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?