Yes. You can create and send invoices without activating payments or connecting a bank account. Your client sees the invoice but no Pay now button, so you collect the money yourself and log it on the invoice.
Available on the Flex, Pro, Scale, and Business plans. Anyone who can create invoices can send them, even before payments are active. Works on desktop and in the mobile app.
What your client sees without online payments
Without active payments, your client sees a normal invoice with line items and totals. The Pay now button does not appear. Your client pays you by check, cash, or another method outside Handoff.
On an invoice you have not set up for online payments, Handoff may show a prompt such as Connect bank account or Connect bank. You can ignore it and send the invoice anyway.
Log a payment you collected yourself
Open the invoice and select Log manual payment to record cash, a check, or another method; a partial payment leaves the rest open. See How to log a payment and track invoice status.
Accept card and ACH payments later
To let clients pay online, activate payments from Settings > Finance & payments. Online payments need an active, paid plan, and the person activating them needs permission to edit company settings. Invoices you already sent do not change on their own, but your client can use the Pay now button once payments are active.
Some invoices still show no Pay now after you activate payments, such as invoices imported from QuickBooks. See Client can't open or pay an invoice: how to fix it.