For consultants
Professional invoicing for independent consultants
Send clean, on-brand invoices for retainers, project phases, and advisory hours — then collect by bank transfer so a five-figure invoice doesn't cost you a card fee. No subscription, ever.
$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 consultants 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 consultants actually get paid.
The problem
Where billing gets painful for consultants
You didn't start working for yourself to spend evenings chasing payments and feeding a subscription. Here's what trips up most consultants — and how PayNugget quietly takes each one off your plate.
On a $5,000 retainer, a 2.9% card fee is $145 gone.
Encourage ACH bank payments and the fee on a large invoice stays flat and low instead of scaling with the amount. Cards remain an option for clients who insist.
Retainer clients need the same invoice on the same day every month.
Set up a recurring invoice once and PayNugget sends it automatically each cycle — no diary reminders, no missed months.
Enterprise clients ask for a quote before they sign anything.
Send a polished estimate, get approval, and convert it straight into an invoice when the engagement begins — no re-typing scope or numbers.
You don't want your client list trapped inside someone else's software.
PayNugget gives you one-click export of contacts and invoice history. Your book of business is yours to keep and move.
How PayNugget helps
Built for the way consultants get paid
Flat-fee ACH on big invoices
Collect large retainers and project fees by bank transfer instead of paying a percentage to card networks.
Recurring retainers
Automate monthly retainer billing so revenue arrives on schedule without manual sends.
Estimates that convert
Turn an approved quote into an invoice in one click — ideal for scoped engagements.
$0 to run
No monthly software cost between projects. You only pay when a client pays you.
The fee math
Keep more of every invoice you send to consultants
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
Consultants: frequently asked questions
- Why does ACH matter so much for consultants?
- Consulting invoices are often large. A flat low-cost ACH bank payment can save you well over a hundred dollars on a single five-figure invoice compared with a card fee that scales with the total.
- Can I automate a monthly retainer?
- Yes. Create a recurring invoice once and PayNugget issues it on your chosen schedule, so each retainer cycle bills itself.
- Can I send a quote before the work starts?
- Yes. Send a professional estimate for approval, then convert it into an invoice with one click when the engagement kicks off.
- Is there a contract or monthly fee?
- No contract and no monthly subscription. PayNugget is free to use; you pay only a small processing fee when you actually get paid.
Keep exploring
Where to go next
More ways consultants get the most out of PayNugget.
Start invoicing free as a consultant
No subscription, low-cost ACH, and you keep your data.