You can make voltage divider to 4v - 5v for each input and to drive it with FET transistors like 2n7000 with pull-up resistor connected to the board logic supply
Its only 6 resistors no jumpers needed
Take care for the 125v input resistors maximum voltage rating and power
I didn't understand the "no jumper needed" part. Maybe I was not so clear, there will be only one physical input conector which can receive a 125, 48 or 24 Vdc (not at the same time obvioulsy).
I'm also considering to use an opto before the microcontroller. Will I still need the FET you suggested?
If you use a Zenner diode to avoid over-voltage, take care with resistor value, due the behaviour of this type of diode is non-linear under nominal secified courrent.