Send an invoice by text or email. They connect their bank and approve it in about 60 seconds — no app, no account, no card number.
1% per paid invoice. Capped at $50. Nothing charged if it doesn't get paid.
We're taking a limited number of businesses that are actively invoicing.
Our fee is 1%, capped at $50. Card processors charge a percentage with no ceiling — so the bigger the job, the worse the gap gets.
| Invoice | Card at 2.9% + 30¢ | NoAppPay | You keep |
|---|---|---|---|
| $2,500 | $72.80 | $25.00 | +$47.80 |
| $5,000 | $145.30 | $50.00 | +$95.30 |
| $10,000 | $290.30 | $50.00 | +$240.30 |
| $25,000 | $725.30 | $50.00 | +$675.30 |
The fee stops growing after a $5,000 invoice. A $25,000 payment costs $50 to collect — an effective rate of 0.2%.
Enter the amount and your customer's phone or email. We send them a secure link.
They open the link, connect their bank through Plaid, and authorize the exact amount. One payment, one time — never a recurring charge.
Funds arrive in 3–5 business days. Every payment shows on your ledger with a receipt.
If your invoices run from $1,000 to $25,000 and you're still chasing checks or absorbing card fees, this is for you.
No app, no account, no password. They tap a link and they're done. The reason people stall on paying is friction, not money.
Bank connections run through Plaid. We never see or store their login, and we don't keep their full account number.
They authorize the exact invoice amount, once. It is not a saved card and not a recurring charge. They can revoke before it's submitted.
Three to five business days for a standard deposit. We're not going to tell you it's instant — bank payments take a few days to clear. What we remove is the part where your customer doesn't pay for three weeks because paying you is annoying.
No. They pay the exact amount on the invoice, not a cent more. The 1% comes out of your side, and only when you actually get paid.
You're charged nothing. No fee on unpaid invoices, expired links, or returned payments. There's no monthly fee and no minimum, so a slow month costs you nothing.
Yes — an optional instant deposit for an additional 2%, which lands within 30 minutes once the payment clears. It's available on invoices up to $10,000 and you choose it per payment. It's never automatic.
Using it on real invoices and telling us what breaks. We're deliberately keeping the first group small so we can talk to everyone in it. If you're just curious rather than actively invoicing, you'd be better off waiting for general availability.
Limited beta opening September. Free to join the list, no card required.
Request beta accessNo monthly minimum, no setup cost, no card required. You pay 1% per paid invoice — and nothing at all on invoices that go unpaid.
Standard — included
$2 minimum · $50 maximum on invoices up to $10,000 · never more than $100 on anything larger.
Instant deposit — optional
Added to the 1% standard fee. Available on invoices up to $10,000. Chosen per payment — never automatic.
The fee caps at $50 on invoices up to $10,000, and never exceeds $100 no matter how large the job gets. The bigger the invoice, the smaller the percentage you actually pay.
| Invoice amount | Standard fee | You receive | With instant deposit | You receive |
|---|---|---|---|---|
| $150 | $2.00 | $148.00 | $5.00 | $145.00 |
| $500 | $5.00 | $495.00 | $15.00 | $485.00 |
| $1,000 | $10.00 | $990.00 | $30.00 | $970.00 |
| $2,500 | $25.00 | $2,475.00 | $75.00 | $2,425.00 |
| $5,000 | $50.00cap reached | $4,950.00 | $150.00 | $4,850.00 |
| $10,000 | $50.00 | $9,950.00 | $250.00 | $9,750.00 |
| $25,000 | $87.50 | $24,912.50 | Standard deposit only | |
| $50,000 | $100.00maximum | $49,900.00 | Standard deposit only | |
A $50,000 invoice costs $100 to collect — an effective rate of 0.2%. A card processor would take roughly $1,450 for the same payment.
The fee comes out of the payment before it reaches your account. There is no separate bill to pay and no card on file.
If an invoice is never paid, expires, or the debit is returned, you are charged nothing. You only pay on money you actually receive.
Your customer is charged exactly the amount on the invoice — not a cent more. Nothing is added at checkout.
No. Your customer pays the exact invoice amount. They do not download an app, create an account, or enter card details — they open a link, connect their bank, and authorize a single payment for that one invoice.
Because our cost to collect a bank payment barely changes with the size of the invoice, so charging a straight percentage would be indefensible. The fee stops at $50 on invoices up to $10,000, and never exceeds $100 on anything larger — instead of the several hundred to well over a thousand dollars a card processor would take on the same payment.
Bank debits can be returned for reasons such as insufficient funds or a stop payment. If that happens the invoice is marked failed on your ledger, no fee is charged, and you resolve the underlying issue directly with your customer.
Funds arrive within 30 minutes of the payment clearing, including on weekends and holidays. Bank payments take a few business days to clear before that point — instant deposit removes the waiting period that follows, not the clearing period itself.
Instant deposits move over a different network than standard bank transfers, and that network has a per-deposit ceiling. Rather than split a larger payment into pieces and give you a partial deposit, we send invoices above $10,000 on the standard schedule. You are never charged the instant fee on those.
No. There is no subscription, no minimum volume, no setup fee, and no contract. If you send no invoices in a month, you pay nothing.
We give at least 30 days' notice to active accounts before any fee change takes effect, as set out in our Terms of Service.
Two sliders. Cards, wires, and us — compared honestly, including where we're not the cheapest.
Taken by card processors, last 12 months
$17,436
That's money you earned and never saw.
Card
$145.30
per invoice · 2.9% + 30¢
Wire
$15.00
to you · your customer pays ~$30 and has to go arrange it
NoAppPay
$50.00
per invoice · 1%, capped at $50
Limited beta opening September. No card required to join the list.
We'll only email you about the beta. Privacy Policy
Card figure uses a representative 2.9% + $0.30. Optimized interchange can be lower, but the best B2B rates require Level 3 line-item data and a commercial card on the payer's side — rarely the case for service businesses invoicing homeowners or small firms. Wire figures use a typical $15 incoming fee to you and roughly $30 outgoing to your customer; banks vary. NoAppPay is 1% per paid invoice, minimum $2, capped at $50 up to $10,000 and never more than $100 above that, charged only when you get paid. Estimates for comparison, not a quote.