For bookkeepers
Invoicing for bookkeepers and accountants
You keep everyone else's books — your own billing should be effortless. Automate monthly retainer invoices, collect by low-cost bank transfer, and keep clean, exportable records that match your standards.
$0/month · low-cost ACH · you own your data
Invoice #1042
$1,000
- Paid by
- Bank transfer (ACH)
- Processing fee
- $4
- You keep
- $996
The best invoicing software for bookkeepers is one that keeps your overhead low and gets you paid quickly: PayNugget has a $0/month subscription, low-cost ACH bank payments (cards too), and one-click data export, so you pay only when bookkeepers actually get paid.
The problem
Where billing gets painful for bookkeepers
You didn't start working for yourself to spend evenings chasing payments and feeding a subscription. Here's what trips up most bookkeepers — and how PayNugget quietly takes each one off your plate.
You bill the same monthly retainers and hate re-sending invoices.
Set up each retainer as a recurring invoice once and PayNugget issues it automatically every month.
Card fees on client payments are an avoidable cost.
Collect retainers by ACH bank transfer and keep the fee low and flat — a cleaner cost line than percentage card fees.
You need tidy, exportable records for your own books.
PayNugget gives you one-click export of invoices and payment history, so your own records reconcile as cleanly as your clients'.
You don't want to be locked into yet another SaaS vendor.
Your data is yours — export everything anytime. No lock-in, no hostage records.
How PayNugget helps
Built for the way bookkeepers get paid
Automated retainers
Recurring invoices issue each month so your billing matches your clients' close cycle.
Clean ACH collection
Low, flat bank-transfer cost keeps your expense line simple and predictable.
Exportable records
One-click export keeps your own books reconciled without manual data entry.
$0 subscription
No monthly software fee — you pay only when a client pays you.
The fee math
Keep more of every invoice you send to bookkeepers
On a $1,000 invoice an ACH bank transfer costs about $4 — the same invoice on a card runs roughly $29, every time. Lead with bank payments and the math changes.
Fees on a $1,000 invoice
Lead with bank payments and keep more of every invoice.
~25× cheaper!- Monthly subscription
- $0
- ACH fee on a $1,000 invoice
- ~$4
- Export your data anytime
- 1-click
- Human support
- Real
Relevant features
The features that matter most
Bookkeepers: frequently asked questions
- Can I automate monthly client retainers?
- Yes. Set each retainer up as a recurring invoice and PayNugget issues it automatically every month.
- Can I export records for my own books?
- Yes. One-click export gives you your full invoice and payment history in a portable format, so your own records reconcile cleanly.
- Why use ACH for client payments?
- ACH bank payments cost a flat, low fee instead of a percentage, which keeps your processing expense predictable and lower than card fees.
- Is there a subscription?
- No. PayNugget has no monthly fee. You invoice for free and pay only a small processing fee when a client pays you.
Keep exploring
Where to go next
More ways bookkeepers get the most out of PayNugget.
Start invoicing free as a bookkeeper
No subscription, low-cost ACH, and you keep your data.