With GoCardless, your customer can pay the invoices online. You'll also have a direct debit option. You can use this link for more information: GoCardless Welcome Guide.
To set up a annual invoice, I can think creating a recurring invoice template. Here's how to do it:
Click the Gear icon in the upper-right corner and select Recurring Transactions.
In the Recurring Transactions page, click the New button.
Select Invoice as the Transaction Type and click OK.
Enter the Template name and select Scheduled in the Type field. You can also enter the days when to create the invoice in advance.
Enter the customer name and the email address.
Select Automatically send emails under Options and mark the Online payments options.
Select Monthly in the Interval field and enter when it will occur.
Enter the Start date. It should be a future date.
Select After in the End field and enter 12 occurrences.
Enter the invoice details. The amounts should be in a monthly basis.