Stop paying 3.4%
to get paid by bank transfer.
If your Singapore clients pay you by PayNow or FAST transfer, a card processor's percentage buys you nothing. Keep 100% of every invoice. SGD 5/month flat.
The problem
You're paying for card processing you don't need.
Figures are each provider's published card-processing rate as at September 2026and assume your client pays by card. Rates change and vary by card type — check the provider's own pricing page before you decide.
Card processing costs 3.4% — even when you didn't need a card
Stripe's Singapore card rate is 3.4% + $0.50. Invoice $5,000 a month and get paid by card, and that's about $170 a month, roughly $2,040 a year. If your client was always going to send a PayNow or FAST transfer, you paid for card processing you never used.
PayPal and Square aren't cheaper
Published card rates: PayPal Invoicing 3.9% + $0.50, Square 3.3%, Wave 2.9% + $0.60. They charge a percentage because they move the money. When your client pays you by PayNow, nobody needs to.
The percentage scales with you; a flat fee doesn't
A tuition teacher with 15 students at $400 a month would pay around $174 a month in 3.4% card fees. A consultant billing $10,000 a month, around $340. Your invoicing doesn't get harder as the numbers get bigger — so your bill shouldn't either.
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
An estimate, not a quote. It assumes every invoice is paid by card at the provider's published Singapore rate as at September 2026, and that your clients pay you by PayNow or bank transfer on WorkInvoice. If your clients pay by card, WorkInvoice cannot help you — we do not process card payments. Providers' rates change and vary by card type and plan, so check their pricing before switching.
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, and GST if you're registered. No chart of accounts, no "connect your bank" — just a two-step setup the first time.
Send it — PayNow QR included
Download the PDF and send it however you already do: email, WhatsApp, Telegram. The PayNow QR has the amount and invoice number filled in, and your client pays straight into your account.
Mark it paid
When the money lands, mark the invoice paid. Your dashboard shows what's still outstanding. Automatic reminders are planned, not built yet.
Compare
The math speaks for itself
If your clients pay by bank transfer or PayNow, here's what you're actually paying each tool.
| What you are comparing | 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 on the invoice | Yes | No | No | No |
| Client needs a card to pay | No | Yes | Yes | Yes |
| You keep | 100% | 96.6% | 96.1% | 97.1% |
How we worked this out. Costs assume every invoice is paid by card at each provider's published Singapore card rate as at September 2026 — Stripe 3.4% + $0.50, PayPal 3.9% + $0.50, Wave 2.9% + $0.60 — and that WorkInvoice invoices are paid by PayNow or bank transfer, which no one charges a percentage on. If your clients pay you by card, these tools cost less than the table suggests and WorkInvoice will not help you, because we do not accept card payments at all. Rates change; check each provider's pricing page.
Features
Built natively for
Singapore freelancers.
PayNow-ready, laid out for IRAS, and SGD 5/month flat. No hidden fees and no percentage of your earnings. Anything marked Planned is on the roadmap and not available yet.
Tax invoices laid out for IRAS
Every field IRAS expects on a tax invoice, in the right place — invoice number, dates, your details and GST number, the client's details, line items, GST and total. Not GST-registered? The simpler format is used instead.
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 remindersPlanned
Planned: email your client 3, 10 and 30 days after the due date, with the PayNow QR attached again. Not built yet — don't buy for this.
Recurring invoicesPlanned
Planned: set an invoice to repeat monthly, quarterly or annually for retainer clients. Not built yet — don't buy for this.
Invoice tracking dashboard
See which invoices are draft, sent, overdue, or paid. Unpaid total sits at the top. No spreadsheet needed.
Tax season ZIP exportPlanned
Planned: download every invoice for the year as a ZIP of PDFs in one click. Not built yet — today you export invoices one at a time.
Pricing
Start free. Upgrade when you're ready.
No credit card required to get started. How much you save depends on your volume and what you use today — work it out with the calculator above.
- Included: 3 invoices total
- Included: 3 clients
- Included: PayNow QR generation
- Included: Printable PDF invoices
- Included: Tax-invoice layout for IRAS
- Included: Upload your own PayLah! QR
- Included: Your logo on invoices
- Not included: Unlimited invoices and clients
- Unlimited invoices
- Unlimited clients
- PayNow QR generation
- Bank transfer details on invoices
- Tax-invoice layout for IRAS
- Printable PDF invoices
- Upload your own PayLah! QR
- Custom logo on invoices
- Automated remindersPlanned
- Recurring invoicesPlanned
- Tax season ZIP exportPlanned
- Unlimited invoices
- Unlimited clients
- PayNow QR generation
- Bank transfer details on invoices
- Tax-invoice layout for IRAS
- Printable PDF invoices
- Upload your own PayLah! QR
- Custom logo on invoices
- Automated remindersPlanned
- Recurring invoicesPlanned
- Tax season ZIP exportPlanned
No card required, and nothing renews automatically — paid plans are paid by PayNow and activated by us, usually within one business day. Changed your mind? Full refund within 14 days, no questions asked. See our Refund Policy and Terms.
Why this exists
“I'm a freelance developer in Singapore. Most of my clients pay by PayNow or bank transfer, so the card-processing rate I was set up to pay bought me nothing — on a $5,000 retainer that's around $170 a month for a card nobody used.
Stripe is genuinely good when you need to accept cards — if your clients pay by card, use it. WorkInvoice is for the rest of us: clean invoices, PayNow QR built in, professional PDFs, and a flat $5/month with no percentage of what you bill.”
FAQ