Invoicing Solutions

★★★★★ 5.0 · Faster invoices · Smarter follow-up · Better collections

Invoicing built for
businesses that want
to get paid faster

Every business invoices differently. Some need simple payment links, some need recurring billing, some need ACH and dual pricing. We match the right invoicing solution to how you actually bill — and back it with the merchant account underneath.

Book a Free Consult → Apply Now

Card + ACH · Recurring · Text-to-Pay · QuickBooks-ready

45+ days → under 20 ACH at ~1% capped Auto-reminder workflow Dual pricing supported

250+

Tampa Bay Merchants

ACH

~$0.50 vs 2.9%

24hr

Next-Day Funding

5.0★

Google Rating

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No One-Size-Fits-All

Flexible invoicing systems built around your workflow

Whether you're a freelancer, a small business, or a larger enterprise, we provide flexible and scalable invoicing systems to help you bill more efficiently, reduce manual effort, and make it easier for clients to pay. Some businesses need a simple invoicing tool. Others need recurring billing, customer vaulting, accounting integrations, text-to-pay, or deeper automation.

Custom invoice options Match your brand and billing style

Recurring billing Automate repeat invoices and payments

Card + ACH support Give clients more ways to pay

Real-time visibility Track sent, viewed, and paid invoices

Invoicing Platforms Compared

Most invoicing software is a payment service in disguise. The payment fees are where they make their money.

QuickBooks Payments, Stripe, PayPal, FreshBooks — they all advertise their invoicing as "easy" or "free," but they bundle expensive payment processing on top. The invoicing is free; getting paid costs you 2.9% + 30¢ minimum, often more.

There's a better way: a real invoicing platform paired with interchange-plus processing, ACH at $0.50, and dual pricing where the customer covers the fee.

Get a Rate Comparison → Book a Consult

QuickBooks Payments

2.9% + 30¢ keyed · 2.5% + 30¢ swiped · Flat rate, no transparency

Expensive

Stripe Invoicing

2.9% + 30¢ · Slick UI · Same flat-rate trap as everyone

Pricey

PayPal Invoicing

3.49% + 49¢ · Worst of the bunch · Customers wary of the brand

Worst

FreshBooks / Wave

Free or low-cost · Payments still 2.9%+ · Limited automation

Solo only

Tampa Bay Pay + BillerGenie

Interchange-plus · ACH at ~$0.50 · Dual pricing · Auto-reminders · QB sync

Built right

Invoicing Features

Eight ways to invoice
and get paid faster

Each feature solves a specific bottleneck. Most merchants use a mix of these.

1 / 8

Feature 01Send

⭐ Start Here

Invoice #2847

Website redesign$2,400.00

Logo design$600.00

Total$3,000.00

PAY BY CARD OR ACH

Feature 01 — Send Your First Invoice

Send Professional Invoices

Branded · Mobile-friendly · Pay in one click

A modern invoice should look like it came from your business and let the customer pay in under 60 seconds. Custom branding, your logo, your colors, your payment terms, your taxes — all configured during setup. Customer opens the invoice email or text, taps "Pay Now," picks card or ACH, done. Receipt goes to both sides, the invoice marks paid in your system.

Branded with your logo, colors, business address
Mobile-responsive — opens cleanly on any device
Pay button on the invoice — no separate login required
Card and ACH both available — customer picks
Auto-receipts sent to both parties on payment

Set Up Invoicing → Apply Now

Feature 02Recurring

Set + Forget

Monthly Retainer Schedule

Jan 1$2,500 ✓

Feb 1$2,500 ✓

Mar 1$2,500 ✓

Apr 1$2,500 scheduled

ZERO MONTHLY EFFORT

Feature 02 — Recurring Invoicing

Recurring Invoicing

Retainers · Memberships · Subscriptions

Set the schedule once. Invoices auto-create, payments auto-run, receipts auto-send. Failed payments retry automatically and notify the customer to update their payment info through a secure self-service portal. Most merchants who switch from manual recurring billing to automated see their monthly admin time drop from hours to zero.

