All prices are in Naira. Starter is free and needs no card.

Plans and fees

Every plan has a monthly price and a percentage fee on the payments you collect through Settlr. A higher plan lowers the fee.

The fee on each payment you collect

On ₦100,000
  • StarterFree

    2%

    You keep ₦98,000

  • Pro₦8,000 a month

    1.5%

    You keep ₦98,500

  • Agency₦24,000 a month

    1%

    You keep ₦99,000

Prices shown per month. Switch to yearly to save 20%.

Starter

For your first clients: invoices, a portal link and a few AI proposals, with no monthly price.

₦0per month

2% fee on payments you collect

Includes:

  • 5 clients
  • Unlimited invoices
  • 500 MB storage
  • AI proposal writer, 3 proposals a month
  • A client portal link for every job
  • Card, bank transfer and USSD payments
  • NGN and USD invoices
  • Paid straight to your bank account
Start free

No card needed.

Recommended

Pro

For a freelancer collecting regularly who wants the fee down and a page to send new clients to.

₦8,000per month

1.5% fee on payments you collect

Best value above ₦1,600,000 a month

Everything in Starter, plus:

  • Unlimited clients
  • 20 GB storage
  • Unlimited AI proposals
  • Contracts with e-signatures, and change orders
  • Recurring invoices
  • Milestone invoices
  • Automatic late fees and payment reminders
  • Your branding on the client portal
  • Portfolio page with client reviews
  • WhatsApp notifications to your client
Choose Pro

Cancel any time.

Agency

For a small team that needs one payment to reach several bank accounts.

₦24,000per month

1% fee on payments you collect

Everything in Pro, plus:

  • Unlimited clients
  • 100 GB storage
  • Up to 5 team members
  • A Paystack subaccount for each member
  • Split payments: one payment divided automatically across your team
  • Agency analytics dashboard
  • White-label client portal
  • Custom domain
Choose Agency

Cancel any time.

All prices are in Naira. The transaction fee applies only to payments collected through Settlr and is separate from the plan price. Starter needs no card to start.

Yearly plans are billed once for 12 months.

How the fee works, in full

Settlr takes a percentage of each payment collected through Settlr. That is how Settlr makes money. The percentage depends on your plan: 2% on Starter, 1.5% on Pro, 1% on Agency.

The fee is taken at the moment your client pays. Paystack splits the payment: your share goes to your bank account and Settlr's percentage goes to Settlr. You never send us money separately, and we never hold your share.

On ₦100,000 collected

What Settlr takes from one payment, and what reaches your bank.

  • Starter

    Fee rate 2%

    Settlr takes
    ₦2,000
    You receive
    ₦98,000
  • Pro

    Fee rate 1.5%

    Settlr takes
    ₦1,500
    You receive
    ₦98,500
  • Agency

    Fee rate 1%

    Settlr takes
    ₦1,000
    You receive
    ₦99,000

Pro pays for itself above

₦1,600,000a month

Pro costs ₦8,000 a month and saves 0.5% against Starter, so it covers its own cost once you collect about ₦1,600,000 in a month, or sooner if you need contracts, recurring invoices or your own branding.

Agency makes sense above

₦3,200,000a month

Agency costs ₦24,000 and saves 0.5% against Pro, so it makes sense above about ₦3,200,000 a month, or sooner if you need team splits.

  • The fee applies only to payments collected through Settlr. If a client transfers to your bank account directly, using the details printed on your invoice, that money never passes through Settlr. You record the payment yourself and Settlr takes nothing from it.

  • Nothing is added on top. Settlr covers the Paystack processing charge out of its own percentage, so your client is charged the invoice amount and nothing more, and the only deduction from your side is the plan percentage shown above.

Everything in each plan

Monthly limits reset on the first day of each month, not on the date you subscribed.

Cost

Monthly price

Starter
₦0
Pro
₦8,000
Agency
₦24,000

Yearly price

Starter
₦0
Pro
₦76,800
Agency
₦230,400

Fee on payments collected

Starter
2%
Pro
1.5%
Agency
1%

Limits

Clients

Starter
5
Pro
Unlimited
Agency
Unlimited

Invoices per month

Starter
Unlimited
Pro
Unlimited
Agency
Unlimited

Storage

Storage covers the files you attach to proposals, contracts and invoices.

