Zero-fee invoicing via direct bank transfers – automate reminders & proofs.
High Stripe and payment gateway fees are eating into the thin profit margins of small business owners, especially on low-volume transactions.
Create professional invoices with your bank details, QR codes for easy transfers. System auto-sends reminders via email/SMS; customers upload transfer receipts for instant matching. No gateways, pure savings on every low-volume invoice.
Small business owners processing low-volume transactions
Completely eliminates gateway fees by streamlining manual bank payments with smart automation and proof verification.
supportive
Build invoices with bank info, QR, due dates, and custom terms.
Scheduled emails/SMS at 1/3/7 days overdue.
Customers upload receipt images; manual approve or simple text match.
List all invoices by status (sent, paid, overdue), totals.
Securely store/display your routing/account per invoice.
Downloadable invoice PDFs.
Twilio for text reminders.
Show projected fees saved.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| bank_account | text | Yes |
| bank_routing | text | Yes |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| customer_name | text | No |
| customer_email | text | Yes |
| amount_cents | int | No |
| status | text | No |
| due_date | timestamp | Yes |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| invoice_id | uuid | No |
| image_url | text | Yes |
| verified | bool | No |
| verified_at | timestamp | Yes |
Relationships:
/api/invoicesList user's invoices
/api/invoicesCreate invoice
/api/invoices/:id/sendSend reminder
/api/proofs/:id/verifyMark proof verified
/api/proofs/:invoice_id/uploadCustomer uploads proof
No SMS
Solo
None
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 200 | 2.5% | $125 | $1,500 |
| Month 6 | 2,000 | 8% | $4,000 | $48,000 |
Automate bank transfer collections with reminders and proof tracking for tiny-margin businesses.
Validate via r/smallbusiness thread offering beta access. Email 30 consultants/coaches from Upwork profiles. First 3 get lifetime Pro for video testimonial.
Full accounting
Requires paid gateways
Zero payment fees
Integrations
Overkill for low vol
Simpler, fee-free
Free base
Gateway dependency
Truly zero fees
Network of verified transfer templates and customer proof database for trust signals.
Fee fatigue peaks as 70% small biz report margins under 10%; bank APIs maturing.
Resistance to bank transfers
Onboarding education + calcs
SMS costs overrun
Tier limits
Low automation appeal
MVP feedback loop
Success: 15 prefer zero fees
Success: 70% paid/collected
Success: 20% referral signups
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