One link for everything
The same link carries your proposal, contract and invoice, from the first draft to the final payment.
Built for Nigerian freelancers
Send the link. Get paid.
Write a proposal, send your client one link. They approve it, sign the contract and pay, all from their phone, with no account to create.
Starter is free and needs no card. Payments go straight to your own bank account.
- Card, transfer or USSD
- Paid out by Paystack
- No login for your client
Everything in one place
One product, not a bundle of disconnected tools. Proposals, contracts, invoices and payments all live behind the link you send.
WhatsApp notifications
Send your client the link on WhatsApp, where it previews cleanly. On Pro and Agency, they also get automatic WhatsApp notifications.
Direct to your bank
Paystack pays your share straight to your bank account the moment your client pays. Settlr never holds a balance.
AI proposal writer
Let the AI proposal writer draft your next proposal for you, then edit it before you send it. Starter includes 3 a month, and Pro and Agency have no limit.
NGN, USD and GBP invoices
Invoice in Naira, US Dollars or British Pounds on every plan. Foreign-currency invoices are paid by transfer, not by card.
Contracts that protect you
Settlr generates a contract from what your client just approved, and they sign it on the same link. Included on Pro and Agency.
From proposal to payment, behind one link
You do the work in Settlr. Your client only ever sees the link.
- 1
You write the proposal
Set out the scope, the price and the timeline. Write it yourself, or let the AI proposal writer draft it for you on Pro and Agency.
- 2
Your client approves it, and the contract writes itself
When the client approves the proposal, Settlr generates the contract from what they just agreed to. They sign it on the same link.
- 3
You send the invoice
Invoice the full amount, or invoice by milestone as the work lands. If the job changes, send a change order instead of starting again.
- 4
They pay, and the money reaches your bank
Card, bank transfer or USSD. Paystack sends the payment to your bank account directly. Settlr takes its percentage and never holds the rest.
Your client never creates an account
Most tools ask your client to sign up, set a password and find an email. Settlr asks for none of that. You send one link, usually on WhatsApp. Everything happens behind it.
One link, start to finish
The same link holds the proposal, the contract and the invoice. Your client does not have to hunt for the last message you sent.
No password, no app to install
They open the link in the browser they already have. There is nothing to download.
Built for a phone on slow data
The pages your client sees are deliberately light. They load on a phone, on a weak connection, at the moment your client is ready to pay.
The easier it is for your client to say yes, the sooner you are paid.
Your money goes to your bank, not to us
Payments are processed by Paystack and split at the moment they are made: your share goes to your bank account, and Settlr's percentage goes to Settlr. No Settlr wallet, no balance to withdraw, no waiting on us.
See how the fee worksThree ways for your client to pay
Card, bank transfer or USSD, through Paystack. Your bank details are also printed on the invoice for clients who prefer to transfer manually.
Paid in Naira
NGN is the transacting currency. Invoices in USD or GBP can be shown and paid in that currency by transfer to a virtual account. Foreign-currency invoices are not charged to a card.
One clear fee
Settlr charges a percentage of each payment collected through it: 2% on Starter, 1.5% on Pro and 1% on Agency. Nothing else is added: Settlr covers the Paystack processing charge, and your client is charged the invoice amount, not the invoice amount plus a fee.
If your client transfers to you directly, Settlr takes nothing
Your bank details are on the invoice. If a client pays you that way and you record the payment yourself, the money never passes through Settlr and there is no percentage on it.
The details that decide whether you get paid this week
Settlr is built around the way work is actually agreed and paid for here.
You send links on WhatsApp
So the link is short, opens fast and previews cleanly when you paste it into a chat. On Pro and Agency, your client can also get notifications on WhatsApp.
Your client is on a phone
Every client-facing page is designed for a phone first. Approving, signing and paying all work with one thumb.
Some of your clients are abroad
Invoice in USD or GBP, show the amount in that currency, and take payment by transfer to a virtual account. Available on every plan.
People forget to pay
Settlr sends reminders for you. Overdue invoices are detected daily, and you can add a late fee if you want one. On Pro and Agency.
Your reputation travels ahead of you
On Pro and Agency you get a public page at usesettlr.com/yourname, with your work and reviews from clients you have already invoiced.
Start free, and pay less per payment as you grow
Starter is free, with no card. Pro and Agency lower the 2% fee you pay on what you collect.
On Pro the fee drops to 1.5%.Collect ₦1,600,000 a month and Pro pays for itself.
Prices shown per month. Switch to yearly to save 20%.Prices shown per year. Pro saves ₦19,200, Agency saves ₦57,600 against paying monthly.
Starter
Invoices, a client portal link and a few AI proposals, free.
₦0₦0per monthper year
2% fee on payments you collect
- 5 clients
- Unlimited invoices
- 500 MB storage
- USD and GBP invoices
- AI proposal writer, 3 a month
Recommended
Pro
Contracts, recurring and milestone invoices, your branding and a portfolio page.
₦8,000₦76,800per monthper year
1.5% fee on payments you collect
Best value above ₦1,600,000 a month
- Unlimited clients
- Unlimited invoices
- 20 GB storage
- Contracts your client signs
- WhatsApp notifications
- USD and GBP invoices
- AI proposal writer, unlimited
- Public page with client reviews
Agency
A team of up to 5, with each payment split between members.
₦24,000₦230,400per monthper year
1% fee on payments you collect
- Unlimited clients
- Unlimited invoices
- 100 GB storage
- Contracts your client signs
- WhatsApp notifications
- USD and GBP invoices
- AI proposal writer, unlimited
- Public page with client reviews
- Team of 5, with payment splits
Questions freelancers ask first
Short answers. The full detail on every fee is on the pricing page.
Does my client need an account?
No. They open your link in the browser on their phone, then approve, sign and pay from there. There is no password and nothing to install.
Where does the money go?
Straight to your bank account. Paystack splits each payment as it is made: your share goes to you and Settlr's percentage goes to Settlr. Settlr never holds a balance for you.
What does Settlr cost?
Starter is free and needs no card. Every plan takes a percentage of the payments you collect through Settlr, from 2% on Starter down to 1% on Agency. See all plans.
Can I try a paid plan first?
Yes. Your first paid plan starts with a 7-day trial. We check your card with a ₦50 charge that is refunded straight away, and you are billed when the trial ends.
Can I invoice clients abroad?
Yes, on every plan. Invoice in US Dollars or British Pounds, and your client pays by transfer to a virtual account. Foreign-currency invoices are not charged to a card.
Send your next proposal as a link
Create an account, add your bank details, and send your first proposal today. Starter needs no card.
5 clients and 3 AI proposals a month on Starter. Upgrade when you need more.