No monthly fees
Skip the subscription. Don’t pay for bloated platform features that you won’t use.
Lower card rates
Pay a flat 2.7% on each invoice (the industry standard is 2.9% and 30 cents).
Faster payouts
Send payouts straight to your bank account or crypto wallet, today (not in 48 hours).
More options
Capture card payments, bank transfers, stablecoins and 135+ currencies.
Salvatore Ciccone, Head of Finance Capa
Pay monthly. Get bloated features you never use (plus higher fees on top).
$19-60/month subscription
2.9% + $0.30 per card transfer
Slow two-day payouts
Only cards and bank transfers
Freshbooks holds your funds in a platform balance
Five client limit (Lite plan)
Pay $33/month for accountant access (Plus plan)
Invoice generator
Create a stunning invoice, without another monthly subscription
Don’t pay for features that you never use. Click ‘Create invoice’ to get started with Acctual. Add your customer details and upload your logo to generate a beautiful, branded invoice. Write a short message and hit ‘send’.
“Acctual delivers the cleanest, most polished invoices I’ve seen. It’s simple, efficient and incredibly easy to use."
Akash, CEO Heeko
Payment links
Offer more payment methods and save thousands of dollars
Give each client their favorite method and save cash with lower rates. Our invoices include a secure payment link for credit cards, bank transfers (ACH/SEPA) and stablecoins (USDC/USDT). We’ll convert any funds into your favorite currency. Fees on bank transfers and stablecoins are only 1%.
Fees: 2.7% on card payments and 1% on bank transfers or stablecoins
+1.5% for international cards
+1% for currency conversion
“It was painful to chase customers and check their payment method. Now I can send one invoice with every option and get paid.”
Jesse Friedland, Founder 10am Studios
Direct payouts
Don’t let accounting platforms hold your cash hostage for two days. We send each payout straight to your connected bank account or crypto wallet on the same day. Any problems? Talk to a real human on our support team.
"I used to deal with slow, inconsistent payments. Now clients can pay through ACH, wire, or stablecoins in minutes. Cash comes in fast and my workflow isn’t held hostage by delays."
Oladayo Odewole, Email Marketer Encore Retention
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FAQs
Does Acctual replace everything I use FreshBooks for?
It depends on which parts of FreshBooks you actually use. If you use FreshBooks for invoicing and payments, Acctual replaces that completely and costs less. If you rely on FreshBooks for time tracking, expense management or payroll, Acctual doesn't cover those.
Is switching from FreshBooks to Acctual difficult?
No. Acctual connects to QuickBooks and Xero, so your existing accounting setup stays intact. You add Acctual as your invoicing layer, your books sync on their own and most users send their first invoice within minutes of signing up.
Can I bring my existing client data across?
You can add your clients and outstanding invoices in Acctual, but there's no automated import from FreshBooks. If you have a large client list, plan for a short setup period. Most freelancers with 5–10 active clients are done in under an hour.
How much cheaper is Acctual than FreshBooks?
Acctual charges $0/month and 2.7% flat on card payments with no monthly fee or fixed dollar charge per transaction. FreshBooks charges $19–$60/month plus 2.9% + $0.30 per card transaction. On bank transfers, Acctual's rate drops to 1%.
Will my clients notice the switch?
No, and they'll probably prefer it. Your clients get a clean, branded invoice with a secure payment link and more payment methods than FreshBooks offers.
Does Acctual have a client limit like FreshBooks?
No. Acctual has no client limit. FreshBooks' Lite plan caps you at five clients. Acctual doesn't.
Does Acctual pay out faster than FreshBooks?
Yes. Acctual sends funds to your bank account the same day your client pays. FreshBooks holds funds in a platform balance with a standard two day payout.
