Get paid faster on every invoice you send.
Set up payment plans, send automatic reminders, and accept payments in the currency your client prefers — with every transaction automatically reconciled against the correct invoice.
Used by freelancers and independent professionals billing clients across 30+ countries.
Built for international invoicing
Why international payments are harder than they should be
Sending a compliant invoice is only half the job. Getting paid on it is the other half — and for freelancers billing internationally, payment collection has its own layer of friction.
Your German client pays via SEPA bank transfer. Your UK client pays via bank transfer in GBP. Your US client wants to pay by card. Your Kenyan client deducts 20% withholding tax before transferring the balance. Your French client pays 45 days after invoice date because that is standard French commercial practice.
Each payment method, each currency, each payment timeline is different. Most invoicing tools leave you to manage all of it manually — chasing payments by email, tracking transfers in a spreadsheet, reconciling everything at the end of the month.
InvoiceMonk builds the payment layer into the invoicing workflow. Send the invoice. Get paid. Everything reconciles automatically.
How InvoiceMonk handles payments end to end
From the moment you send the invoice to the moment your records update — all in one workflow.
Send your invoice with a payment link
Every invoice you send from InvoiceMonk includes a secure payment link. Your client clicks the link, selects their preferred payment method, and pays. No separate payment platform. No manual bank details to copy. No chasing.
Your client pays the way they prefer
InvoiceMonk accepts credit and debit cards, bank transfers, ACH payments, and digital wallets. Your clients pay using the method that works in their country — without friction on their end or manual processing on yours.
Everything reconciles automatically
When a payment arrives, InvoiceMonk matches it to the correct invoice, updates the payment status, and records the transaction. No manual reconciliation. No end-of-month spreadsheet. Your records are always current.
Built for freelancers who get paid across borders
Everything you need to collect international payments without the friction.
Multi-currency payment acceptance
Accept payments in EUR, GBP, USD, CHF, CAD, AUD, and more. Your clients pay in their local currency and InvoiceMonk handles the currency matching against the invoiced amount. No manual conversion. No exchange rate disputes.
SEPA bank transfer support
European clients pay primarily by SEPA bank transfer — not by card. InvoiceMonk includes your IBAN and BIC details on EU invoices automatically, making it straightforward for German, French, Dutch, and other European clients to pay you via their standard banking method.
Withholding tax notation for African clients
If you bill clients in Kenya, Ghana, or South Africa, local withholding tax rules may apply. InvoiceMonk includes the correct withholding tax notation on invoices to these markets — so you know the net amount you will receive before the payment arrives, and your client's accountant can process the deduction correctly.
Automatic payment reminders
Set your payment terms once. InvoiceMonk sends automatic reminders before the due date, on the due date, and after the due date if payment has not been received. You stop chasing payments manually and your clients have a clear, professional prompt to pay.
Payment plans and instalments
For larger projects, offer clients a structured payment plan — deposit, progress payment, and final invoice. Each instalment is a separate sequentially numbered invoice, VAT-compliant for the client's country, with its own payment link and automatic reminder schedule.
Automatic reconciliation
Every payment received is automatically matched to its invoice, the payment status is updated, and the transaction is recorded. Your accounts receivable is always current. You know exactly what has been paid, what is outstanding, and what is overdue — without touching a spreadsheet.
Transparent processing fees — no surprises
InvoiceMonk charges straightforward processing fees with no hidden costs. Here is what you pay per transaction:
Bank transfer fees are significantly lower than card processing fees for large invoice amounts. For invoices above €500, bank transfer is almost always the lower-cost option for both you and your client. InvoiceMonk shows your client both options at checkout so they can choose.
How to reduce the fees you pay on international invoices
International payments cost more than domestic ones — but the difference is manageable if you structure your invoicing correctly. Three things that reduce your international payment costs with InvoiceMonk:
Invoice in your client's currency
Currency conversion fees are charged by whoever initiates the conversion. If you invoice in EUR and your client pays in EUR, the conversion happens on your side when you receive the funds. If you invoice in your own currency and your client converts, they absorb the conversion cost. Discuss with each client which approach works best.
Use bank transfer instead of card for large invoices
Card processing fees of 2.9% on a €5,000 invoice cost €145. A SEPA bank transfer for the same invoice costs a few euros. For clients in Europe, SEPA bank transfer is the standard payment method and your clients will expect it.
Set clear payment terms upfront
Late payments cost you more than processing fees in most cases — through delayed cash flow, time spent chasing, and potential bad debt. InvoiceMonk's automatic reminders and clearly stated payment terms reduce late payments significantly. French commercial law mandates payment within 30 days by default — InvoiceMonk states this on French invoices automatically.
"Get paid faster with integrated payments — our clients actually pay on time now. Having the payment link directly on the invoice changed everything."
Verified InvoiceMonk user
Creative agency
Payments questions, answered
Everything you need to know about accepting international payments with InvoiceMonk.
Send the invoice. Get paid. InvoiceMonk handles the rest.
Join freelancers and independent professionals across Europe, East Africa, and Southeast Asia who use InvoiceMonk to get paid faster — with less chasing, less manual reconciliation, and no compliance surprises.
Start accepting payments freePro from $15/month. Upgrade when you are ready.
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