Simple, honest pricing
Free to invoice. Pay only when you get paid.
No monthly subscription to send invoices and accept payments. Lead with low-cost ACH bank transfers, accept cards at standard rates, and add an optional Pro tier only when you want more.
$0 subscription · no setup fees · no monthly minimums · cancel Pro anytime
Invoice #1042
$1,000
- Paid by
- Bank transfer (ACH)
- Processing fee
- $9
- You keep
- $991
PayNugget costs $0/month — you pay only per transaction when a client actually pays you. There's no subscription to send invoices or accept payments. ACH bank payments are a low percentage that caps at $9 total ($9 on a $1,000 invoice), and cards run at the standard processor rate of 2.9% + 30¢ ($29.30 on $1,000) with no PayNugget markup. An optional Pro plan ($12/month for team and reporting features) is coming soon, and it will never change your payment fees.
The shape of it
Pricing you can hold in your head
No tiers to decode, no per-seat math, no surprise overage. Here's the whole thing in four numbers.
- Monthly subscription
- $0
- ACH fee cap, any amount
- $9
- Optional Pro tier (coming soon)
- $12
- Data export, always free
- 1-click
Plans
Two plans. Most businesses never leave Free.
Run your whole business on the Free plan, or add Pro for team features and advanced reporting. Payment fees are identical on both.
Free
Everything you need to invoice and get paid — no subscription.
- Unlimited invoices and estimates
- Unlimited clients
- Accept ACH bank payments (low cost)
- Accept debit and credit cards
- Customizable invoice templates
- One-click data export
- Real human support
Pay only a per-transaction fee when a client pays you. No monthly bill, ever.
Start freePro
PopularPower features for teams and growing businesses.
- Everything in Free
- Multiple team members and logins
- Advanced reporting and exports
- Custom branding on invoices
- Recurring invoices and automations
- Priority human support
Coming soon. Same payment fees as Free — Pro only unlocks software features.
Start free — Pro coming soonPrices in USD. PayNugget is US-only for now and requires a US bank account to receive payments. The payment processing fees below apply to both plans.
How our fees work
Lead with bank payments and keep more of every invoice
ACH bank payments are a low percentage that caps at $9 total — so a $1,000 invoice costs $9, and a $5,000 invoice still costs $9. The same $1,000 invoice paid by card runs $29.30, because the card networks set that rate, not us.
Make ACH the default on your invoices and card a one-tap backup, and the savings compound on every single payment — with no monthly bill skimming off the top.
Fees on a $1,000 invoice
Lead with bank payments and keep more of every invoice.
~3× cheaper!Transparent fees
What it actually costs to get paid
No hidden markups. ACH is a low percentage that caps at $9 total. Cards run at the standard 2.9% + 30¢ processor rate — we pass them through with no markup, we don't beat the card networks.
ACH bank payments
Caps at $9 any amount
The lowest-cost way to get paid. Money moves bank-to-bank and skips the card networks, so a $1,000 invoice costs $9 to collect — and so does a $10,000 one. Make ACH the default and the savings add up fast.
Card payments
~2.9% + 30¢ per charge
Standard debit and credit card processing — the same rate the card networks set. We don't mark it up, and we don't claim to beat it. Offer cards for convenience when a client prefers them.
| Invoice amount | ACH fee | Card fee (est.) |
|---|---|---|
| $250 | $3.25 | $7.55 |
| $1,000 | $9 | $29.30 |
| $5,000 | $9 | $145.30 |
Card figures are the standard 2.9% + 30¢ processor rate with no PayNugget markup; your exact rate can depend on card type. ACH is a low percentage that caps at $9 total per payment.
Cost comparison
The math against a ~$16-19/month tool
Subscription tools charge you whether or not you send a single invoice. Stop paying a monthly fee and a year looks very different.
Want the full breakdown? See PayNugget vs Wave or read why people switch from Wave.
Wave Pro (incumbent)
~$192-228 / year
~$16-19/month, billed whether you invoice once or a hundred times — plus payment processing fees on top.
PayNugget Free
$0 / year
No subscription at all. You pay only the per-transaction fee when a client pays — and ACH keeps that low.
Pro features
When it's worth upgrading to Pro
Free covers invoicing and getting paid for most businesses. Pro is coming soon to add the tooling teams need as they grow — for a flat $12/month, never a cut of your payments.
Multiple team members
Give bookkeepers, partners, and staff their own logins with the right access, so you can bill and collaborate as a team instead of sharing one password.
