PaySimple

PaySimple is a paid platform for business payments, billing, and customer management, with Android, iOS, web, and API access. It accepts online, in-person, and mobile payments using credit cards, debit cards, ACH transfers, eChecks, Apple Pay, and Google Pay. Businesses can offer a digital storefront, payment forms, embeddable checkout, and payment links. Billing tools include recurring billing and electronic invoicing, while real-time reporting and dashboards provide business information. The mobile application can accept payments and manage customer information, services, reports, and dashboards. RESTful APIs, hosted checkout, and webhook callbacks support software integrations, with named partners including ServiceFusion, Dr. Chrono, SalonBiz, ImproveIt 360, and The Studio Director. The PaySimple platform plan costs $79.95 a month, with no contracts or cancellation fees. Listed processing starts at 2.90% + $0.30 per credit-card transaction and 1.00% + $0.30 for ACH/eCheck. PaySimple states it is PCI DSS certified and obtains an annual Type 2 SOC 2 report.

PaySimple combines payment collection, billing, customer management, and reporting in one paid service. Its mobile apps and integration options support businesses that need both operational tools and connected checkout workflows.

PaySimple suits businesses needing payment acceptance, recurring billing, invoicing, customer records, and reporting across web and mobile. It also fits organizations seeking API or hosted-checkout integration options.

PaySimple is a paid platform for accepting payments, managing billing, and keeping customer information together. It is best suited to businesses that want those jobs in one system, including mobile payment acceptance and connections to other software. Its broad feature set is compelling, but transaction charges make total cost depend on how customers pay.

Overview

PaySimple brings online, in-person, and mobile payment acceptance together with recurring billing, electronic invoices, customer management, and reporting. Businesses can take credit and debit cards, ACH transfers, eChecks, Apple Pay, and Google Pay. Online checkout options include a digital storefront, payment forms, embeddable checkout, and payment links.

Real-time reporting and dashboards give businesses a view of payment activity and business insights. The combination is useful for service businesses that need to collect payments and manage billing without piecing together separate tools. The tradeoff is a paid monthly plan plus per-transaction charges; businesses with simpler or lower-volume needs may not need the full platform.

Key features

Payments and billing

Recurring billing and electronic invoicing support businesses that charge customers repeatedly or need to send invoices. Online forms, links, and embedded checkout offer several ways to collect payment, while in-person and mobile acceptance cover transactions away from a desktop. ACH and eCheck processing provide a bank-payment option alongside card payments.

Mobile, integrations, and security

The Android and iOS apps can accept payments and manage customer information, services, reports, and dashboards. For businesses connecting PaySimple with existing software, RESTful APIs, hosted checkout, and webhook callbacks provide integration paths. Named software partners include ServiceFusion, Dr. Chrono, SalonBiz, ImproveIt 360, and The Studio Director.

PaySimple says it is PCI DSS certified, encrypts stored card data, and does not retain CVV2 or swiped track data. It also obtains an annual Type 2 SOC 2 report covering security, availability, processing integrity, and confidentiality. Support is available by email and through a self-service Help Center, from 9 a.m. to 6 p.m. Eastern Time, Monday through Friday.

Pricing

PaySimple platform

The PaySimple platform costs $79.95 a month, billed $79.95 / month. It includes all features, with credit card processing as low as 2.90% + $0.30 per transaction and ACH/eCheck processing at 1.00% + $0.30. There are no contracts or cancellation fees. Businesses processing more than $50,000 per month may qualify for lower processing rates by requesting a custom quote.

This is the clearest option for businesses that want the whole billing and payment toolkit, but the advertised monthly price is not the full cost: processing fees apply as customers pay. For ACH/eCheck, the separate processing plan is custom pricing, with a $30.00 chargeback fee and $5 ACH return fee if applicable. The credit/debit card processing plan is also custom pricing and charges 2.90% + $0.30 per transaction, plus monthly fees. Conditional charges include a +1.00% card-not-present surcharge, a $0.75 batch fee, and a $5.95 monthly PCI DSS program fee.

Platforms

PaySimple is available on the web, Android, and iOS, and offers an API for integrations. The mobile apps extend payment acceptance and customer, service, and reporting tasks beyond the web platform.

Who it's for

PaySimple suits businesses that need a connected way to accept payments, bill customers repeatedly, and manage customer records, particularly those using mobile apps or software integrations. It is less attractive to businesses seeking a free plan or a platform with no per-transaction charges. Since costs include both a monthly subscription and processing fees, businesses should consider payment mix and volume when weighing the plan.

Pros and cons

• Pros: Multiple payment channels and methods, recurring billing, invoicing, payment links, and checkout tools support varied collection workflows.
• Pros: Android and iOS apps, APIs, hosted checkout, and webhooks give businesses mobile and integration options.
• Pros: No contract or cancellation fee on the platform plan, with a custom quote potentially lowering rates for high-volume processors.
• Cons: The $79.95 monthly subscription is only one part of the bill; processing and conditional fees can add up.
• Cons: There is no free plan, and the separate processing plans use custom pricing rather than a single published monthly cost.

Alternatives

For a different billing focus, consider Subscription Billing Software; for a broader comparison of payment tools, see Payment Processing Software.

Zoho Billing is worth considering if a published entry-level price and a defined three-user allowance matter: its Standard plan is $39 a month, billed annually, and includes quotes and invoices, multi-currency transactions, and automated payment reminders. Choose PayWhirl instead if a free plan is the priority; its Starter plan is free with a 3.0% transaction charge, while gateway processing fees still apply. UniBee offers a free, self-hosted open-source option with manual setup and community support, a better fit for teams prepared to manage deployment themselves.

Billsby may suit subscription businesses looking for a lower monthly starting point: its Core plan costs $45 a month, with five users and one payment gateway, plus 0.4% on revenue above $15,000 per month. Churn Buster is the more relevant alternative for recovery analytics or dunning and cancellation flows, with a free Measure plan and a Dunning or Cancel Flows plan starting at $269 a month. GetPaidHQ is a free self-hosted option under MIT for businesses that want to bring their own gateway. Kill Bill is another self-hosted, open-source option for teams seeking control of infrastructure and data. Piano Analytics uses custom pricing and offers a demo account with test data for evaluation.

Verdict

Choose PaySimple if your business needs payments, recurring billing, customer management, and reporting in one system, with mobile apps and integration options to connect it to other workflows. Its main advantage is breadth; its main reason to look elsewhere is the $79.95 monthly subscription layered with transaction and possible additional fees. Businesses seeking a free entry point or a lower fixed monthly commitment should compare alternatives first.