Where invoicing costs hide
Most invoicing 'deals' charge a monthly subscription ($15–$50/mo) on top of processing fees on every payment. So you pay whether or not you send a single invoice that month. For a freelancer or seasonal business, that flat fee is pure overhead in slow months.
The cheaper model flips it: free to send, pay only when you get paid. No money in, no fee out.
What Holdings costs
- Unlimited invoicing + payment links/QR: Free, $0/mo.
- Per payment: 3% + $0.30 when a client pays by card or ACH bank transfer.
- No monthly invoicing fee, ever.
If you want full double-entry accounting (P&L, balance sheet, categorization) layered on top, that's the $25/mo Software plan — but invoicing and getting paid don't require it.
The cheaper-than-it-looks part
On a typical stack you'd pay for an invoicing tool *and* accounting software *and* reconcile the two every month — three costs to do one job. With Holdings the bank is the books, so a paid invoice is already recorded. You're not paying for a separate tool to sync, and you're not spending an evening reconciling. Cheapest isn't just the sticker price; it's the work you no longer do.
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Frequently asked questions
Is there a way to invoice clients for free?
Yes — Holdings offers unlimited free invoicing with payment links and QR codes on its $0/mo plan. There's no monthly fee to send invoices; you only pay 3% + $0.30 when a client pays you by card or ACH.
Why do most invoicing tools charge monthly?
They bundle invoicing into a subscription whether or not you use it that month. A pay-when-you-collect model is usually cheaper for freelancers and small or seasonal businesses because the cost tracks your actual revenue.
What's the real cost per invoice with Holdings?
Sending is free. Collecting costs 3% + $0.30 per payment by card or ACH — so a $1,000 invoice paid online costs about $30.30, and an unpaid invoice costs nothing.