## Documentation Index

Access the complete documentation index at:
https://www.zoho.com/books/kb/llms.txt

Use this file to discover all available documentation pages before proceeding.

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# How do I charge my customer’s card or bank account?

Zoho Books lets you charge your customers manually or automatically using [saved cards or bank accounts](http://www.zoho.com/books/kb/payments/card-on-file.html).

**Prerequisite:** [Associate a payment gateway](https://www.zoho.com/in/books/kb/payments/online-payment.html) to the invoice to charge your customer.

## Manual Charge

You can manually charge your customers for one-time payments in Zoho Books.

To charge manually:

*   Go to the invoice that you want to charge.
    
*   Click the **Record Payment** dropdown and select **Charge Customer**.
    
    ![manual-charge](/books/kb/images/payments/manual-charge.png)  
    
*   Choose the customer’s card or bank account to charge them.
    

**Note:** If you have not saved your customer’s card or bank account details, you can [request payment information](http://www.zoho.com/books/kb/payments/card-on-file.html#request-payment-information) (recommended) or add them while charging.

*   Click **Proceed**.

Your customer will be charged for their invoice.

* * *

## Auto Charge

You can auto charge your customers when you associate a card or bank account to your customer’s recurring invoice.

**Note:** Your customers can [save their cards in the customer portal](https://www.zoho.com/in/books/kb/portal/save-card-details.html#:~:text=Add%20a%20New%20Card,-Log%20in%20to&text=the%20left%20sidebar.-,Click%20Pay%20Now%20next%20to%20the%20invoice%20for%20which%20the,payments%20option%20and%20click%20Proceed.) by checking the **Save card securely for future payments** option.

To associate and auto charge a card:

*   Go to the recurring invoice you want to associate with a card or bank account.
    
*   Click the **Associate Payment Options** dropdown and select **Associate Card or Associate Bank Account**.
    
    ![Associate-Card](/books/kb/images/payments/associate-card.png)  
    
*   Verify the details of your saved card or bank account and click **Associate Card** or **Associate Bank Account** in the pop-up that follows.
    

**Insight:** If there’s no saved card or bank account, you can enter the details and click **Associate Card** or **Associate Bank Account**.

Your customer’s card will be automatically charged when their invoice is due.

**Note:** Only Authorize.Net, GoCardless, Stripe, CSG Forte, and Square support auto charge.