Accept payments
Get paid online — by bank or card
Add a 'Pay now' link to every invoice and let clients pay the way they prefer. Lead with low-cost ACH to keep more of each payment, and offer card when speed matters.
No monthly fee · pay only when you get paid · secure pay page
Invoice #1042
$1,000.00 due
Choose how to pay
Clients pay a PayNugget invoice online through a secure ‘Pay now’ link that offers low-cost ACH bank transfer or card. There is no monthly subscription — you pay only a small per-transaction fee when you get paid, and each invoice is marked paid automatically once the payment clears.
The numbers
One pay page, no friction, no monthly bill
Some clients want the cheapest route; others want instant. PayNugget puts both on the same secure pay page so you never lose a payment to friction.
- Monthly subscription
- $0
- Payment methods
- ACH + card
- ACH fee on $1,000
- ~$4
- Invoice marked paid
- Auto
Two ways to pay
Lead with bank payments, keep card as a backup
On a $1,000 invoice, an ACH bank transfer costs about $4. The same invoice paid by card runs roughly $29 — every single time. PayNugget offers ACH as the default so the cheap rail is the easy one.
Card is still right there on the same checkout for anyone who wants instant. You never lose a payment to friction, and you keep more of every invoice.
Fees on a $1,000 invoice
Lead with bank payments and keep more of every invoice.
~25× cheaper!How it works
From invoice to paid in three steps
No merchant account, no monthly fee. Connect your bank once and start collecting on every invoice you send.
Connect your bank
A one-time onboarding links the account where you want money deposited. No merchant account, no monthly fee.
1Send the invoice
Your invoice goes out with a built-in 'Pay now' link. Clients open it in any browser and choose bank or card.
2Get paid automatically
The payment clears, the invoice is marked paid, and the funds land in your connected bank account.
3
Get paid faster
A pay link beats waiting on a check
The single biggest reason invoices get paid late is friction. When a client has to write a check, find a stamp, and mail it, your payment sits in limbo. A one-click ‘Pay now’ link removes every excuse — most clients pay the moment they open the invoice.
PayNugget tracks the whole lifecycle for you. The moment a payment clears, the invoice flips to paid and shows up in your reports — so you always know what's been collected and what's still outstanding.
Mailing a check
Often 1–2 weeks
PayNugget pay link
Often same daypaid!
Built in
Payments that fit how you bill
On every invoice
Each invoice carries its own pay link — no extra setup per invoice. Clients open it in any browser, no account required.
On recurring billing
Retainers and subscriptions collect automatically each cycle, leading with low-cost ACH so the fees stay tiny month after month.
See recurring billingSecure & encrypted
Sensitive card and bank details are handled by the payment processor on an encrypted page — never stored by you.
Real human support
Stuck on onboarding or a payout? A real person helps — not a bot, and not a week-long ticket queue.
Related features
Works with the rest of PayNugget
Related reading
Keep exploring
Online payments: frequently asked questions
- How does my client pay an invoice online?
- Every invoice you send includes a secure 'Pay now' link. Your client opens it in any browser — no account or app required — and chooses to pay by bank transfer (ACH) or card. The invoice is marked paid automatically and funds are deposited to your connected bank account.
- What payment methods can I accept?
- PayNugget supports low-cost ACH bank transfers and all major cards (Visa, Mastercard, American Express) plus common digital wallets. ACH is offered as the default because it's the cheapest way to get paid, but your client can choose card for speed.
- What does it cost to accept payments?
- There's no monthly subscription to accept payments — you pay only when you actually get paid. ACH costs roughly $4 on a $1,000 invoice; card payments run about 2.9% + 30¢, the standard network rate. We don't claim to beat the card rate; we save you money by making ACH the easy default.
- How fast do I get my money?
- Card payments are typically instant; ACH bank transfers usually settle within a few business days. Once a payment clears, PayNugget deposits it to the bank account you connected during onboarding.
- Do I need to set up a merchant account?
- No. Connect your bank during a quick one-time onboarding and you can start collecting payments on invoices immediately. There's no separate merchant-account application and no monthly fee to switch payments on.
- Is online payment secure for me and my clients?
- Yes. Payments are processed on a secure, encrypted page. Clients never share their bank login with you, and sensitive card and account details are handled by the payment processor — not stored by you.
Start getting paid online
Add a pay link to every invoice and let clients pay by bank or card. Free to start, pay only when you get paid.