You can create and send professional invoices directly from Lili, then get paid by bank transfer, card, or popular payment apps—without leaving your business banking experience. This article walks you through creating an invoice, sharing it with your customer, and understanding how and when you’ll see the money in your Lili account.
 

Step 1: Create a new invoice

If you have the Lili Smart or Lili Premium account plan, follow these steps to create an invoice from the Lili platform (Web or Mobile App).

• Log into Lili and go to Main Menu > Invoicing > Create a New Invoice.
• Choose Add New Client to add a new business or contact, or select an existing client from your client list.
• Set the "Issue date" and the "Due date"
• Enter the billable items or services you’re charging for, including description, quantity, and amount.
• Add any sales tax or discounts if needed.
• Set payment reminders.

To save time, you can set up reusable clients and item lists from the Invoicing settings, then pull them into any new invoice in just a few clicks. This is especially helpful for established companies that work with the same customers or offer standard service packages.

Step 2: Choose how customers can pay you

After you’ve added your line items and terms, choose how you’d like your customer to pay you.

You can accept payments in several ways:

• Bank transfer (ACH / Direct Deposit) – Share your ACH routing and account number so your customer can send funds directly to your Lili account.
• Wire transfer – Provide your wire routing number and account number for domestic wires, or your SWIFT code and account number for international wires.
• Checks – Your customer can mail you a check, which you can deposit into Lili using mobile check deposit.
• Payment platforms – You can receive money via PayPal, Cash App, Venmo, and similar apps by sharing those payment details from Lili.

When you’re creating an invoice, you can turn individual payment options on or off so they only appear when you need them. This lets you hide specific bank details or payment methods on certain invoices while keeping your default preferences for future ones.

If you’ve connected payment processors or apps in your Invoicing settings, they’ll be available as options when you build an invoice, and you can’t remove those integrations on a single invoice. To disconnect an integration for all future invoices, update it directly in your Invoicing settings

Step 3: Review and send your invoice

Before sending:

• Review your client details, items, tax or discounts, payment terms, and how you want to be paid.
• Confirm everything looks correct in the invoice preview.

Then share the invoice with your customer:

• On web, you can send the invoice by email or download it and share through other business channels your team uses (such as your CRM or accounting tools).
• On mobile, use the Send or Share options. Send via email opens your installed email app with the client’s email already in the “To” field. Share opens your device’s native sharing options so you can send a link or PDF via text, messaging apps, or other tools.

For the fastest payment experience and easier tracking, we recommend sending invoices by email with a link or “Pay Now” option, rather than only sharing a static PDF. PDFs are useful for record keeping, but may not always include interactive payment buttons depending on how your customer opens them.

Step 4: Track and reconcile payments

Once your invoice is sent, your customer will pay using the method you selected and shared on the invoice.

• ACH / Direct Deposit and wire transfers: After the payer initiates the transfer from their bank, funds will arrive in your Lili account according to their bank’s processing times and the transfer type.
• Checks: When you receive a check and deposit it using Lili’s Mobile Check Deposit, standard check hold times apply before the funds are fully available.
• Payment platforms (PayPal, Cash App, Venmo, etc.): Payments first land in those apps and can then be moved into Lili using ACH, wire, or other supported methods.

In these cases, Lili does not automatically update the invoice status. You (or your team) will need to manually mark the invoice as paid once you see the corresponding deposit in your Lili account or in your external records.

If your customer pays the invoice via Stripe (using the Pay Now option connected to Stripe), the invoice status will update automatically when Stripe confirms the payment. For all other payment methods, you’ll still reconcile the payment by:

• Matching incoming deposits or transfers to their related invoices using the payer name, amount, and payment date.
• Manually marking the invoice as paid in Lili once you’ve confirmed the funds.
• Keeping your client and item lists consistent so reporting and accounting remain straightforward for your finance team or external accountant.

Lili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks, N.A., Member FDIC. The Lili Visa® Debit Card is issued by Sunrise Banks, N.A., Member FDIC, pursuant to a license from Visa U.S.A., Inc. The Card may be used everywhere Visa debit cards are accepted. 

Wire Transfer services are provided by Column Bank N.A., Member FDIC. All wires are subject to acceptance criteria and risk-based review and may be rejected at the sole discretion of Column Bank N. A. or Lili App Inc.