Weekly, monthly, quarterly, annual, or custom schedules
Tokenized card-on-file or ACH storage (PCI-compliant)
Failed payment auto-retry with customer notification
Self-service portal for customers to update info
Pause, resume, or modify any time

Set Up Recurring → Recurring Billing

Feature 03ACH

Big B2B Savings

$10K Invoice — Card vs ACH

Card fee (2.9% + 30¢)$290.30

ACH fee~$0.50

SAVE ~$290 PER INVOICE

Feature 03 — ACH on Invoices

ACH Payment on Invoices

B2B's lowest-cost option

Cards cost 2.9% of the invoice; ACH costs about $0.50 or ~1% capped. On a $10,000 invoice, ACH saves $290 vs card. On $25,000, it saves $725. For B2B work, most customers actually prefer ACH because they don't have to think about card limits or expiration dates. The invoice payment page shows both card and ACH; the customer picks. Most pick ACH when the invoice is large.

ACH at ~$0.50 per transaction or ~1% capped
Card and ACH both shown on the same invoice link
Customer picks their preferred method at checkout
ACH funds clear in 1-3 business days
Same auto-reconciliation as card payments

Enable ACH → Merchant Services

Feature 04Text-to-Pay

4× Faster Collection

Customer Phone

Hi Lisa, your invoice from Jay's Plumbing is ready: tampabaypay.link/inv8472

TAP · CHOOSE PAYMENT · DONE

Feature 04 — Text-to-Pay

Text-to-Pay Invoice Links

The fastest invoice delivery method we offer

Email invoices get buried, deleted, or forgotten. Text invoices land in the same place customers check 47 times a day. Industry data shows SMS invoices get paid roughly 4× faster than emailed invoices. Especially powerful for service businesses where the work was just done and the customer's wallet is still out — finished the job, tapped "send invoice," paid before the truck pulls away.

Send invoice via SMS to customer's phone
Secure payment link — opens checkout in one tap
Card and ACH both available on the linked page
Faster collection than email — industry estimate 4×
Works great for service businesses with on-site work

Set Up Text-to-Pay → Mobile Payments

Feature 05Dual Pricing

$0 Card Fees

Invoice Payment Options

💵 Cash / ACH$2,500.00

💳 Credit Card$2,600.00

CUSTOMER COVERS THE CARD FEE

Feature 05 — Dual Pricing

Dual Pricing on Invoices

Customer covers the card processing fee

Show two prices on your invoice — a cash/ACH price and a card price. If the customer chooses card, they cover the processing fee directly, meaning the card transaction costs you effectively $0 in fees. Cash and ACH payments collect at the lower price. Fully compliant with card brand rules; the customer always has a no-fee option (ACH), so it's never coercive. Saves serious money on high-ticket B2B invoices.

Two prices shown clearly on every invoice
Customer picks payment method at checkout
Card customers pay the processing fee directly
Cash and ACH customers pay the lower price
Card brand compliant when set up correctly

Enable Dual Pricing → Dual Pricing Details

Feature 06Reminders

Auto-Dunning

Auto-Reminder Schedule

Day 0Initial invoice sent

Day 3Friendly reminder email

Day 7Second reminder + text

Day 14Past-due notice

Day 30Final notice + alert you

Feature 06 — Automated Reminders

Automated Payment Reminders

Customers chase themselves so you don't have to

The #1 reason invoices go unpaid isn't customer unwillingness — it's that the invoice got buried. Automated reminders fix that. Set a sequence: friendly nudge at day 3, second reminder at day 7, past-due notice at 14, final alert at 30. The system handles the entire dunning cycle so you focus on your business, not chasing payments. Most merchants who switch from manual follow-up to automated cut their average days-to-payment in half.

Custom reminder schedule per invoice or customer type
Email + SMS reminder combinations
Tone matches your brand — friendly, professional, firm
Stops automatically when invoice gets paid
Notifies you when invoice is past 30 days

Set Up Reminders → Talk to Us

Feature 07Portal

Self-Service

Customer Portal — Lisa's Dashboard

→Invoice history (all paid + open)

→Update card on file

→Pause / cancel subscriptions

→Download receipts & PDFs

CUSTOMERS HELP THEMSELVES

Feature 07 — Customer Self-Service

Customer Self-Service Portal

Less back-and-forth, fewer support calls

A self-service portal where customers can view their invoice history, update payment info, manage recurring subscriptions, and download receipts — without calling you. For recurring billing especially, this eliminates the constant "can you update my card?" requests that eat up phone time and create chargeback risk when expired cards fail. Customer gets locked-out card? They log in, update it, done. No phone call needed.

