Not show the ghosted out payment methods, when you click on an invoice link from an e-mail.
I got an invoice from a service provider. I clicked on the link to see the invoice balance, and under the payment button it shows visa, discover, AMEX, ACH, etc. I was all like, "oh that makes this invoice easy to pay, I have a new 0% card coming next week, I'll use that when it gets here".
Come to my surprise when I go to actually pay the invoice that it doesn't take cards, and when I roll over the "VISA" picture it says "The business is accepting the highlighted payment methods". Of course the "ACH" is just THIN letters, with no background, so it looks very similar to the ghosted out card logos. There is no contrast.
I feel that this is a VERY misleading practice. I recommend that you do NOT show the card logos at all if the business is not taking them.
In fact, I think that showing the cards in this way may be a violation of the Visa mark, and I will be contacting them.