For small businesses
Invoicing software for small businesses
Run billing without a monthly bill. Send professional invoices, automate recurring revenue, collect by low-cost bank transfer, and reach a real person when you need help — the honest alternative to invoicing apps that went 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 small businesses 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 small businesses actually get paid.
The problem
Where billing gets painful for small businesses
You didn't start working for yourself to spend evenings chasing payments and feeding a subscription. Here's what trips up most small businesses — and how PayNugget quietly takes each one off your plate.
Your free invoicing tool started charging a monthly subscription.
PayNugget stays free to invoice and get paid — $0/month. You pay only a small processing fee when a customer actually pays you.
Card processing fees scale with every sale and erode margin.
Offer ACH bank payments and keep the fee low and flat — roughly $4 instead of ~$29 on a $1,000 invoice. Cards stay available when a customer prefers them.
Recurring customers mean repetitive manual invoicing.
Automate recurring invoices so subscriptions, retainers, and repeat orders bill themselves on schedule.
When something breaks, you can't reach anyone.
Get real human support — email a person who can actually help, which most free tools simply don't offer.
How PayNugget helps
Built for the way small businesses get paid
$0 subscription
No monthly fee to invoice and get paid — only a small fee when you're paid.
ACH or card
Let customers pay by low-cost bank transfer or card on every invoice.
Recurring billing
Automate repeat invoices so recurring revenue arrives on schedule.
Real human support
Reach a person, not a chatbot loop — Wave's biggest weak point.
The fee math
Keep more of every invoice you send to small businesses
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
Small businesses: frequently asked questions
- How is PayNugget free for small businesses?
- There's no monthly subscription to create invoices and get paid. You only pay a small processing fee when a customer pays you, and ACH bank payments are the lowest-cost option.
- Can I automate recurring billing?
- Yes. Set up recurring invoices for subscriptions, retainers, or repeat orders and they're issued automatically on your schedule.
- Is there real support if I get stuck?
- Yes. You can reach a real person by email — responsive human support is something most free invoicing tools don't provide.
- Can I move my data if I ever leave?
- Yes. One-click export gives you your full customer and invoice history. There's no lock-in — your data is always yours.
Keep exploring
Where to go next
More ways small businesses get the most out of PayNugget.
Start invoicing free as a small businesse
No subscription, low-cost ACH, and you keep your data.