2.7% card fee
1% bank transfer fee
1% stablecoin fee
Monthly fee
$0
$30-235
$19-60
$0-19
$25-90
Card payment rate
2.7%
2.99%
2.9% + $0.30
2.9% + $0.60
2.9% + $0.30
Bank transfer rate
1%
Varies
1%
1%
Varies
Payout speed
Same day
2-5 days
2 days
2-7 days
Varies
Payment methods
Cards
Bank Transfers
(ACH/SEPA)
Stablecoins
(USDC/USDT)
Cards and Bank Transfers
Cards and Bank Transfers
Cards and Bank Transfers
Cards and Bank Transfers
Currencies
135+
Limited
None
No
Supported
Payout destination
Straight to your bank account or crypto wallet
Their platform
Their platform
Their platform
Varies
Platform holds
None
Standard
Standard
High risk
Standard
Invoice limits
Unlimited
Unlimited
5 clients (Lite)
Unlimited
20 invoices (Starter)
Accounting sync
Quickbooks and Xero
Extra platforms available on request
Only Quickbooks
Paywalled
Manual
Only Xero
Customer support
Humans
Online
Online
Online
Nate Elliott, Head of Operations Airfoil
Why Acctual
Get more money every month, without another subscription
No monthly subscription
Send unlimited invoices to infinite clients (no subscriptions or monthly fees).
More payment options
Accept cards, bank transfers and stablecoins. Convert to your favorite currency.
Same day settlement
Skip the platform holds. Send funds straight to your bank account or crypto wallet.
Automated reconciliation
Sync every paid invoice straight to your QuickBooks or Xero account, automatically.
"Acctual replaced my convoluted invoicing process with three clicks. I’m a huge fan."
Rafael Canseco, Odisea Labs
Get paid today
FAQs
What does Acctual cost per month?
$0/month. There's no subscription fee. You pay only when a client pays you: 2.7% on card payments and 1% on bank transfers. Nothing else.
Is there a free trial I need to sign up for?
No, there's nothing to trial. Acctual is free to use at $0/month and you don't need a credit card to create an account. You send invoices, your clients pay and you pay a transaction fee only when money comes in.
How much do I actually keep when a client pays?
On a $1,000 card payment you keep $973 (2.7% fee = $27). On a $1,000 bank transfer you keep $990 (1% fee = $10). There are no additional fees on top of those rates and no per-transaction dollar charge.
Are there any fees for international payments?
Yes, two add ons apply internationally. International cards carry an additional 1.5%, and currency conversion adds 1%. Everything else stays the same worldwide: $0/month, 2.7% on domestic cards, 1% on bank transfers.
Are there any hidden fees?
No. The only charges are 2.7% on card payments and 1% on bank transfers, plus the international add-ons noted above. There are no setup fees, withdrawal fees or inactivity fees.
How do Acctual's rates compare to FreshBooks or Stripe?
Acctual charges $0/month and 2.7% flat on card payments with no monthly fee or per-transaction dollar charge. FreshBooks charges $19–$60/month plus 2.9% + $0.30 per card transaction. Stripe charges 2.9% + $0.30 per transaction. On bank transfers, Acctual's rate drops to 1%.
Is the $0/month pricing a limited time offer?
No. The $0/month pricing is how Acctual works. It's the standard model, not a trial or promotional period.
How many invoices can I send?
Unlimited invoices to unlimited clients at no extra cost. You pay a small fee only when a client pays you.
Where does my money go when a client pays?
Straight to your connected bank account, same day. There's no platform hold or intermediate balance. The money moves from your client to your bank.
