Stripe takes about 3% of every invoice. Settle takes nothing.
Settle vs Stripe invoice fees · ACH invoicing comparison · zero-fee invoicing for freelancers and consultants
Both let you invoice clients. Only one lets you keep 100% of what you bill.
Send invoices, track payments, and get paid by bank transfer with zero fees. The Stripe alternative that keeps 100% of what you bill.
Calculate your annual savings switching from Stripe to Settle
Your annual savings
$69,672Based on your invoice volume.
- Card processing fees (2.9%)
- $69,600
- Transaction fees ($0.30)
- $72
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How Settle compares to Stripe
Platform fee
Per invoice sent
Payment method
How clients pay
Time to receive funds
After client pays
PDF invoice download
Professional invoices
Monthly subscription
Just to use invoicing
Verified payee check
Payment security
Signup required to send
You need an account
The math on a $5,000 consulting invoice
See exactly what reaches your bank account.
With Stripe
With Settle
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.
Switch from Stripe without giving up 3%.
Create your first invoice in under a minute and start getting paid directly to your bank account.
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