The honest alternative to Wave
Invoicing and payments without the subscription
Send professional invoices, get paid by low-cost bank transfer or card, and keep your data. $0 monthly fee — you pay only when you get paid.
$0/month · no card to sign up · cancel anytime · US-only for now
Invoice #1042
$1,000
- Paid by
- Bank transfer (ACH)
- Processing fee
- $4
- You keep
- $996
PayNugget is a $0-subscription invoicing and payments app for US small businesses. You send professional invoices and get paid by low-cost ACH bank transfer or card, with no monthly fee — you pay only a small processing fee when a client actually pays you.
- PayNugget is…
- free invoicing and payments software for US small businesses: $0 monthly subscription, ACH-first bank payments, one-click data export, and real human support. An optional Pro plan adds power features for $12/month.
The numbers
Keep more of every invoice you send
No monthly bill, ACH-first payments, and your data is always yours. Here's what that adds up to.
- Monthly subscription
- $0
- ACH fee on a $1,000 invoice
- ~$4
- Export your data anytime
- 1-click
- Human support
- Real
The fee math
Lead with bank payments and the math changes
On a $1,000 invoice, an ACH bank transfer costs about $4. The same invoice paid by card runs roughly $29 — every single time.
Offer ACH first and card as a backup, and you keep more of what you earned without chasing anyone or paying a monthly fee for the privilege.
Fees on a $1,000 invoice
Lead with bank payments and keep more of every invoice.
~25× cheaper!How it works
How do you get paid with PayNugget?
No setup fees, no monthly bill. Create an account and send your first invoice in minutes — in three simple steps.
Create your invoice
Add your client, line items, and payment options. Your branding, your terms.
11Send and offer ACH or card
Email a professional invoice with a pay-now link. Clients pick bank transfer or card.
22Get paid — keep more
ACH payments cost a fraction of cards, so more of every invoice stays with you.
33
Why PayNugget
Everything you need to invoice and get paid
Built for honest small-business billing — without holding your data or your wallet hostage.
$0 subscription, real invoicing
Clean, branded invoices with a pay-now link your clients can use in seconds. No monthly fee to send them — you only pay when a client actually pays you.
See invoicingLow-cost ACH payments
Lead with bank transfers and save dramatically versus card fees on every invoice. Card is still there as a one-tap backup when a client prefers it.
Learn moreRecurring invoices on autopilot
Automate retainers and subscriptions on a schedule so nothing slips through the cracks — and you stop re-typing the same invoice every month.
Learn moreOwn your data, get real support
One-click export of clients and invoices — no lock-in, no features held hostage. And when you need a hand, you reach an actual person who can help.
Learn moreGet paid without the drama — no subscription, no lock-in, and no fee-creep eating into work you already did.
Who is PayNugget for?
Solo & Freelance
Freelancers · Consultants · Independent contractors
Trades & Field Service
Electricians · Plumbers · Landscapers
Agencies & Studios
Creative agencies · Marketing agencies · Photographers
Coaching & Education
Coaches · Tutors · Personal trainers
Nonprofits & Community
Nonprofits · Bookkeepers
PayNugget vs Wave
How does PayNugget compare to Wave?
Wave now charges $19/month. Here's how PayNugget, the free Wave alternative, compares on the things that matter.
| Feature | PayNugget | Wave |
|---|---|---|
| Monthly subscription | $0 — invoice and get paid free | $19/month for core features |
| ACH bank payments | Yes — low cost (~$4 on $1,000) | Behind the paid plan |
| Data ownership | One-click export, no lock-in | Plan-gated features |
| Human support | Included | Limited — a long-standing complaint |
The verdict: If you want to invoice and get paid without a monthly bill, lead with low-cost ACH, and keep your data, PayNugget is the simpler, cheaper switch.
Pricing
How much does PayNugget cost?
Free to invoice and get paid. An optional Pro tier at $12/month when you want more.
Free
Everything you need to invoice and get paid.
- Unlimited invoices and clients
- Accept ACH bank payments (low cost)
- Accept card payments
- One-click data export
- Real human support
You pay only a small processing fee when a client pays you.
Start freePro
PopularPower features for growing businesses.
- Everything in Free
- Recurring invoices and automations
- Advanced reporting
- Priority support
Stay in the loop
Want early access to new features?
Join the waitlist and we'll keep you posted. You can still start free right now.
Frequently asked questions
Honest answers about pricing, payments, and your data.
- Is PayNugget really free?
- Yes. There's no monthly subscription to invoice and get paid. You only pay a small processing fee when a client actually pays you, and ACH bank payments cost far less than cards.
- How is this different from Wave?
- Wave now charges $19/month for its core features. PayNugget keeps invoicing and getting paid at $0/month, leads with low-cost ACH, gives you one-click data export, and includes real human support.
- How do my clients pay me?
- Clients can pay each invoice by ACH bank transfer (the lowest-cost option) or by debit/credit card. You choose which to offer on every invoice.
- Do you beat credit card fees?
- We don't claim to beat the standard ~2.9% card network rate. Our savings come from low-cost ACH, the $0 subscription, owning your data, and real support.
- Can I export my data?
- Yes. Export your customers and invoices in one click, anytime. There's no lock-in.
- Is PayNugget available outside the US?
- Not yet. PayNugget is US-only for now and requires a US bank account to receive payments.
Keep exploring
Where to next?
A few good places to look — pick the trade you're in, dig into a feature, or see how we stack up.
Start invoicing free today
No subscription, low-cost ACH, and you keep your data. Set up in minutes.