Default screen
Require selection of either debit card or credit card prior to entering information. The screen defaults to debit card and the user's first inclination is to fill in the blanks while not noticing the small debit/credit card tabs above. Then, nothing happens if CC info is put into the DC blanks--it should give some kind of error message. But, requiring a selection of card type first would eliminate this need.
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casper
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There should be a way to choose the default screen: https://whitescreentest.net/ those extra clicks add up when sending lots of invoices. Right now it feels like the payment portal screen is forced instead of fitting different workflows.