For independent contractors
Simple invoicing for independent contractors
Whether you bill by the hour, the day, or the job, send a clean invoice and get paid without handing a cut to expensive software. $0 subscription — you only pay when you're 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 independent contractors 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 independent contractors actually get paid.
The problem
Where billing gets painful for independent contractors
You didn't start working for yourself to spend evenings chasing payments and feeding a subscription. Here's what trips up most independent contractors — and how PayNugget quietly takes each one off your plate.
You juggle several clients and lose track of who has actually paid.
Every invoice shows a clear status — sent, viewed, or paid — so you always know who still owes you and can nudge without the awkward guesswork.
Free tools quietly turned into a monthly bill.
PayNugget has no subscription. You can invoice unlimited clients for $0/month and pay only a small fee when a payment comes in.
Card fees shrink already-tight margins on each job.
Offer ACH bank payments and keep the fee low — about $4 instead of ~$29 on a $1,000 invoice — so more of what you earn stays with you.
Come tax time, you need clean records fast.
Export your full invoice and payment history with one click for your accountant or 1099 prep. No screenshots, no copy-paste.
How PayNugget helps
Built for the way independent contractors get paid
Clear paid/unpaid status
See at a glance which invoices are outstanding across every client.
Low-cost ACH
Collect by bank transfer and keep more of each payment than card fees allow.
$0 subscription
No monthly cost to send invoices and get paid — ideal for variable contract income.
Tax-ready export
One-click export of your payment history for clean year-end records.
The fee math
Keep more of every invoice you send to independent contractors
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
Independent contractors: frequently asked questions
- Is PayNugget good for 1099 contractors?
- Yes. It's built for independent earners who bill multiple clients. There's no subscription, payments are low-cost via ACH, and you can export everything you need at tax time.
- Can I see which clients haven't paid yet?
- Yes. Each invoice shows whether it's been sent, viewed, or paid, so you always know who still owes you.
- Will I have records for my taxes?
- Yes. You can export your complete invoice and payment history with one click to share with an accountant or use for 1099 reporting.
- What does it cost?
- Sending invoices is free with no monthly fee. You only pay a small processing fee when a client pays you, and ACH bank payments are the cheapest option.
Keep exploring
Where to go next
More ways independent contractors get the most out of PayNugget.
Start invoicing free as a independent contractor
No subscription, low-cost ACH, and you keep your data.