Free Invoice Tool for Consultants & Agencies
Bank transfer invoice generator · Invoice without Stripe fees · ACH invoice tool free
Send pro invoices in 60 seconds. Get paid by bank transfer - skip Stripe's 3% fee. Free, no signup required.
No signup · No credit card · Free forever
Where did your $580 go?
Every time a client pays an invoice by credit card, payment processors typically take around 2.9% before the money reaches your bank account. On a $20,000 invoice, that's about $580 in processing fees.
Your client
Payment processor
You receive
Your client pays in seconds
Forget waiting 2–5 business days for card settlements. When a client pays by bank transfer, the money hits your account in the time it takes to send a text. No batch processing, no business hours, no delays.
See How It WorksInvoice sent
2:31 PM
Client viewed
2:32 PM
Payment received
2:33 PM
+$0
Get from invoice to payment in three simple steps
No account needed for your client. No waiting for bank processing.
Fill in your details
Add your business name, client info, and line items. No account needed - start in 60 seconds.
Send your invoice
Your client instantly receives a clean, professional PDF they can open from any device.
Get paid by bank
Zero fees. Money lands in your account in seconds - not 2–5 business days.
Be first to send invoices, track payments, and get paid by bank, all from one dashboard. Launching soon.
Why freelancers choose Settle
Built to help freelancers get paid directly, securely, and without processing fees.
End-to-end encryption
Every invoice and payment is encrypted in transit and at rest. The same standard your bank uses.
Direct bank-to-bank transfer
When your client pays, money moves straight from their bank to yours. It never sits in a Settle account.
We never see your money
Settle initiates the transfer and steps aside. We have no access to hold, delay, or touch your funds.
No personal data sold, ever
Your details and your client's details are used only to process the invoice. Nothing else, nothing more.
Frequently Asked Questions
Answers to common questions about creating invoices, getting paid by bank transfer, and using Settle.
Keep more of every invoice you send.
Create professional invoices in under a minute and get paid directly to your bank account.
No signup · No credit card · Free forever