When you send an invoice with a file attached, your client will see a link to download the attachment in the invoice email message. If you send your client a link to view the Web Invoice in Harvest, they'll see the link there, too.
Along with the payment terms, you can specify whether you charge a late fee for invoices paid past their due dates. Some freelancers like this option, to enforce getting paid on time. You may also want to include your tax ID number in this area for tax purposes.