For freelancers, creators, and teams everywhere.

Stop chasing. start getting paid.

Settle brings contracts, invoices, payments, clients, and follow-ups into one place, so your business stays organized without taking over your day.

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usesettle.xyz/i/INV-2026-0042
AO

Ada Obi Studio

Brand & product design

Paid

INV-2026-0042

Billed to

Kola Ventures Ltd

Due

Jul 28, 2026

Brand identity design₦450,000
Logo & style guide₦180,000
Social media kit₦120,000
Subtotal₦750,000
VAT (7.5%)₦56,250
Total₦806,250

If this sounds like you

You're not the problem. Your tools are.

I make the invoice in one app, send it from another, and keep track of who's paid in my head. That's fine until four people owe me at once.

The designer with ten clients.

The scope was just a WhatsApp message. So when the client argued about the bill, I had nothing to show them. I let it go.

The dev who skipped the contract.

The “serious” tools are built for companies with a finance team. Way too many features I'll never use, and no time to figure them out.

The freelancer who tried “proper” software.

Contracts

Get signed before you start.

Replaces Word docs, WhatsApp terms

Start from a template or write your own. Your client signs online, you both get a copy, and everything is in writing before the work starts.

Start with contracts

Invoices & payments

No invoices left to chase.

Replaces Canva, a payment link, a spreadsheet

Send an invoice that looks like your brand. Your client pays the way they want, in their currency or yours. You see the moment it goes from sent to paid.

Start invoicing

Reminders & receipts

We chase, you don't.

Replaces manual follow-ups, calendar nudges

When a payment runs late, Settle follows up for you on a schedule you set. Waiting on a contract to be signed? It can chase that too. And when an invoice is paid, the receipt goes out on its own. No awkward texts, no extra work.

See how reminders work

And everything else

Everything getting paid should involve. Nothing it shouldn't.

Custom branding

Put your logo, colors, and fonts on every contract, invoice, and receipt. It all looks like you.

Multi-currency

Bill in your currency or theirs. Your client sees a payment page in the currency that makes sense to them.

Recurring invoices

Have a retainer client? Set the invoice up once and we'll send it for you every month.

Matching receipts

The moment an invoice is paid, we send the receipt for you. No extra step, no paperwork to track.

No matter where you work

A tool that doesn't assume you're in San Francisco.

Most invoicing tools were built for one country, then bolted on the rest of the world later. We did it the other way round. Take card, bank transfer, cash, mobile money, or stablecoins. Bill in Naira, Rand, Rupees, Pesos, Reais, Pounds, or Dollars. Local clients, international clients, or a mix of both. However you work, Settle works with you.

  • Card
  • Bank transfer
  • Cash
  • Mobile money
  • Paystack
  • Flutterwave
  • Stripe
  • USDC

The math

One tool. A fraction of the cost.

Most freelancers pay for three or four tools to do what Settle does in one.

Your current stack

  • Invoicing & bookkeeping (like QuickBooks)$20
  • Contracts & e-signatures (like DocuSign)$15
  • A design tool for invoices (like Canva Pro)$15
About$50/mo

Plus the hours you lose stitching them together.

With Settle

Contracts, invoices, payments, reminders, and receipts. All in one place, on one bill.

$0to start · $4/mo for Pro
  • Branded contracts, invoices & receipts
  • Automatic invoice and contract reminders
  • Local & multi-currency payments
  • One dashboard for every client
Start free

Pricing

Start free. Upgrade when you outgrow it.

Cancel anytime. Local currency pricing where supported.

Free

$0Forever

For freelancers just starting out.

Sign up free
  • Up to 5 invoices a month
  • Up to 3 clients
  • 2 contract and invoice templates
  • Manual reminders
  • Single currency
  • "Powered by Settle" footer on invoices
Most popular

Pro

$4per month

For freelancers and creators who invoice regularly.

Start with Pro
  • Unlimited contracts and invoices
  • Unlimited clients
  • Full brand customization
  • Automatic reminders
  • Multi-currency
  • Recurring invoices
  • All major payment rails
  • No "Powered by" footer

Business

$9per month

For agencies and small teams.

Start with Business
  • Everything in Pro
  • Up to 3 team members
  • Client portal
  • Bulk invoicing and contracts
  • Custom payment terms
  • WhatsApp and SMS delivery
  • Priority support

Your first week

Set up today. Paid this week.

Here's how the first week usually goes, from your first contract to money in the bank.

  1. Today

    Set up in minutes

    Add your logo, choose a template, and send your first contract and invoice. No card needed.

  2. Day 3

    Your client signs and pays

    They sign online and pay in their own currency. You get a notification the moment the money lands.

  3. Day 7

    We take over the chasing

    Late invoices get friendly reminders on their own. Receipts send themselves. You get back to the actual work.

Questions

Things people ask before signing up.

How is this different from other invoicing tools?

Most tools only do invoicing. You still need something else for contracts, something else for international payments, and your own memory for chasing late clients. Settle puts the whole thing in one place, and it looks like your brand instead of a generic template.

Do I really need to sign up to try it?

Yes, but the free plan is genuinely free. You can send 5 invoices a month for as long as you like, and we never ask for a card.

Can I send invoices and contracts to clients in other countries?

Yes. You can bill in any major currency and accept card or bank transfer. Your client sees a payment page in a currency that makes sense for them.

Are the contracts legally binding?

In most countries, yes. Electronic signatures are recognized in places like the US, the UK, the EU, Nigeria, India, and Australia. We record a timestamp, IP address, and full audit trail, the same way the big e-signature tools do. For high-value work, it's still smart to have a lawyer look over the wording.

How do automatic reminders work?

When an invoice is overdue, Settle emails your client a friendly reminder for you. It starts with a sensible default of 3, 7, and 14 days late, but you pick the days yourself, rewrite the wording, or turn it off completely. Unsigned contracts can send their own reminders too. Everything goes out from your email address, not ours.

I'm a freelancer with two clients. Is this overkill?

Probably. Stay on Free, send your invoices, ignore the rest of the product. Come back when you have ten clients and three of them are late.

You've read this far.

Sign up, send your first contract, and stop chasing payments. Free for as long as you want.

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