Ask HN: Are there any GOOD all-in-one Recurring Billing & Invoice Apps?

Are there any all-in-one Recurring Billing & Invoicing apps that offer solid recurring subscription management, with the added ability to send out invoices that ask for the customer to "Approve" or "Pay with Card on File"?

I use Recurly to manage monthly subscription services because it's fantastic for that part.

But then I use something like Freshbooks/Harvest to take care of the larger one-time costs because I want my customer to be prompted to look at the invoice and Pay.

The issue I'm constantly running into is my clients end up always saying "can you use the card on file". I was hoping to find something with the power of Recurly, but the added ability to send out an invoice that requires the client to actually click "Pay" or "Approve", which then charges the card on file.

I don't want to just add one-time charges to my Recurly invoices because that would auto-charge on the next invoice.

Thanks!