All prices are in Naira. Starter is free and needs no card.
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 ₦100,000StarterFree
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%.Prices shown per year. Pro saves ₦19,200, Agency saves ₦57,600 against paying monthly.
For your first clients: invoices, a portal link and a few AI proposals, with no monthly price.
₦0₦0per monthper year
2% fee on payments you collect
Includes:
Recommended
For a freelancer collecting regularly who wants the fee down and a page to send new clients to.
₦8,000₦76,800per monthper year
1.5% fee on payments you collect
Best value above ₦1,600,000 a month
Everything in Starter, plus:
For a small team that needs one payment to reach several bank accounts.
₦24,000₦230,400per monthper year
1% fee on payments you collect
Everything in Pro, plus:
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.
Starter
Pro
Agency
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.
Monthly limits reset on the first day of each month, not on the date you subscribed.
| Compare plans | Starter | Pro | Agency |
|---|---|---|---|
| Cost | |||
| Monthly price | ₦0 | ₦8,000 | ₦24,000 |
| Yearly price | ₦0 | ₦76,800 | ₦230,400 |
| Fee on payments collected | 2% | 1.5% | 1% |
| Limits | |||
| Clients | 5 | Unlimited | Unlimited |
| Invoices per month | Unlimited | Unlimited | Unlimited |
| Storage | 500 MB | 20 GB | 100 GB |
| Team members | Not included | Not included | 5 |
| Getting the work agreed | |||
| Proposals | Included | Included | Included |
| Auto-generated contracts, e-signed by your client | Not included | Included | Included |
| Change orders | Not included | Included | Included |
| AI proposal writer | 3 a month | Unlimited | Unlimited |
| Invoicing | |||
| Invoices | Included | Included | Included |
| Milestone invoices | Not included | Included | Included |
| Recurring invoices | Not included | Included | Included |
| Invoices in USD and GBP | Included | Included | Included |
| Late fees and daily overdue detection | Not included | Included | Included |
| Getting paid | |||
| Card, bank transfer and USSD via Paystack | Included | Included | Included |
| Manual bank details on the invoice | Included | Included | Included |
| Paid straight to your bank account | Included | Included | Included |
| Team splits across your team's bank accounts | Not included | Not included | Included |
| Your client's experience | |||
| One link, no account for your client | Included | Included | Included |
| Automatic reminders to your client | Not included | Included | Included |
| WhatsApp notifications | Not included | Included | Included |
| How you look | |||
| Your logo and brand colour on documents | Not included | Included | Included |
| Public portfolio page with client reviews | Not included | Included | Included |
| Remove the Settlr credit | Not included | Not included | Included |
| Custom domain | Not included | Not included | Included |
Monthly price
Yearly price
Fee on payments collected
Clients
Invoices per month
Storage
Team members
Proposals
Auto-generated contracts, e-signed by your client
Change orders
AI proposal writer
Invoices
Milestone invoices
Recurring invoices
Invoices in USD and GBP
Late fees and daily overdue detection
Card, bank transfer and USSD via Paystack
Manual bank details on the invoice
Paid straight to your bank account
Team splits across your team's bank accounts
One link, no account for your client
Automatic reminders to your client
WhatsApp notifications
Your logo and brand colour on documents
Public portfolio page with client reviews
Remove the Settlr credit
Custom domain
About money, limits and leaving. Anything else, the comparison above answers plan by plan.
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.
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.
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.
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.
Yes. You can cancel at any time and move back to Starter. Your documents stay in your account.
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.
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.
