Can I use invoicing software without paying a percentage of every invoice?
Yes: distinguish the software provider’s invoice percentage from payment processing. A product can charge a subscription and no additional platform percentage while card or bank-processing fees still apply.
Separate the three costs
A subscription pays for access to the software. A platform percentage is an additional cut charged by that software provider. Processing fees pay for the payment transaction and can depend on payment method, country, currency and your provider agreement.
- Read the subscription price and billing interval.
- Ask whether the software adds its own percentage or transaction fee.
- Check the processor’s current rate and any fixed charge.
- Check currency conversion, disputes, refunds and other applicable costs.
Use the right denominator
For a fictional $1,000 payment, a 1% software fee would be $10. Removing that fee saves only that $10; it does not remove a processor’s separate charge. This is arithmetic, not a quote for any provider. Use your actual collection volume when comparing costs.
Moolamochi’s published policy
No Moolamochi plan takes an invoice percentage fee on new collections. Solo costs $29 monthly or $290 billed yearly, and every plan collects client payments in your own connected Stripe account. Actual processing fees apply, and earlier payments retain their historical fee records.
Access and trial expectations
New workspace subscriptions are offered to businesses in the United States and Japan. The seven-day trial requires a credit card in secure Stripe Checkout, and your selected monthly or annual subscription renews automatically unless canceled before the trial ends. Creating an account or joining the waitlist does not charge a card or start a trial.