Full invoice history (paid, open, past-due)
Card on file management — customer updates directly
Subscription controls — pause, modify, cancel
Download receipts and PDFs for accounting
Eliminates most "update my card" support calls

Set Up Portal → Recurring Billing

Feature 08Reporting

Cash Flow Visibility

Outstanding AR Snapshot

Sent (not opened)$4,200

Viewed (not paid)$8,700

Past 30 days$2,150

Total Open$15,050

Feature 08 — Real-Time Reporting

Real-Time Invoice Tracking

Know exactly what's pending and where

A dashboard that shows you what's been sent, what's been viewed, what's been paid, and what's overdue — at any moment. No more "I think we sent that invoice last month?" The aging breakdown shows your current AR by age (0-30, 30-60, 60+) so you know which invoices need attention. Most merchants pull this report Monday morning to set the week's collection priorities.

Sent, viewed, paid, past-due statuses in real time
AR aging breakdown (0-30, 30-60, 60+ days)
Customer-level outstanding balances
Export to Excel, PDF, or sync to QuickBooks
Weekly summary email of AR status (optional)

See the Dashboard → QuickBooks Sync

Most merchants use a mix of these features. We help you pick the right combination based on how you actually bill — service work, B2B, recurring, subscriptions, or a hybrid.

Match My Setup →

What You Get

Invoicing tools built for the way your business bills

We offer multiple invoicing software options depending on your goals, your industry, and how you collect payment. That means you get a solution that fits your workflow instead of forcing your workflow to fit the software.

🧾

Customizable templates

Choose invoice templates that reflect your brand and fit the way you present services, deposits, payment terms, and billing details.

🔁

Automated invoicing

Set up recurring invoices to save time, reduce manual effort, and keep repeat billing consistent.

💳

Multiple payment options

Let clients pay by credit card, ACH, bank transfer, or other available methods directly from the invoice.

📍

Real-time tracking

Monitor invoice status so you know what has been sent, viewed, paid, or is still outstanding.

🔒

Secure and reliable

Your data is handled through secure systems designed to protect transactions and reduce payment friction.

🔗

Seamless integration

Many invoicing solutions can integrate with your existing accounting software and payment systems for a cleaner workflow.

Why businesses upgrade their invoicing setup

Manual invoicing takes too much time
Clients need easier ways to pay
Recurring billing is inconsistent or messy
Payment tracking is unclear
Current software no longer fits the business
They want invoicing tied more closely to payments

Who this works well for

Freelancers and consultants
Small businesses and service providers
Larger companies with repeat billing needs
Businesses using accounting software like QuickBooks
Merchants needing both card and ACH options
Companies wanting less admin work around collections

How It Works

We help match the invoicing software to your actual needs

Not every business needs the same invoicing system. Some need simple payment links. Some need recurring billing. Some need better reporting or deeper accounting integration. We help you sort through that and choose the right fit.

STEP 01

Review your current billing process

We look at how you invoice today, how clients pay, and where delays or friction are happening.

STEP 02

Recommend the right invoicing setup

We match the invoicing software to your business type, payment methods, and operational needs.

STEP 03

Streamline billing and collections

Once set up, you can invoice faster, track payments more clearly, and make it easier for clients to pay you.

Frequently Asked Questions

Invoicing — answered

What's the best invoicing software for a small business?

It depends on what you actually need. For freelancers and solo operators doing under ~$5K/month in invoices, FreshBooks or Wave can work fine. For service businesses, contractors, and B2B companies invoicing more than that, BillerGenie Premium paired with a real merchant account saves real money — interchange-plus pricing, ACH collection, automated reminders, and direct QuickBooks sync. We help merchants pick the right one based on volume, payment mix, and accounting setup.

Can clients pay invoices with ACH?

Yes, and ACH is usually the smartest choice for invoiced B2B work. ACH (bank-to-bank transfer) typically costs around $0.25-$1.00 per transaction or about 1% capped, vs. 2.5-3.5% for credit cards. On a $10,000 invoice, ACH saves $250-$340 over a card payment. Through BillerGenie + PayBright, the invoice payment link offers both card and ACH and the customer picks. Most B2B customers prefer ACH anyway.

How does recurring billing work with invoicing?

