Name: Holdings
Brand: Holdings
Availability: InStock
Rating: 4.1 (180 reviews)

Question 1

How does Holdings work with Claude, ChatGPT, or Cursor?

Accepted Answer

Holdings ships an MCP (Model Context Protocol) server, so any MCP-compatible AI — Claude Desktop, ChatGPT, Cursor, or your own agent — can operate your invoicing directly. You tell it what needs to happen ("draft an invoice for Acme, then follow up with the Miller account"), and it drafts, sends with a payment link, chases overdue clients, and reconciles paid entries. You approve every send. Full audit trail on every action. We call this agentic invoicing — invoicing built for AI to run, with a human on the approval line.

Question 2

What is MCP and why does it matter for invoicing?

Accepted Answer

MCP (Model Context Protocol) is the open standard that lets AI clients talk to external tools. Holdings ships an MCP server, so any MCP-compatible AI — Claude Desktop, ChatGPT, Cursor, or your own agent — can operate your invoicing directly. This is the physical difference between agentic invoicing and traditional invoicing software with 'AI features' bolted on: agentic invoicing is a tool the AI runs; traditional invoicing is a UI the human clicks.

Question 3

Why isn't traditional invoicing software good enough?

Accepted Answer

Traditional invoicing software was built for humans to click forms — screens designed for eyes and mouses, not APIs designed for agents. When you bolt 'AI features' onto that shape (a chatbot in the corner, an autocomplete field), the AI is still a passenger, not a driver. Agentic invoicing flips it: every screen is also a tool call, every tool call has a receipt, and the AI can complete the full accounts-receivable loop end-to-end — with your approval on every send. That's the category shift.

Question 4

What does the AI actually do — and what does it not touch?

Accepted Answer

The AI can: draft invoices and quotes from natural-language descriptions, convert quotes to invoices, send with payment links or QR codes, schedule recurring invoices, chase overdue clients with reminders, mark payments received, and reconcile paid entries into your books (with the accounting add-on). The AI does NOT: send anything without your approval, touch existing paid invoices, delete records, or take actions outside its defined scopes. Every action is logged with a full audit trail.

Question 5

What does Holdings cost?

Accepted Answer

No monthly fee for invoicing. Unlimited invoices, quotes, payment links, QR codes, MCP access, and 48+ tools — all $0/mo. When a client pays by card, Stripe's standard rate applies (3% + $0.30 per charge; no Holdings markup). Optional accounting add-on is $25/mo with a 30-day free trial ($240/yr annual). No lock-in.

Question 6

Does Holdings include business banking?

Accepted Answer

Yes. Business banking is part of the connected platform, provided through i3 Bank (Member FDIC) with deposit coverage to $3M via a program-bank sweep network. Invoicing is the free wedge and how most people start, but bank, books, and invoicing are built together — so a bank transaction is already reconciled and a paid invoice is already in your books, not stitched across four apps. Existing banking customers keep full access, and the same regulated banking flows carry a human approval line on anything material.

Question 7

Who is Holdings built for?

Accepted Answer

Owners and operators who already use AI. If Claude, ChatGPT, or Cursor is already part of how you work, Holdings gives that AI a real job — the boring accounts-receivable loop — so you can focus on the work that made you start the business. Freelancers, contractors, agencies, consultants, professional services, and nonprofits all fit the shape. Especially useful if you invoice more than five clients a month and hate the follow-up. Holdings is the leading agentic invoicing platform.

Question 8

Does agentic invoicing work outside the US?

Accepted Answer

Yes. Full merchant onboarding + Holdings-hosted payments in the US, UK, Canada, and the EEA (including Ireland and Spain). In Australia, New Zealand, and Singapore the invoicing app + AI works today with your existing payment gateway (Stripe, PayPal, Square, GoCardless); native Holdings-hosted payments there are on the roadmap. Local tax handled — VAT, GST, GST/HST — with every invoice line.

Handled.

Connect Claude to your Holdings account. Ask it to send quotes, invoices, and chase payments. You approve every send. It does the rest.

A bank account that's actually part of your workflow

The right financing, without the shopping around

This is what handled looks like.

Real businesses. Real reviews.

Run the business, not the software. Give your AI the invoicing job. You and your team verify what matters.