Autopay, minimums, and cancellation terms take you from chasing invoices to steady income. Same clients, same rates.
No credit card required · Free while you're small · Cancel anytime
The gaps that quietly drain you
You don't need to close 30% more business. You need to stop leaking the money you've already earned. Most independents are bleeding cashflow through three gaps — and never see it.
Net-30 becomes net-whenever. That's real money you earned, parked in someone else's account while you chase it.
No minimum, no cancellation notice — so one client pausing can gut a month you thought was locked in.
Every card payment quietly loses the processing fee off the top — on volume you're already collecting.
The math nobody mentions
On a $10,000 month that's $290 gone — before you've paid yourself. Billing Zero lets your client cover the processing fee, so the whole amount lands in your account. The plan pays for itself before you send your second invoice.
Billing on your terms
From "here's the scope" to "you got paid" — automated, branded, and built for how you actually work.
Set up a retainer or subscription once. The card on file gets charged on schedule, the receipt goes out, and the money shows up — without you lifting a finger or sending a single reminder.
Set minimum commitments and a cancellation notice period right in the agreement. Clients can't vanish overnight, and you can see revenue coming weeks out. This is the setup that turns feast-or-famine into a steady line.
Draft a scope, send a clean branded link, and your client approves with one click. No DocuSign here, Stripe there, and a spreadsheet in between — the agreement and the billing are the same thing.
Your logo, your colors, your own domain. Clients pay you on a page that looks like you — never a generic third-party checkout. You look like the studio you already are.
And everything else you'd expect
Pass the card fee to the client, or absorb it. Bank transfers are always free. No slice of your volume, ever.
Reward clients who send you work, let them pick the reward, and see exactly who you owe each month.
Know the second a client opens an invoice, and let automatic reminders chase the late ones for you.
A quick one-time invoice or a locked-in retainer — same clean flow, same clean link.
Revenue, MRR, collected vs invoiced — your whole book at a glance, no accounting degree required.
Already on Stripe? Pull your existing clients and history in with one click and pick up right where you are.
How it works
No onboarding calls, no finance degree. If you can send an email, you can run your billing.
Add a client, a scope, and a price — with a minimum term and cancellation notice if you want them. Sixty seconds.
They get a clean, branded link — review, sign or approve, and pay by card or bank. No account required.
One-off or recurring, the money lands in your account and your dashboard updates. You keep all of it.
Why Billing Zero
QuickBooks is for your bookkeeper. Billing Zero is for the person who sends the invoice, does the work, and just wants to get paid.
| What You Actually Need | Billing Zero | The Old Way |
|---|---|---|
| 0% Cut Of Your Revenue | ✓ | % Of Volume |
| Get Paid Automatically Each Cycle | ✓ | Manual Reminders |
| Minimum Terms & Cancellation Notice | ✓ | ✕ |
| Contracts, SOWs & Billing In One Flow | ✓ | 3+ Tools |
| Recurring & One-Off In One Place | ✓ | Separate Apps |
| White-Labeled To Your Brand | ✓ | ✕ |
| Client Covers The Card Fee | ✓ | You Eat 2.9% |
| Read Receipts & Auto Reminders | ✓ | ✕ |
| Built For Freelancers & Agencies | ✓ | Built For Accountants |
"I grew my bottom line by 50% on basically the same revenue. I didn't land more clients or generate more revenue. I just fixed the leakage on the back end: autopay, minimums, a cancellation notice, cutting the 2.9% card fees, etc. It took me from chasing invoices every month to knowing exactly what was coming in. I built Billing Zero to do it for me. Now it's yours."
Pricing
No card to start, no lock-in, cancel anytime. Upgrade when it's paying for itself.
Only clients you bill automatically count toward a plan. One-off invoices,
contracts, and e-signatures are unlimited on every plan, including Free.
Pay-per-charge billing costs $5 every time you get paid, so at 50 clients that is
$250 a month. Ours is $129, and we never take a percentage.
Bigger than 50 clients or 3 seats? Talk to us
and we'll size a plan to fit.
FAQ
No. They get a clean, branded link — review it, sign or approve, and pay by card or bank. No signup, no password, no friction.
Never. Billing Zero takes 0% of your volume — no percentage skim, ever. You pay a flat monthly plan (free while you're small), and that's it.
Cards carry the standard processing fee (about 2.9% + 30¢) — that goes to the processor, not to us. You can pass that surcharge to the client so you keep your full rate, and bank transfers are always free.
In most of the U.S., yes — with clear disclosure, which we show automatically on the payment page. Surcharges don't apply to debit cards, and a few states have their own rules. We handle the disclosure; check your local rules to be sure. (Not legal advice.)
Yes — that's the whole point. Set a minimum term and a cancellation notice period right in the agreement, so nobody disappears overnight and your cashflow stays predictable.
Absolutely. Store a card once and auto-charge on any schedule — weekly, monthly, or custom — with automatic retries if a payment fails. Set it and forget it.
Securely online, by credit/debit card or by bank transfer (ACH). Bank transfers avoid the card fee entirely.
Card payments typically settle in about two business days; bank transfers take roughly five to seven. Your dashboard shows exactly what's collected and what's on the way.
We retry automatically and send friendly reminders (dunning) so you don't have to babysit it or send the awkward email yourself.
Yes. Agreements are signed electronically under the U.S. E-SIGN Act and applicable state law, with the same legal effect as a handwritten signature.
Yes. Your logo, your colors, emails from your name — clients never see ours. On paid plans you can serve it from your own domain.
Yes. Import your existing clients, subscriptions, and payment history from Stripe in one click and pick up right where you left off.
Yes — free while you're getting off the ground, no credit card required. You only upgrade once it's clearly paying for itself, and you can cancel anytime.
Start today
Free while you're getting off the ground. Upgrade when it's paying for itself. No card to start, cancel anytime.