Is my customer required to have an ipaymy account to pay an invoice issued from Xero?

Your customer does not need to have an ipaymy account to pay an invoice issued by your business from Xero. Your customer will receive an e-mail with a link to the invoice. In the invoice there will be an option for your customer to pay by credit card. Your customer will be taken to a secure checkout page where they can enter their credit card details to make the payment.