What is a recurring invoice?

A recurring invoice is one that goes out automatically on a schedule you set — weekly, monthly, quarterly, or yearly. It's ideal for retainers, memberships, and subscriptions where you bill the same client the same amount on a regular cadence, so you never have to remember to send it manually.

How do I set up recurring billing?

Create a schedule with the client, the line items, and how often it should send. PayNugget generates and sends each invoice on its due date with a built-in pay link, so the client can pay by bank (ACH) or card every cycle. You set it once and the billing runs on its own.

Can clients pay recurring invoices automatically?

Each recurring invoice arrives with a secure 'Pay now' link, so clients pay in a couple of clicks every cycle. Because you can lead with low-cost ACH, recurring billing keeps your fees tiny compared with running every payment on a card.

Can I pause, edit, or cancel a recurring schedule?

Yes. You stay in control: pause a schedule when a client takes a break, update the amount or line items when scope changes, or cancel it entirely. Changes apply to future invoices, and past invoices stay on record.

Why is ACH especially good for recurring billing?

Recurring billing repeats — so fees repeat too. Paying about $4 by ACH instead of around $29 by card on a $1,000 monthly retainer saves roughly $300 a year on that one client. Across several retainers, leading with ACH on recurring invoices adds up fast.

Is recurring invoicing free?

Setting up and sending recurring invoices is part of PayNugget with a $0 subscription. You only pay the small per-transaction fee when a client pays. Recurring automation is one of the power features many businesses rely on without paying a monthly bill to use it.

Recurring invoices

Automate retainers and subscriptions

Set a billing schedule once and PayNugget sends each invoice on time, every cycle — with a built-in pay link. Lead with low-cost ACH and keep your recurring fees tiny.

Start free Why ACH for recurring

Set it once · weekly to yearly · pause or edit anytime

Monthly retainer

Active

Amount each cycle$1,000.00

FrequencyEvery month

Pay methodACH · ~$4/cycle

May 1Paid

Jun 1Paid

Jul 1Scheduled

runs on its own

A recurring invoice goes out automatically on a schedule you set — weekly, monthly, quarterly, or yearly — so you never re-send the same bill by hand. It’s built for retainers, memberships, and subscriptions: set the client, line items, and frequency once, and PayNugget leads with low-cost ACH on every cycle to keep your repeating fees tiny.

The numbers

Set it once, then let the fees stay small

If you bill the same client on a regular cadence, manual invoicing is wasted effort — and a risk to your cash flow when you forget.

Sends on schedule: Auto
Monthly subscription: $0
Saved per $1k retainer via ACH: ~$300/yr
Pause, edit, or cancel: Anytime

Why automate

Why automate the invoice you send every month?

Repeating billing should repeat itself. Three reasons to set it once and walk away.

Set it and forget it

Define the client, line items, and frequency once. PayNugget sends each invoice automatically so billing never slips — no reminder to set, nothing to remember.

Cheap on every cycle

Lead with ACH so each recurring payment costs about $4, not $29 by card — the savings compound month after month, across every retainer client.

See the ACH math

Predictable cash flow

Invoices arrive on the same day each cycle, so clients expect them and you get paid on a reliable rhythm you can plan around.

How it works

Recurring billing in three steps

Create a schedule

Pick the client, add the line items and amount, and choose how often it sends — weekly, monthly, quarterly, or yearly.

PayNugget sends it

On each due date, an invoice goes out automatically with a 'Pay now' link. No reminders to set, nothing to remember.

Get paid every cycle

Clients pay by bank or card. Each invoice is tracked, marked paid, and rolled into your reports automatically.

Built for retainers

The fees that repeat should be the smallest

Recurring revenue is the best kind — until card fees quietly eat into it every single month. A 2.9% card fee on a $1,000 retainer is about $29 each cycle, or roughly $348 a year. Paid by ACH, that same retainer costs around $48 a year in fees.

Because PayNugget leads with low-cost ACH on every invoice — including recurring ones — you keep the savings on autopilot. Set the schedule, let it run, and watch the difference add up across all your retainer clients.

Yearly fees on a $1,000/mo retainer

Paid by ACH~$48/yr

Paid by card~$348/yr

Keep ~$300/year per retainer with ACH

every cycle adds up!

Recurring billing fits these models

sound like you? →

Monthly retainers
Agencies and consultants billing a fixed monthly fee for ongoing work.
Memberships
Coaches, gyms, and clubs collecting dues on a regular schedule.
Subscriptions
Productized services and SaaS-style offers with recurring billing.
Maintenance plans
Web developers and trades billing recurring upkeep or support.

Related features

Works with the rest of PayNugget

Online invoicingCreate, send, and track branded invoices in minutes.Learn more ACH bank paymentsLow-cost bank transfers — pennies on a $1,000 invoice.Learn more Accept paymentsLet clients pay by bank transfer or card from the invoice.Learn more Reports & AR agingSee revenue, who owes you, and what's overdue.Learn more Own your dataOne-click export, no lock-in. Your data is always yours.Learn more

Keep exploring

Made for youRecurring billing for coachesCollect memberships and package fees on a schedule, without chasing each cycle.Read more ComparePayNugget vs QuickBooksRecurring invoicing and subscriptions, side by side — minus the monthly bill.Read more From the blogAutomate recurring billingHow service businesses put retainer billing on autopilot and keep fees small.Read more

Recurring invoices: frequently asked questions

What is a recurring invoice?: A recurring invoice is one that goes out automatically on a schedule you set — weekly, monthly, quarterly, or yearly. It's ideal for retainers, memberships, and subscriptions where you bill the same client the same amount on a regular cadence, so you never have to remember to send it manually.
How do I set up recurring billing?: Create a schedule with the client, the line items, and how often it should send. PayNugget generates and sends each invoice on its due date with a built-in pay link, so the client can pay by bank (ACH) or card every cycle. You set it once and the billing runs on its own.
Can clients pay recurring invoices automatically?: Each recurring invoice arrives with a secure 'Pay now' link, so clients pay in a couple of clicks every cycle. Because you can lead with low-cost ACH, recurring billing keeps your fees tiny compared with running every payment on a card.
Can I pause, edit, or cancel a recurring schedule?: Yes. You stay in control: pause a schedule when a client takes a break, update the amount or line items when scope changes, or cancel it entirely. Changes apply to future invoices, and past invoices stay on record.
Why is ACH especially good for recurring billing?: Recurring billing repeats — so fees repeat too. Paying about $4 by ACH instead of around $29 by card on a $1,000 monthly retainer saves roughly $300 a year on that one client. Across several retainers, leading with ACH on recurring invoices adds up fast.
Is recurring invoicing free?: Setting up and sending recurring invoices is part of PayNugget with a $0 subscription. You only pay the small per-transaction fee when a client pays. Recurring automation is one of the power features many businesses rely on without paying a monthly bill to use it.

Put your retainer billing on autopilot

Set a schedule once, get paid by low-cost ACH every cycle, and keep your fees small. Free to start.

Start free See pricingTakes about 2 minutes.