BillingHub Review: Pay Per Invoice 2026

BillingHub is invoicing software that charges per invoice issued instead of per month. You buy credits once, and one credit is spent the moment an invoice stops being a draft. The first 3 invoices are free, and a quiet month costs nothing, because there is no subscription to pay when you do not invoice.

That is the whole pitch, and it is aimed squarely at freelancers who invoice irregularly: a few invoices some months, none in others. This review is written for UK freelancers. Prices below are BillingHub’s published prices, checked against billinghub.online/pricing in November 2026. Prices are in US dollars, not pounds, and VAT or sales tax may apply depending on your country; the site says the final price is shown clearly at checkout before you pay. Budget in dollars and expect your bank or card to add its usual foreign-exchange margin.

How much does BillingHub cost?

We re-checked the pricing page in November 2026. The two one-time packs never renew, and the only recurring charge on the price list is the yearly plan. The site shows a launch-price counter, 98 places left at this rate when we checked, so the packs may cost more for later buyers. The price you pay is the price shown when you buy, and nothing already bought is ever re-priced.

One rule covers the whole model: a credit is spent once, when an invoice is issued, and never again. Not when you send it, not when it is opened, not when it is paid, and not if you send it four more times chasing payment. Drafts, estimates, quotes, clients, sending and re-sending, PDF downloads, and receiving payment are free on any balance. The site’s own framing is that you are charged when you ask someone for money, and not before.

Card payments go through your own Stripe account, and BillingHub takes nothing from them: the only fee on a card payment is Stripe’s own processing fee. That is worth knowing before you compare the credit price with a subscription, because a subscription that includes card processing is not directly comparable.

The arithmetic favours light invoicers. A freelancer issuing 25 invoices a year pays $25 once and nothing in the months they do not invoice. The same volume on Xero Simple at £7 a month is £84 a year, every year, before any card fees (and before converting BillingHub’s dollars to pounds). The comparison flips at high volume, but compare like with like: 300 invoices a year is 25 a month, above Xero Simple’s 10-a-month cap, so the subscription comparator at that volume is Xero Ignite at £18 a month (£216 a year), before converting BillingHub’s $150 to pounds. Run your own numbers at your volume before you assume credits are always cheaper.

What do you get for the money?

BillingHub is invoicing, nothing else. It does not do bookkeeping, expenses, or tax filing, and no MTD support is listed. Judge it on the invoicing alone.

• 156 currencies, chosen per invoice. Your business and your clients can sit in any of 250 countries, and tax is added per line at whatever rate you need. Card payment additionally requires Stripe to operate in your country.
• Estimates and quotes are free, forever, on every plan. Clients accept or decline a quote online, and an accepted quote becomes an invoice. A quote names no amount due and carries no way to pay, so it is not a bill, and BillingHub does not charge for one.
• Unlimited clients, products, and tax rates. Invoices go out as PDFs carrying your logo and branding, not BillingHub’s.
• Invoice tracking and history from the 100-invoice pack upwards. The $25 starter pack does not include it.
• Recurring invoices and API access only on the yearly plan. A recurring schedule issues invoices weekly, monthly, quarterly, or yearly, and each invoice it issues costs one credit.

Line items come from what you type or from a product list; line items created through the API need the yearly plan, since API access is yearly-only. There is no time-tracking support. The founder said in an IndieHackers discussion in October 2026 that the check for wrong numbers has to live in the system that generates the numbers. That matters, because the credit is spent at the moment of issue. Check the lines before you issue, not after.

Who is BillingHub for?

• Sporadic invoicers. A few invoices some months, none in others. A quiet month costs nothing, and credits never expire, so nothing you bought goes to waste on a deadline.
• Freelancers who invoice across currencies and countries. Single-currency invoicing in one country is the case free tools handle well. BillingHub is built for the case they handle badly.
• Anyone who wants their own brand on the document. Your logo, no vendor branding, and no percentage that grows just because the invoice does.
• Freelancers who resent the monthly fee. If you have ever paid a subscription in a month you sent no invoices, the credit model will feel like the fix.

Who should skip it: if you invoice every week in a single currency, a subscription can work out cheaper and includes reminders and bank feeds, so compare the yearly $150 against a £7 to £10-a-month plan at your volume. And if you want bookkeeping and Self Assessment in the same app, BillingHub is not that. FreeAgent or Xero covers the accounting side; BillingHub sits next to them, not instead of them.

What are the cheaper or free alternatives?

