PaySec + Invoice Simple: Zero Processing Fees for Freelancers and Small Businesses
How freelancers and small businesses using Invoice Simple are eliminating credit card processing fees with PaySec's Network Offset Pricing.
For freelancers, independent contractors, and small business owners, getting paid should be the simplest part of the work. You do the job, you send the invoice, you collect payment. Invoice Simple has built its reputation on making that process fast and easy -- professional invoices created in minutes, sent from your phone or computer, with built-in payment options that let clients pay right from the invoice.
But simplicity comes at a cost. Invoice Simple's built-in payment processing charges standard rates of around 2.9 percent per card transaction. For a freelancer billing $10,000 per month, that is $3,480 per year in processing fees. For a small business invoicing $50,000 per month, it is $17,400 annually. Those fees eat directly into the money you worked hard to earn.
PaySec brings zero-fee processing to your Invoice Simple workflow. By using Network Offset Pricing on your invoice payment links, you keep 100 percent of every payment your clients send.
What Is the PaySec + Invoice Simple Integration?
PaySec works alongside Invoice Simple by providing NOP-enabled payment links that you add to your invoices. When a client receives your invoice, they click the payment link and see two options: the invoice amount if paying by ACH or bank transfer, or a slightly higher amount if paying by credit card. The small difference on the card price covers the cost of processing. The client chooses, and you receive the full invoice amount regardless of their payment method.
Network Offset Pricing (NOP) is legal in all 50 states and fully compliant with all major card network rules. You continue to create and manage your invoices in Invoice Simple exactly as you do today. The only change is the payment link, which now routes through PaySec and displays dual pricing.
The Real Cost of Processing Fees for Freelancers and Small Businesses
When you are self-employed or running a lean operation, every dollar counts. Processing fees are one of the expenses that many freelancers accept as a cost of doing business without realizing how much they add up over a year.
| Monthly Invoicing | Processing Rate | Annual Cost |
|---|---|---|
| $5,000 | 2.9% | $1,740 |
| $10,000 | 2.9% | $3,480 |
| $25,000 | 2.9% | $8,700 |
| $50,000 | 2.9% | $17,400 |
For a freelance designer billing $10,000 per month, $3,480 per year in processing fees is a new computer, a professional development course, or a month of rent on a coworking space. For a small service business invoicing $25,000 per month, $8,700 is enough to fund a marketing campaign or hire part-time help.
The problem is amplified for freelancers and small businesses because margins are already tight. Unlike large companies that can absorb processing costs across massive revenue, independent workers feel every percentage point directly in their take-home income.
How Network Offset Pricing Works with Invoice Simple
Here is a practical example. You are a freelance web developer and you send a client a $2,500 invoice for a website project. The client clicks the PaySec payment link and sees:
| Payment Method | Amount |
|---|---|
| ACH / bank transfer | $2,500.00 |
| Credit card | $2,600.00 |
The client chooses their preferred method. You receive $2,500 for the work you performed, with no processing fee deducted from your payment.
Here are more examples across common freelance and small business invoices:
| Invoice Type | ACH Price | Card Price |
|---|---|---|
| Graphic design project | $800.00 | $832.00 |
| Monthly retainer | $3,000.00 | $3,120.00 |
| Photography session | $500.00 | $520.00 |
| Consulting engagement | $5,000.00 | $5,200.00 |
| Handyman service call | $350.00 | $364.00 |
| Marketing deliverables | $1,500.00 | $1,560.00 |
Integration Features
- Invoice Simple workflow preserved: You continue creating and sending invoices through Invoice Simple exactly as you do now
- PaySec payment link: A simple payment link added to your invoices routes clients to a dual pricing payment page
- ACH and card acceptance: Clients can pay by bank transfer at the base amount or by card at the offset amount
- Fast settlement: Payments are deposited to your bank account on a standard settlement schedule
- No minimums: Whether you invoice $500 per month or $50,000 per month, PaySec works with no volume requirements
- PCI Level 1 compliant: The highest standard of payment card data security
- No contracts: Start or stop at any time with no long-term commitment
- Mobile-friendly: Clients paying from their phone see the same clear dual pricing options
Who Benefits Most?
The PaySec + Invoice Simple integration is designed for anyone who sends invoices and wants to keep 100 percent of the payments they receive. It is especially valuable for:
- Freelance designers, writers, and developers billing project-based work where processing fees reduce already negotiated rates
- Independent contractors in construction, trades, and professional services invoicing for completed work
- Consultants billing hourly or project rates where processing fees compound across multiple client invoices each month
- Small service businesses using Invoice Simple as their primary billing tool
- Side-hustle operators who invoice part-time work and want to maximize earnings from every job
- Anyone currently absorbing credit card fees as a cost of doing business and looking for a better option
Getting Started
- Sign up for PaySec. Approval typically takes 3 to 5 business days. There are no contracts and no monthly minimums.
- Add PaySec payment links to your invoices. Replace or supplement your existing Invoice Simple payment links with PaySec NOP-enabled links.
- Clients pay at zero cost to you. From the first invoice paid through PaySec, you keep 100 percent of the amount billed.
Invoice Simple made invoicing free and easy. PaySec makes getting paid free and easy. Together, they create the zero-cost billing and payment stack for freelancers and small businesses that refuse to give away a percentage of every dollar they earn.
Invoice Simple made invoicing free. PaySec makes getting paid free. The zero-cost billing stack for freelancers and small businesses.