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The easy way to get paid
No credit card required. Cancel anytime.
With FreshBooks Payments, your billing and accounting workflow just clicks
Create professional invoices, make it easy for clients to pay, and keep cash flow predictable as your business grows.
STEP 1
Create invoices
Create polished invoices that build trust and reflect how you work-whether it’s one-off projects, deposits, retainers, or recurring billing.
Flexible invoicing
Bill your way with one-time, recurring, or deposit-based invoices.
Accurate by default
Track time and expenses, then turn them into invoices in a few clicks-no missed billables.
Payments that do more for your business
Secure the revenue you earned, faster, with new payment methods and integrated financial services designed to fuel your growth.
Buy Now, Pay Later
Let your clients pay for your work over time, while you get paid upfront. It's a win-win: flexible for them, and risk-free for you.
Learn More
Unlock 24/7 cash flow with Instant Payouts
Access your earnings in minutes, 24/7, even on weekends and holidays, so you can cover expenses and keep your business moving.
Learn More
Unlock working capital when you need it
Stripe Capital gives eligible FreshBooks Payments users fast access to small business financing based on their payment history. Use it to smooth out cash flow, take on bigger projects, or invest in your next great idea, while you pay your financing through a portion of your daily sales*.
Learn MoreAdvanced Payments: a better virtual terminal
- Securely save client cards on file for future billing.
- Set up automated recurring billing profiles for repeat services.
- Create subscription-based client profiles with predictable, automatic payments.
Checkout links: Accept payments…fast!
- Get paid without creating an invoice.
- Accept credit cards and bank transfers online.
- Automatically send receipts and record payments in FreshBooks.
Unlock working capital when you need it
Stripe Capital gives eligible FreshBooks Payments users fast access to small business financing based on their payment history. Use it to smooth out cash flow, take on bigger projects, or invest in your next great idea, while you pay your financing through a portion of your daily sales*.
Learn MoreHow it works
1
Choose how you want to get paid
Set your invoice preferences by easily enabling the secure payment methods your clients use most. From credit cards, to ACH or Buy Now, Pay Later.
2
Clients pay effortlessly and securely
Your clients receive a professional, branded invoice, with an easy-to-use checkout page for a smooth payment experience.
3
Everything updates automatically
Once paid, transactions are instantly recorded and reconciled against your invoice. Your dashboard and reports update automatically, giving you a clear, accurate view of your cash flow.
Security that never clocks out
FreshBooks Payments powered by Stripe encrypts every transaction and processes it in a PCI-compliant environment to protect you from fraud, deliver secure online payments, and keep your clients’ data safe. Our built-in fraud protection and 365-day reliability help you look consistent, professional, and trustworthy.
Simple, transparent pricing
with no hidden fees
Clear rates on every transaction, with no setup costs or surprise fees, backed by best-in-class security.
CREDIT AND DEBIT CARDS
Starting at 2.9% + $0.30 per transaction
See detailed transaction fees in our Help Center
BANK TRANSFERS
1% per transaction
ACH Only Available for US Customers
BUY NOW, PAY LATER
6% + $0.30 per transaction
Subject to eligibility
INSTANT PAYOUT
1.5% transaction fee
Pay only when you use this service.
Want even lower transaction rates?
Our FreshBooks Select plan could be the right fit. Get preferred credit card and debit card rates, dedicated Select support, customized training for your team, and a payments setup designed for your growing business.
More About Select Plan
We also accept PayPal, starting at 2.9% + $0.30 per transaction.
Frequently Asked Questions
Turn on FreshBooks Payments powered by Stripe in your account settings, then enable online payments on your invoices. Your clients will see a “Pay Now” button and can pay instantly by credit or debit card. Payments are processed securely and recorded automatically in FreshBooks, so you always know what’s been paid and what’s still outstanding.
When you send an invoice with online payments enabled, your client chooses how they want to pay: by card, bank transfer, digital wallet, or Buy Now Pay Later (subject to eligibility). Once they pay, the transaction is processed through FreshBooks Payments, securely encrypted, and automatically matched to the invoice and your reports. You get a clear, real-time view of your cash flow without manual data entry.
Yes. With FreshBooks Payments, you can set up recurring invoices and automatic payments for clients you bill on a regular schedule. Store a client’s card on file (with their permission), create a recurring billing profile, and FreshBooks will charge them automatically on the dates you choose, no more chasing payments.
credit and debit cards
- bank transfers (ACH in the US, PAD in Canada)
- digital wallets like Apple Pay and Google Pay
- Buy Now, Pay Later (BNPL) with Affirm (subject to eligibility)
These options are powered by Stripe and other integrated partners, allowing you to offer flexible, modern payment experiences from a single platform.
FreshBooks Payments uses Stripe’s global infrastructure and industry-leading security standards to help keep every transaction safe. All payment information is encrypted, processed in a PCI-compliant environment, and never stored in plain text. This helps protect your business from fraud and gives your clients confidence every time they pay you online.
All FreshBooks features
*Stripe Capital offers financing types that include loans and merchant cash advances. All financing applications are subject to review prior to approval. In the US, Stripe Capital loans are issued by Celtic Bank, and YouLend provides Stripe Capital merchant cash advances.
*Stripe Capital loans have a minimum amount due each payment period. If the amount that you pay through sales doesn’t meet the minimum required, your bank account will be automatically debited the remaining amount at the end of the period.