Recurring invoices automate the entire monthly billing cycle. You set the schedule (weekly, monthly, quarterly, custom), the customer's payment method on file, and the amount. The system auto-creates the invoice, runs the payment against the stored token, sends a receipt, and marks the invoice paid. Failed payments retry automatically and notify the customer. Customer can self-update payment info through a portal. Common for retainers, memberships, subscription B2B, and ongoing service contracts.

Can I send invoices by text message?

Yes — Text-to-Pay is one of the highest-converting invoice delivery methods. Instead of an email that gets buried, the customer gets a text with a secure payment link. They tap it, choose card or ACH, and pay in under 60 seconds. Industry data shows text-based invoices get paid roughly 4× faster than emailed invoices. Especially useful for service businesses where the customer just had work done and wants to pay right away.

Does it integrate with QuickBooks?

Yes. BillerGenie syncs both directions with QuickBooks Online and Desktop — invoices created in QB push to the customer through BillerGenie, and paid invoices post back to QB automatically with no manual matching. Your bookkeeper sees clean entries in QB; you see one dashboard for collections. We have a dedicated QuickBooks Integrations page that covers this setup in detail.

How quickly do I get paid after an invoice is paid?

Card payments typically deposit in 1 business day with next-day funding (standard for our merchants). ACH payments take 1-3 business days to clear, depending on the originating bank — that's ACH network timing, not us. Once funds clear, deposits hit your bank the same way card deposits do.

What's a customer portal and do I need one?

A customer portal is a self-service login where your customers can see their invoice history, update payment info, manage recurring subscriptions, and download receipts. For one-time service work, you don't need it. For recurring billing, subscriptions, or any business where customers want to see their account history, it's a huge time-saver — customers stop calling to ask about old invoices, and they can update expired cards themselves without contacting you.

Can I customize my invoice template?

Yes. Invoices can include your logo, brand colors, business address, custom payment terms, deposit requirements, line item descriptions, taxes, discounts, and any custom fields your industry needs. The customer-facing invoice should look like it came from your business — not from generic invoicing software. We help configure the template during setup.

⭐⭐⭐⭐⭐

The highest-rated payment solutions team in Tampa Bay

157+ five-star Google reviews · 172 total across platforms

See What You'd Save →

Pairs well with

Find the Right Invoicing Solution

Get paid faster, with less work

No matter your business type, we'll help you choose the right invoicing solution to streamline your billing process and get you paid faster.

Book a Free Consult → Apply Now

Call or Text: (727) 732-3292 · [email protected] · By Appointment Only

Real Merchants · Real Results

What Our Clients Are Saying

Tampa Bay businesses share their experience working with Tampa Bay Pay — from setup through ongoing support.

Joto's Pizza

Jodi Whitcomb, Owner · jotospizza.com

Family-owned for 52 years. Upgraded to FigurePOS — caller ID integration, customizable menus, and a system staff learn fast without extensive training.

Restaurant FigurePOS Seminole, FL

Florida Orange Groves Winery

Lance Shooks, Owner · floridawine.com

When QuickBooks stopped processing credit cards, Tampa Bay Pay provided a seamless integration — keeping their existing QuickBooks setup without an expensive POS replacement.

Winery & Retail QuickBooks Integration St. Pete Beach, FL

Plumbing by Paul

Paul & Alycia Alves, Owners · plumbingbypaulllc.com

Tampa Bay Pay goes beyond payment processing — always reachable by phone, text, or email, and a valuable partner for Google SEO, social media, and web support.

Plumbing & Trade Dual Pricing Tampa Bay, FL

Plumbing by Paul

Paul Alves · plumbingbypaulllc.com

Previous provider had frequent errors and slow funding. New setup processes payments reliably in the field and at the office — with next-day funding that's critical for a small business.

Plumbing & Trade Next-Day Funding Mobile Payments

Wrenchmasters

Kenny Gehringer, Owner · wrenchmastersauto.com

Previous processor only offered a 1-800 number. Switched for local support and streamlined technology — now sends invoices and processes tap-to-pay even when internet is spotty.

Auto Service Tampa Bay, FL

Google Reviews · Tampa Bay Pay

The Highest Rated Payment Team in Tampa Bay

Don't take our word for it — here's what local business owners say after switching to Tampa Bay Pay.

5.0

★★★★★

Google Rating
Verified Reviews

Invoicing built forbusinesses that wantto get paid faster