Payment method check
Type in the invoice amount, your own card fee, your hourly rate, and how long a transfer usually takes, and compare card, bank transfer, and cash for this one invoice. Updates live as you type. No signup, nothing saved, nothing sent anywhere.
Runs entirely in your browser — the client names and amounts you type here are never sent to us, never stored on our side, and gone when you close the tab. Why we can say that →
Payment method check calculator
See what should you charge if you don’t have one yet.
From your own card processor’s statement, not a rule of thumb.
Time spent asking for a reference, or working out which invoice it paid.
This calculator compares three ways a client who’s going to pay might pay you. It can’t price the risk of a client who doesn’t pay at all — that’s not a fee or a wait, it’s a different problem. See what to do when a client won’t pay for that one.
Want the fee, the wait, and the risk behind each method explained? Read how clients pay you. Need the exact wording? See the payment details scripts, or all free tools.
Why every number here is yours
This isn’t a comparison against a typical card fee — there isn’t one that’s true everywhere. Every number above comes from your own processor’s statement, your own hourly rate, and your own experience of chasing a transfer, not a market average.
The wait a card avoids
A card fee is a cost you know before you charge it. A bank transfer costs you nothing up front, but it hands the timing to the client, and it can arrive with no way to tell which invoice it paid unless you ask for the reference. The verdict above weighs one against the other for this one invoice, not for every job you do.
Want the method and the date sitting on the job?
BizBinder doesn’t take the payment — it doesn’t process a card, and it never holds your bank details. What it does is record which method a client used and when the money landed, so the invoice shows paid by card, transfer, or cash, right next to the date.
You are on the list.
A person reads every request. You will hear from us within one business day.
- 01 A person reads your note — not a queue.
- 02 You get an invite as spots open.
- 03 Your admin starts filing itself.
The free library is open while you wait. Nothing in it needs an account.
- guide How to get paid faster, without the awkward follow-up The reminder cadence here heads off most of what escalates into a real collections problem.
- tool Late payment fee & interest calculator Enter an overdue balance, a rate, and days late, and get the interest, the total now due, and a copy-paste reminder line.
- printable Payment log — the printable sheet for who owes you what One ruled table for every invoice you’ve sent this month — who, how much, when it’s due, and whether it’s paid — so “who still owes me money” stops being a guess.