I am completely new to Zoho invoicing, so bare with me.  I own a small outdoor advertising business and I like the idea of using a service like Zoho to help with invoicing and payment.  I am interested in allowing my customers to pay via ecommerce (Paypal, etc.).  However, I really don't want to give up 2.9% in credit card fees.  Is it possible to ONLY allow customers to pay via bank to bank deposit and NOT with credit cards?