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 keep a tight follow-up routine so nothing slips.

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Online pay-now links · low-cost ACH by default · same-day invoicing · clear terms

vs $29.30 on a card

Invoice #1042

$1,000

Paid
Paid by
Bank transfer (ACH)
Processing fee
$9
You keep
$991

The fastest way to get paid on an invoice is to remove friction and forgetting: share a professional invoice with a secure pay-now link the moment the work is done, make low-cost ACH bank payment the default option, and keep a steady follow-up before and after the due date. 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
Clear terms beat Net 30
Net 14
ACH fee on a $1,000 invoice
~$9
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 — a steady follow-up routine — and most invoices get paid noticeably sooner. (Automated reminders are on our roadmap; for now a quick nudge does the job.)

Making ACH the headline option helps twice: clients pay from their bank in seconds, and it costs you about $9 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$9
Credit / debit card$29.30

Lead with bank payments and keep more of every invoice.

~3× 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. Keep a follow-up routine

    Send a polite nudge before and after the due date so nothing slips. Automated reminders are coming soon; a quick recurring check-in works today.

  • 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, recurring invoices are generated for you on a schedule — you just share the pay link, so revenue stays predictable.

  • 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. Share a pay-now link

    Every invoice has ACH and card options built in, so clients can pay the instant they open the link you send them.

    11

  2. Follow up with ease

    Track which invoices are unpaid and send a quick nudge before and after the due date. Automated reminders are on our roadmap.

    22

  3. Watch payments land

    Invoices auto-mark as paid when a client pays, 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?
Share a professional invoice with a secure 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 keep the invoice top of mind.
How do payment reminders help me get paid faster?
Most late invoices aren't refusals — they're forgotten. A simple follow-up before and after the due date nudges clients and measurably shortens the time from sent to paid. For now you send these yourself; automated reminders are on our roadmap.
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 $9 versus ~$29 on a $1,000 invoice, and capped at $9 as the amount grows) 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 are generated for you on a schedule, so revenue arrives predictably instead of waiting on you to remember to bill — you just share the pay link each cycle.

Start getting paid faster today

Online payments, same-day invoicing, and low-cost ACH — free to start, no subscription.

Start freeFree invoicing softwareTakes about 2 minutes.