the timing that works best for your billing cycle.
• Branded communication— Every notification goes out under your business name and branding, reinforcing professionalism and building recognition with every touchpoint.
• Works across payment types — Compatible with stored credit and debit cards and ACH bank account payments, so your entire customer base stays covered regardless of how they pay.

In Practice — B2B Marketing Agency

"We're a B2B marketing company, so we invoice all of our clients on the 1st of each month with payments set to process on the 15th. That gap is really important for us — it gives clients time to review their invoice and request any changes before anything is charged. Having reminders leading up to the due date has been huge. Our clients get a heads-up before the payment runs, which cuts down on surprises and gives them time to flag anything in advance. It's helped us avoid refunds, keep communication clear, and make the whole process feel more professional on both sides."

For subscription-based businesses, retainer clients, and anyone who charges on a recurring schedule, Scheduled Payment Notifications are not a nice-to-have — they're a professional standard. Customers who know when to expect a charge are far less likely to dispute it, request a refund, or file a chargeback. That protects your revenue, your merchant account standing, and your client relationships simultaneously.