Advanced reporting & branding
Deeper revenue, aging, and payment reports with richer exports — plus your logo, colors, and identity front and center on every invoice and payment page.
Recurring invoices & priority support
Automate retainers and subscriptions so repeat clients bill on schedule, and jump the queue to our real human support team when you need an answer fast.
See recurring invoicesSame low payment fees, always
Upgrading never changes what you pay to accept money. ACH and card fees are identical on Free and Pro — the $12/month only unlocks software, never your payments.
Learn moreWe won't tell you we beat credit card fees — nobody beats the card networks. We remove the subscription, lead with low-cost ACH, and let you keep your data.
$0 subscription
No monthly bill to invoice and get paid.
Pay when paid
Fees only when a payment actually settles.
No card markup
Cards pass through at standard network rates.
Own your data
One-click export, free, on every plan.
No contracts
Pro is month-to-month — cancel anytime.
Real humans
Reach a person, not a chatbot, when you need help.
No setup fees
Nothing to pay to get started.
No minimums
Send one invoice or a hundred — same price.
Pricing questions, answered honestly
Fees, plans, and what you actually pay — no fine print.
- Is PayNugget really free?
- Yes. The Free plan has no monthly subscription. You can create unlimited invoices, add unlimited clients, and get paid without ever paying us a recurring fee. You only pay a small processing fee when a client actually pays an invoice — and ACH bank payments cost a fraction of card payments.
- What are the per-transaction fees?
- ACH bank payments are a low percentage that caps at $9 total per payment — so a $1,000 invoice costs $9, and so does a $10,000 one. Card payments run at the standard processor rate of 2.9% + 30 cents (about $29.30 on $1,000). We don't mark cards up beyond what the networks charge; the savings come from steering clients to ACH, not from beating card rates.
- Why is ACH so much cheaper than cards?
- Card networks (Visa, Mastercard, Amex) charge interchange and assessment fees on every card transaction — typically 2.9% plus a fixed per-transaction fee. ACH moves money directly between bank accounts and skips those networks, so it costs far less and caps at $9. On a $1,000 invoice that's $9 by ACH versus $29.30 by card; on a $5,000 invoice it's $9 versus $145.30.
- Do you beat credit card processing fees?
- No, and we won't pretend to. The 2.9% + 30¢ card network rate is set by Visa and Mastercard, not by us. We pass cards through at standard rates with no PayNugget markup. Where PayNugget saves you money is the $0 subscription and low-cost ACH that caps at $9 — offer bank payments as the default and most of your invoice value stays with you.
- When do I actually pay a fee?
- Only when money lands. If you send an invoice and it doesn't get paid, you owe nothing. There are no setup fees, no monthly minimums, and no charge for sending invoices or estimates. Fees are deducted from each payment as it settles, so you never get a surprise bill.
- What will the Pro plan include?
- The optional Pro plan is coming soon at $12/month and is planned to add power features for growing businesses: multiple team members with their own logins, advanced reporting and exports, custom invoice branding, and priority access to our human support team. Everything in Free will still be included, and the per-transaction payment fees will be exactly the same on both plans. For now, every business runs on Free.
- Will payment fees change on the Pro plan?
- No. ACH and card processing fees are identical on Free and Pro. The $12/month Pro plan, once available, will only unlock software features — it never changes what you pay to accept a payment.
- Will Pro have a contract or commitment?
- No. When Pro launches it will be month-to-month with no contract — cancel whenever you like and drop back to Free, keeping all your invoices, clients, and history. There's no penalty and no data held hostage.
- How does this compare to Wave's pricing?
- Wave moved its core invoicing and payments features behind a paid plan of around $16-19/month. PayNugget keeps invoicing and getting paid free at $0/month and offers low-cost ACH without a subscription. Even our optional Pro tier (coming soon) is planned at $12/month — and you can run your whole business on Free.
- Is there a contract or long-term commitment?
- No contracts on either plan. Free is free forever, and Pro is billed monthly with no commitment. You can export all your data in one click at any time, so you're never locked in.
- Can I export my data if I leave?
- Always. One-click export of your customers and invoices is included on every plan, free. Your data is yours — there's no lock-in and no fee to take it with you.
- Is PayNugget available outside the US?
- Not yet. PayNugget is US-only for now and requires a US bank account to receive ACH and card payments. We're focused on getting US small-business billing right before expanding.
Keep exploring
Where to next?
Already convinced on price? Here's where to look before you start.
Start invoicing free today
No subscription, no setup fees, low-cost ACH. Add Pro only if you need it.