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Free invoicingYour clients can cover the fees

Start invoicing freeHow fees work

$0/month with unlimited everything. You pay 1% when a client pays online, capped at $50 per invoice, plus Stripe’s fees. Your client can cover both.

$20,000/mo
$5,000$100,000
10
1100
Card fees you pay yourself
−$583/mo
If your client covers the fees
$0/mo

You save this much yearly$6,996

Based on Stripe’s 2.9% + 30¢ per card payment, if your client covers it at checkout. How fees work

One plan, everything included

Free

For agencies and service businesses

$0/month

Plus 1% when you get paid online, capped at $50 per invoice. Your client can cover it.

Start invoicing free

No credit card required.

Includes

  • Unlimited quotes, invoices and clients
  • Contracts with digital signatures
  • AI quote drafting with your own OpenAI or Claude key
  • Variance and profit margin on every line
  • Payment schedules and recurring billing
  • Card and ACH payments through Stripe
  • Pass fees to clients at checkout
  • Import from Harvest, Stripe, QuickBooks or CSV
  • Claude and ChatGPT through MCP
  • Offline payments, always free

How fees work

No payment, no fee. When a client pays online, two fees can apply, and you decide who covers each one.

1% platform fee
Only when you get paid online. Capped at $50 per invoice.
Stripe processing
Cards are 2.9% + 30¢. ACH is 0.8%, capped at $5. Separate from the 1%.
$0 offline
Checks, wires and manual payments never carry a Tillage fee.
You choose who pays
Absorb the fees, or pass them to your client at checkout.

You cover the fees

The default, and simplest for your client.

Invoice
$5,000.00
Platform fee (1%, max $50)
−$50.00
Stripe (card)
−$145.30
You keep
$4,804.70

Your client covers the fees

You keep 100% of the invoice.

Invoice
$5,000.00
Fees added at checkout
+$201.13
Client pays
$5,201.13
You keep
$5,000.00

Switch either fee to “Client pays” in Team Settings → Payments.

Run your own numbers with the Stripe fee calculator, or read every rate in the pricing and fees reference. Splitting a big invoice? Use billing schedules for deposits and milestones. Still comparing? See the best free invoicing software and how Tillage compares with other tools.

Questions and answers

Is Tillage really free?

Yes, Tillage is $0/month with unlimited usage and no credit card. You only pay a 1% platform fee when you collect a payment through Tillage, capped at $50 per invoice. Checks, wires and other offline payments are always free.

Are there any limits on the free plan?

Tillage includes unlimited quotes, contracts, invoices, clients and team members at $0/month. A fair use policy covers unusually heavy, commercial-scale usage, and in that case Tillage works out a custom plan with you rather than cutting you off.

Does the 1% apply to ACH bank payments too?

Yes, Tillage’s 1% platform fee applies to any payment collected online through Tillage, card or ACH, and it’s capped at $50 per invoice. Stripe’s ACH fee is 0.8%, capped at $5. Your client can cover both.

Does Tillage’s 1% replace Stripe fees?

No. The 1% platform fee is in addition to Stripe’s processing fees. On a card payment both can apply, and you choose who pays each one: your business or your client.

What does my client pay at checkout if I pass fees?

Set platform and processing fees to “Client pays” in Team Settings → Payments. Tillage grosses up the charge so your client covers both the 1% platform fee and Stripe processing, and you receive the full invoice amount. On a $5,000 card invoice, your client pays $5,201.13 and you receive $5,000.

Is Tillage a payment processor?

No. Tillage is invoicing and quote-to-cash software. Stripe handles payment processing. Tillage adds a 1% platform fee when payments flow through the platform, and you can pass that fee and Stripe’s to your clients.

What if my client pays by check or wire?

Mark the invoice paid manually. No Tillage fee applies to offline payments.

Do I need a Stripe account?

To collect online payments, yes. Connect your own Stripe account (it’s free to create one), or use Stripe Express for a guided setup. Pricing is $0/month either way.

Bill $5,000. Get $5,000

Start invoicing free