• Xero Simple (£7/month, the lowest headline rate among the big names we reviewed): invoicing and reminders included, though reminders are basic on that tier. Full review: /directory/xero-review/.
• QuickBooks Sole Trader Plus (£10/month + VAT): invoicing and reminders in the same app you may already use. Full review: /directory/quickbooks-review/.
• FreeAgent (£19/month + VAT, or free with an eligible NatWest, RBS, Ulster Bank or Mettle business account): full accounting with built-in reminders and Self Assessment filing. Full review: /directory/freeagent-review/.
• Our free invoice template tool: if your volume is tiny and you just need a clean UK invoice, our freelancer invoice template generator builds one with VAT on or off, itemised lines, and print or PDF, at no cost. It does not track anything or send anything, so it fits a handful of invoices a year, not a business.
• Our free templates: if your problem is chasing rather than invoicing, our payment reminder email templates and the day-by-day chasing ladder cost nothing.

What are the honest drawbacks?

1. USD pricing, no pounds. UK freelancers pay in dollars, with VAT or sales tax possibly added at checkout, and their bank’s foreign-exchange margin on top. At $25 the sums are small, but they are still dollars.
2. Fees are non-refundable except where the law requires it. Credits never expire, which softens the risk, but a bulk buy you regret is money spent. Start with the smallest pack if you are unsure.
3. Recurring invoices and API access need the $150-a-year plan. The $25 starter pack has no recurring billing, and invoice tracking and history only start at the 100-invoice pack. The $25 way in is also the thinnest.
4. Card payments need your own Stripe account. BillingHub takes nothing from card payments, but Stripe must operate in your country, and Stripe’s processing fee sits on top of the credit cost. If you do not want a Stripe account, clients pay by bank transfer from the details on the invoice instead.
5. Invoicing only. No bookkeeping, no expenses, no tax filing, no MTD support listed. It sits next to your accounting setup rather than replacing any of it, so budget for both if you need both.
6. No time tracking, and no check on your line items. If a rate changed and your product list did not, BillingHub will not catch it, and the credit is spent the moment you issue. The founder’s own advice is that the check belongs in the system that generates the numbers, which means it belongs with you.
7. Young and small. BillingHub is a new product, listed as founded in 2025, sold at launch pricing with a “places left” counter on the site. There is no published support SLA, and the roadmap moves at a small team’s pace. The price you pay is fixed when you buy, but launch rates can rise for later buyers.

Frequently asked questions

What exactly spends a credit?

Issuing an invoice, and nothing else. Drafts, estimates, quotes, clients, sending and re-sending, PDF downloads, receiving payment, and your logo on every document are free on any balance. An invoice costs one credit at the moment it stops being a draft, and is never charged again.

Do credits expire?

Never. They stay in your account until you use them, so a quiet month costs you nothing and a busy one draws on what you already bought. If your balance runs out, nothing is deleted and nothing is locked away: your documents, clients, and history stay as they are, and only issuing a new invoice waits until you top up.

Can I invoice UK clients in pounds and add VAT?

Yes. You can invoice in any of 156 currencies, chosen per invoice, and tax is added per line at whatever rate you need. VAT or sales tax may apply to the credit purchase itself depending on your country, and the final price is shown at checkout before you pay.

Do my clients pay through BillingHub?

No. Clients pay by card through your own Stripe account, or by bank transfer from the details on the invoice. BillingHub takes nothing from card payments; the only fee is Stripe’s processing fee. An invoice can carry both a pay button and your bank details.

Is there a monthly subscription?

No, except for the yearly plan. The 25- and 100-invoice packs are one-time purchases that never renew. The only recurring item on the price list is the 300-invoices-a-year plan at $150, billed once a year, which is what pays for its lower rate, its rate lock, and its recurring-invoice and API features.

Can I use it if I only invoice a few times a year?

Yes, that is the case it is built for. A freelancer issuing a handful of invoices a year pays $25 once for 25 credits and nothing in the months they do not invoice, and the credits are still there next year. If you invoice every week, compare the yearly plan against a subscription at your volume first.

Verdict

If you invoice in bursts and resent paying a monthly fee in the months you do not, BillingHub’s credit model fits that pattern better than a subscription. If you invoice every week in one currency, or you want bookkeeping in the same app, a subscription such as Xero Simple or FreeAgent is likely the better buy.

This is general information, not legal or financial advice. If the amount is large or the situation is disputed, get proper professional advice. Prices change. Check BillingHub’s current pricing at billinghub.online/pricing before you commit; prices are in US dollars and VAT or sales tax may apply at checkout.

Sources

• BillingHub pricing — BillingHub’s published pricing, checked November 2026.
• Can you add a credit card fee to an invoice? — BillingHub’s own guide, reviewed October 2026: “BillingHub takes nothing from your card payments” and “An invoice can carry both a Pay button and your bank details”.
• BillingHub on SourceForge — company listing (Evax LLC, founded 2025) and “no cap on clients, products or tax rates”.
• BillingHub on PeerPush — the yearly plan adds recurring invoices on weekly, monthly, quarterly, or yearly schedules, plus a REST API.
• Why I sell invoice credits instead of a subscription — the founder’s IndieHackers post on the credit model.
• Would you let an AI agent send invoices to your clients? — the founder’s replies on what a credit pays for and where line items come from, October 2026.