Starter
500 MB
Pro
20 GB
Agency
100 GB

Team members

A team member is a person with their own login who can be included in a payment split.

Starter
Not included
Pro
Not included
Agency
5

Getting the work agreed

Proposals

Starter
Included
Pro
Included
Agency
Included

Auto-generated contracts, e-signed by your client

Starter
Not included
Pro
Included
Agency
Included

Change orders

Starter
Not included
Pro
Included
Agency
Included

AI proposal writer

Starter includes 3 AI-written proposal drafts a month. Proposals you write yourself are unlimited on every plan.

Starter
3 a month
Pro
Unlimited
Agency
Unlimited

Invoicing

Invoices

Starter
Included
Pro
Included
Agency
Included

Milestone invoices

Starter
Not included
Pro
Included
Agency
Included

Recurring invoices

Starter
Not included
Pro
Included
Agency
Included

Invoices in USD and GBP

USD and GBP invoices are displayed and paid in that currency by transfer. They are not charged to a card.

Starter
Included
Pro
Included
Agency
Included

Late fees and daily overdue detection

Starter
Not included
Pro
Included
Agency
Included

Getting paid

Card, bank transfer and USSD via Paystack

Starter
Included
Pro
Included
Agency
Included

Manual bank details on the invoice

Starter
Included
Pro
Included
Agency
Included

Paid straight to your bank account

Starter
Included
Pro
Included
Agency
Included

Team splits across your team's bank accounts

Starter
Not included
Pro
Not included
Agency
Included

Your client's experience

One link, no account for your client

Starter
Included
Pro
Included
Agency
Included

Automatic reminders to your client

Starter
Not included
Pro
Included
Agency
Included

WhatsApp notifications

Starter
Not included
Pro
Included
Agency
Included

How you look

Your logo and brand colour on documents

Starter
Not included
Pro
Included
Agency
Included

Public portfolio page with client reviews

Starter
Not included
Pro
Included
Agency
Included

Remove the Settlr credit

Starter
Not included
Pro
Not included
Agency
Included

Custom domain

Starter
Not included
Pro
Not included
Agency
Included

Questions freelancers ask before they start

About money, limits and leaving. Anything else, the comparison above answers plan by plan.

How do I get paid?

Your client pays on the invoice link by card, bank transfer or USSD. Paystack processes the payment and sends your share to the bank account you connected to Settlr, on Paystack's settlement schedule. Settlr's percentage is taken at the same moment, and Settlr never holds the rest. You can also let a client transfer to you directly using the bank details printed on the invoice, and record that payment yourself.

Does Settlr hold my money?

No. There is no Settlr wallet and no balance to withdraw. Paystack splits each payment as it is made, so your share goes to your bank account and Settlr's percentage goes to Settlr. We cannot hold, freeze or delay your share.

Does my client need to create an account?

No. You send one link. Your client opens it in their browser, reads the proposal, approves it, signs the contract and pays. There is no password and no app to install.

What happens if I go over my plan's limits?

Reaching a limit stops the new action only. Nothing you already have is deleted, hidden or locked. On Starter you can have 5 clients and draft 3 AI proposals a month. At the client limit you cannot add another until you upgrade, and the proposal limit resets on the first day of each month. Every client, invoice and document you already have stays fully accessible, and links you have already sent keep working. Settlr shows you which plan lifts the limit you have reached.

Can I cancel?

Yes. You can cancel at any time and move back to Starter. Your documents stay in your account.

Can I invoice a client abroad?

Yes, on every plan. You can issue an invoice in USD or GBP and your client pays it by transfer to a virtual account. Foreign-currency invoices are not charged to a card. NGN is the transacting currency for card, transfer and USSD payments.

Start on Starter

5 clients, 3 AI proposals a month, ₦0, no card. Move up a plan when the fee saving is worth more to you than the monthly price.