For freelancers
Invoicing built for freelancers, not accountants
Send polished invoices in minutes, get paid by bank transfer or card, and keep every dollar you don't owe in fees. No monthly subscription — you pay only when you get paid.
$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 freelancers 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 freelancers actually get paid.
The problem
Where billing gets painful for freelancers
You didn't start working for yourself to spend evenings chasing payments and feeding a subscription. Here's what trips up most freelancers — and how PayNugget quietly takes each one off your plate.
Subscription invoicing apps charge you even in slow months.
PayNugget costs $0/month. There's no subscription to invoice and get paid — you only pay a small fee when a client actually pays you.
Card processing fees eat into every payment.
Offer ACH bank payments and pay far less than cards — roughly $4 instead of ~$29 on a $1,000 invoice. Cards are supported too when a client prefers them.
You're worried about getting locked into one tool.
Your clients, invoices, and history are yours. Export everything with one click anytime — no lock-in, no hostage data.
Support tickets disappear into a void when something breaks.
Reach a real human when you need help. Responsive support is something most free tools simply don't offer.
How PayNugget helps
Built for the way freelancers get paid
$0 subscription
Keep your overhead at zero. Invoice unlimited clients without a monthly bill.
Get paid by ACH or card
Let clients pay by low-cost bank transfer or by card — your choice on every invoice.
Own your data
One-click export of clients and invoices. Your business records stay yours.
Real human support
Email a person who can actually help — not a chatbot loop.
The fee math
Keep more of every invoice you send to freelancers
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
Freelancers: frequently asked questions
- Is PayNugget really free for freelancers?
- Yes. There is no monthly subscription to create invoices and get paid. You only pay a small processing fee when a client pays you, and ACH bank payments cost far less than card payments.
- How do my clients pay me?
- Clients can pay each invoice by ACH bank transfer (lowest cost) or by debit/credit card. You choose which options to offer on every invoice.
- Can I export my invoices and client list?
- Yes. You can export your clients and invoice history with one click at any time. Your data is never locked in.
- Do I need to be a US business?
- PayNugget is US-only for now. You'll need a US bank account to receive payments.
Keep exploring
Where to go next
More ways freelancers get the most out of PayNugget.
Start invoicing free as a freelancer
No subscription, low-cost ACH, and you keep your data.