PayNugget

Get paid faster

Get paid faster — without chasing every invoice

Cash flow problems are usually timing problems. Send invoices the moment work is done, make paying a two-click ACH transfer, and let automatic reminders do the chasing for you.

Start freeLate fee calculator

Online pay-now links · low-cost ACH by default · automatic reminders · clear terms

vs ~$29 on a card

Invoice #1042

$1,000

Paid
Paid by
Bank transfer (ACH)
Processing fee
$4
You keep
$996

The fastest way to get paid on an invoice is to remove friction and forgetting: send a professional invoice with a pay-now link the moment the work is done, make low-cost ACH bank payment the default option, and let automatic reminders before and after the due date do the chasing. Clear, short terms and a stated late fee give clients a reason to prioritize your invoice.

What changes the timing

Less waiting, less chasing

Remove the friction and the forgetting, and the average invoice gets paid noticeably sooner. Here's the shape of it.

For a client to pay by ACH
2 clicks
Awkward chase emails you send
0
ACH fee on a $1,000 invoice
~$4
Invoice the moment work ends
Same day

Why invoices get paid late

It's rarely refusal — it's friction and forgetting

Remove the friction — pay online in two clicks — and the forgetting — automatic reminders — and most invoices get paid noticeably sooner, without a single uncomfortable follow-up from you.

Making ACH the headline option helps twice: clients pay from their bank in seconds, and it costs you about $4 on a $1,000 invoice instead of card-level fees, so you can comfortably lead with it.

How ACH payments work

Fees on a $1,000 invoice

ACH bank transfer$4
Credit / debit card~$29

Lead with bank payments and keep more of every invoice.

~25× cheaper!

The playbook

Seven proven ways to get paid faster

Small, compounding changes to how you invoice — each one shaves days off the wait.

  • 1. Invoice the same day

    Send it the moment work is delivered, while it's fresh and expected. A saved template makes it a one-minute task.

  • 2. Make ACH the default

    A pay-now ACH link lets clients pay from their bank in two clicks — no check, no card — for a fraction of card fees.

  • 3. Turn on reminders

    Schedule polite nudges before and after the due date so you never write the 'just following up' email yourself.

  • 4. Set short terms

    Net 14 gets paid sooner than Net 30. State the due date plainly so there's no ambiguity about when payment is due.

  • 5. Add a stated late fee

    A late fee in your terms gives clients a reason to prioritize. Model it with the free late fee calculator first.

  • 6. Automate recurring billing

    For retainers and subscriptions, let recurring invoices send and collect on a schedule — revenue without lifting a finger.

  • 7. Make invoices easy to read

    Clear line items, totals, and one obvious pay button mean nothing stalls in an approval queue.

  • Bonus: ask for a deposit

    For larger projects, invoice a deposit up front. It improves cash flow immediately and signals a serious relationship.

How PayNugget helps

Built so the fast path is the default

Every tactic above is one toggle, one saved template, or one click in PayNugget.

  1. Send with a pay-now link

    Every invoice goes out with ACH and card options built in, so clients can pay the instant they open it.

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  2. Let reminders run

    Schedule automatic reminders once. PayNugget follows up before and after the due date for you.

    22

  3. Watch payments land

    Funds deposit to your US bank account, and low-cost ACH means more of each invoice stays with you.

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Keep going

The fast path becomes your default

Cash flow problems are usually timing problems. Fix the timing and the problem mostly disappears.
paid before the coffee's cold

Getting paid faster: frequently asked questions

Practical answers on reminders, terms, ACH, and late fees.

What's the fastest way to get paid on an invoice?
Send a professional invoice with a pay-now link the moment the work is done, and make ACH bank payment the default option. Online payment removes the 'I'll mail a check' delay, and clear due dates plus automatic reminders keep the invoice top of mind.
How do payment reminders help me get paid faster?
Most late invoices aren't refusals — they're forgotten. Automatic reminders before and after the due date nudge clients without an awkward email from you, which measurably shortens the time from sent to paid.
Does offering ACH really speed up payment?
Often, yes. ACH lets a client pay directly from their bank in a couple of clicks with no card to dig out, and because it costs you far less than cards (about $4 versus $29 on a $1,000 invoice) you can comfortably make it the headline payment option.
Should I charge a late fee to get paid faster?
A clearly stated late fee in your terms gives clients a reason to prioritize your invoice. State the rate up front (for example 1.5% per month) so it never feels like a surprise. You can model the amount with our free late fee calculator.
How soon should I send an invoice after finishing work?
Immediately. The longer you wait, the colder the project feels to the client and the longer your payment clock runs. Invoicing the same day — ideally from a saved template — is one of the simplest ways to get paid sooner.
Can recurring invoices help cash flow?
Yes. For retainers and subscriptions, recurring invoices send themselves on a schedule and collect automatically, so revenue arrives predictably instead of waiting on you to remember to bill.

Start getting paid faster today

Online payments, automatic reminders, and low-cost ACH — free to start, no subscription.

Start freeFree invoicing softwareTakes about 2 minutes.