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Why Can’t My Clients Pay with a Credit or Debit Card?

Learn why your clients may be unable to pay with a credit or debit card, how Stripe account restrictions can affect available payment methods, and the steps to restore card payments.


If your clients only see ACH as a payment option—or receive a message that no payment methods are available when trying to pay with a credit or debit card—your Stripe account may require additional verification before card payments can be accepted.

🔍 Why This Happens

Credit and debit card payments are processed through Stripe. If your Stripe account is restricted or requires additional verification, card payments will be unavailable to your clients—even if you’ve selected Credit Card/Debit Card as accepted payment methods on the invoice.

In this situation, your clients may experience one of the following:

  • Only ACH is available as a payment option

  • A message appears indicating that no payment methods are available

  • Credit and debit card options do not appear during checkout

📤 How to Check if Your Stripe Account Needs Attention

  1. Log in to your Maroo Dashboard

  2. Look for a yellow banner at the top of the page

This banner appears whenever Stripe needs additional information or requires you to complete a step, such as:

  • Accepting the latest Stripe Terms of Service

  • Providing additional business or identity information

  • Completing account verification

Follow the prompts in the banner to resolve any outstanding requirements.

✅ What Happens After Verification

Once you’ve completed the required Stripe verification and your account is in good standing:

  • Credit and debit card payments can be enabled again

  • Clients will see the available card payment options during checkout (as long as you’ve enabled them on the invoice)

Note: If you sent an invoice before your Stripe account was verified, you may need to update the invoice’s payment methods or resend the invoice after your account has been re‑enabled.

⚠️ Still Having Issues?

If you’ve completed all Stripe verification steps and your clients still can’t pay with a credit or debit card, please contact Maroo Support via chat or email us at [email protected]. Be sure to include:

  • The invoice link

  • A description of the issue

  • Any error messages your client is seeing

Our team will be happy to help identify the cause and get your card payments working again.

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