Pmnts vs Invoice Simple
Invoice Simple's subscription looks cheaper than Pmnts. The card rate is where the difference goes.
As of August 2026, $6.99 a month allows 3 invoices a month, $14.99 allows 10, and unlimited is $21.99. Card payments in the US run 3.49% + $0.49 — above Stripe's 2.9% + 30¢, above FreshBooks, and above the 2.90% + C$0.30 the same product charges in Canada.
On $10,000 a month of card payments, that difference is roughly $60 more than the same invoices would cost you in Stripe fees — every month, on top of the subscription. Pmnts is $9 a month or $90 a year, unlimited invoices on Pro, paid through your own Stripe account.
Side by side
The whole comparison
| Compared on | Invoice Simple | Pmnts |
|---|---|---|
| Price | $6.99/mo, $14.99/mo or $21.99/mo, depending on invoice volume | $9/mo or $90/yr, flat |
| What's capped | Invoices per month — 3 on the $6.99 plan, 10 on $14.99, unlimited on $21.99 | Unlimited invoices on Pro |
| Payment fees | 3.49% + $0.49 in the US (2.90% + C$0.30 in Canada) | 2.9% + 30¢ — Stripe's US rate, in your own Stripe account |
| Reminders | Available | Automated, on a schedule, on Pro |
| Where it runs | Native iOS and Android apps, built for invoicing on site | A web app — there is no native app |
| What you give up by switching | A polished phone app you can build, send and take payment from at the job | That — Pmnts is a browser app you'd use from a desk more often than a truck |
Prices, plan limits and payment rates as of August 2026, taken from each product's published pricing. They change — check both before you decide.
Be honest
When Invoice Simple is the better choice
Three cases where switching to Pmnts would be a downgrade. If any of them is you, stay put — Invoice Simple is the right tool.
You invoice from a phone, on site
Invoice Simple is a genuinely good mobile app: build the invoice at the job, hand it over before you leave, take payment there. Pmnts runs in a browser and has no iOS or Android app to open in the cab of a truck.
You send two or three small invoices a month
At low volume the maths flips. The $6.99 plan plus a higher card rate can come out under $9 a month — the markup only bites once card volume climbs.
You get paid mostly in cash or by cheque
If cards are rare, the card rate is irrelevant and the cheapest subscription simply wins.
What you'd actually get
Everything Pmnts does
It's a short list on purpose. Pmnts is not accounting software: no expenses, no time tracking, no bookkeeping, no payroll, no teams.
- Unlimited invoices on Pro for $9 a month, whatever the volume
- Card payments at Stripe's rate into your own Stripe account, not a marked-up rate
- Automated reminders that follow up on a schedule
- Recurring invoices for repeat customers
- Eight templates, your logo and brand color, and CSV export
FAQ
Questions people ask before moving
Is Pmnts cheaper if its subscription costs more?
It depends on card volume. The subscription gap is a couple of dollars; the rate gap is 0.59% plus about 19¢ per payment. Somewhere in the low hundreds of dollars a month in card payments they cancel out, and above that Pmnts costs less — by roughly $60 a month at $10,000. Rates as of August 2026.
Is there a Pmnts mobile app?
No. Pmnts runs in a browser. If you build invoices from your phone all day, a native app is the better tool and Invoice Simple is a good one.
What does Pmnts charge per invoice?
Nothing. It's $9 a month or $90 a year, and Stripe's own rate on card payments into your own account. There's a free tier as well — the current limits are on the pricing page.
Send one invoice and see.
Pro is $9 a month, or $90 a year, as of August 2026. There is a free tier too — the current limits are on the pricing page.
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