The Consultant Invoice Tool That Keeps 100% of What You Bill
Send professional consulting invoices with line-item breakdowns. Clients pay direct by bank transfer - no card fees, no middleman, no waiting.
A $5,000 consulting invoice should land $5,000 in your account. Card processors take $150–$175 before you see a cent. Settle invoices move money bank-to-bank - nothing in between.
No signup · No credit card · Free forever
Invoice · #INV-0042
Northwind Coffee Co.
Bank-level security
Your data and payments are encrypted end to end
Zero card fees
Keep 100% of what you bill, every time
Instant payouts
Money in your account in seconds, not days
Cash flow you can actually plan around
When a meaningful chunk of your month is one large invoice, a multi-day settlement delay isn't a minor inconvenience - it's a planning problem. Bank transfers through Settle are built to land in seconds once your client pays, so a payment clearing doesn't become a variable you have to build slack around.
Create InvoiceTime to receive $5,000
No multi-day wait to plan around
Built around how engagements actually get billed
Most consulting work isn't a single flat fee - it's phases, deliverables, retainers, revision rounds. Settle invoices support itemized line items, so a client sees discovery, delivery, and revisions broken out separately, rather than one lump sum they have to take on faith.
Create InvoiceEngagement breakdown
Start from a professional consultant invoice template
Skip the blank page. Fill in your business, your client, and each phase of the engagement, and Settle turns it into a polished consultant invoice template your client can pay directly by ACH bank transfer - line items, totals, and a clean layout that looks like the caliber of work you're billing for.
Create InvoiceYour invoice, in about a minute
Your business
Client
Phase 1
Phase 2
From engagement to payment
List each phase as its own line item, add your client's details, and send the invoice as a link or a clean PDF. No account required on your client's end - they review the breakdown and pay directly from their bank. Once they do, the money moves straight to your account, with nothing holding it up in between.
Create InvoiceList each phase as its own line item
Client reviews & pays from the PDF - no account needed
Money moves straight to your bank
Nothing holding it up in between
How this compares
| Settle | Stripe | PayPal | |
|---|---|---|---|
| Payment rail | Direct ACH bank transfer | Card network (or ACH at extra setup) | Card network / PayPal balance |
| Fee on a $5,000 invoice | $0 | ~$145 (2.9% + $0.30) | ~$150–$175 (2.99–3.49% + $0.49) |
| Time to receive funds | Seconds | ~2 business days | Instant to PayPal balance; 1+ day to bank (or 1.5% extra) |
| Client signup required to pay | No | No | Often yes, or guest checkout |
Stripe and PayPal are the two processors invoicing tools most commonly route card payments through. Rates shown are each company's own published standard pricing as of mid-2026.
What clients see on their end
A verified-payee check before the transfer, and a payment that moves bank-to-bank with no holding period - Settle initiates it and steps aside. Every invoice and payment is encrypted end to end, and neither your data nor your client's is used for anything beyond processing that invoice.
Verified-payee check
A payee verification runs before the transfer - so both sides know it's going to the right place.
Direct bank-to-bank transfer
Money moves straight from your client's bank to yours, with no holding period and no middleman in between.
End-to-end encryption
Every invoice and payment is encrypted in transit and at rest - the same standard your bank uses.
No data sold, ever
Your details and your client's are used only to process that invoice. Nothing else, nothing more.
Frequently Asked Questions
Answers to common questions about creating invoices, getting paid by bank transfer, and using Settle.
Create invoices your clients can pay instantly.
Built for consultants who want faster payments without card processing fees.
No signup · No credit card · Free forever