Stop paying 3%
to send an invoice.
Your Singapore clients pay via PayNow or FAST transfer — so why is Stripe taking a cut? Keep 100% of every invoice. SGD 5/month flat.
The problem
You're paying for card processing you don't need.
Stripe takes 3.4% on every invoice
A freelancer invoicing $5,000/month pays Stripe ~$170. That's $2,040/year — on money your client sends by bank transfer anyway. You're paying for card processing you never use.
PayPal and Square aren't cheaper
PayPal Invoicing charges 3.9% + $0.50. Square: 3.3%. Wave: 2.9% + $0.60. They all skim a percentage because they process the payment. But if your client pays via PayNow — there's no card to process.
The math compounds fast
A tuition teacher in Singapore with 15 students at $400/month pays $174/month in Stripe fees — $2,088/year. A local consultant billing $10k/month? $340/month, $4,080/year. All for money that was going to arrive by PayNow anyway.
Savings calculator
See how much you're losing to transaction fees
If your clients pay by FAST transfer or PayNow, every percentage fee is money burned. Plug in your numbers (SGD).
Stripe Invoicing costs you
$2,070/year in fees
WorkInvoice costs you
$60/year — flat, no percentages
How it works
Invoice, send, get paid — keep everything.
No payment processing. No percentage fees. Your client pays you directly via PayNow or bank transfer.
Create an invoice in 30 seconds
Add your client, line items, GST if you need it. Done. No chart of accounts, no onboarding wizard, no "connect your bank".
Send it — PayNow QR included
PayNow QR, bank details, and payment instructions auto-included. Client pays directly to your account. You keep 100%.
Get notified, mark as paid
Automatic reminders if they're late — 3, 10, and 30 days past due. Professional, gentle, includes the PayNow QR again. You do nothing.
Compare
The math speaks for itself
If your clients pay by bank transfer or PayNow, here's what you're actually paying each tool.
WorkInvoice | Stripe | PayPal | Wave | |
|---|---|---|---|---|
| Cost on SGD 5k/month | SGD 5 | ~SGD 170 | ~SGD 195 | ~SGD 145 |
| Cost on SGD 10k/month | SGD 5 | ~SGD 340 | ~SGD 390 | ~SGD 290 |
| PayNow QR | ||||
| GST-compliant | ||||
| Card required | ||||
| You keep | 100% | 96.6% | 96.1% | 97.1% |
Features
Built natively for
Singapore freelancers.
IRAS-compliant, PayNow-ready, and all for SGD 5/month flat. No hidden fees, no percentage on your earnings.
GST-compliant tax invoices
All 11 mandatory IRAS fields for GST-registered businesses, automatically formatted. Non-GST invoices use the simpler format. No compliance headaches.
PayNow QR — amount locked
QR encodes exact invoice amount and reference. Client scans in DBS, OCBC, or UOB — no manual entry, no wrong payments. Money goes straight to your account.
Automated payment reminders
Emails your client 3, 10, and 30 days after the due date. Gentle, professional, includes the PayNow QR again. You do nothing.
Recurring invoices
Retainer clients? Set any invoice to repeat monthly, quarterly, or annually. WorkInvoice clones and sends it — you get a preview 24h before.
Invoice tracking dashboard
See which invoices are draft, sent, overdue, or paid. Unpaid total sits at the top. No spreadsheet needed.
Tax season ZIP export
One click in March/April: download all invoices as a ZIP of PDFs. Your accountant or IRAS filing assistant will love you.
Pricing
Start free. Upgrade when you're ready.
No credit card required to get started. The average Singapore freelancer saves $1,700+/year switching from Stripe.
- 3 invoices total
- 3 clients
- PayNow QR generation
- PDF export
- GST-compliant invoices
- Automated reminders
- Recurring invoices
- Tax season ZIP export
- Custom logo + branding
- Unlimited invoices
- Unlimited clients
- PayNow QR generation
- Bank transfer details
- GST-compliant tax invoices
- Automated reminders (3, 10, 30 days)
- Recurring invoices
- PDF export
- Tax season ZIP export
- Custom logo + brand colour
- Unlimited invoices
- Unlimited clients
- PayNow QR generation
- Bank transfer details
- GST-compliant tax invoices
- Automated reminders (3, 10, 30 days)
- Recurring invoices
- PDF export
- Tax season ZIP export
- Custom logo + brand colour
No credit card required · Cancel anytime · Upgrade or downgrade at any time
What freelancers are saying
“I was paying Stripe $140 a month to invoice clients who pay me by PayNow. Switched to WorkInvoice and that $140 is just… mine now.”
Freelance developer
Singapore
“The PayNow QR on the invoice is the thing. Clients scan it and pay in 30 seconds. No more chasing.”
Graphic designer
Singapore
“I teach tuition. 14 students, $400 each. The math on Stripe fees was embarrassing. $5 flat is a no-brainer.”
Private tutor
Singapore
Why this exists
“I'm a freelance developer in Singapore. My clients pay me by PayNow or bank transfer — yet every invoice I sent through Stripe quietly skimmed 3% off the top. For one $5,000 retainer, that's $150 a month gone for no reason.
Stripe is great when you actually need to accept cards. For everyone else, it's a tax on getting paid. WorkInvoice is the tool I wished existed: clean invoices, PayNow QR built in, professional PDFs, payment reminders — and a flat $5/month. No percentages. Ever.”
FAQ
Questions you're going to ask
Stop paying for nothing.
Start in 30 seconds.
14-day free trial. No credit card required. Cancel anytime.
Login or start invoicing →