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JohnTranter
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I only use direct deposit and my invoices range from $200 to over $15k.

I use Harvest ( https://www.getharvest.com/ ) to generate invoices. Jobs over $1,000 require a 30% deposit upfront and remainder is due on delivery. Some larger jobs also have milestone payments due at stages of the project.

Make sure you use a contract for new clients as it lays out what you will and will not be doing. I’d suggest looking at some open source ones such as ‘The Contract Killer” http://stuffandnonsense.co.uk/projects/contract-killer/