PaySimple

PaySimple launched in 2005 in Denver with a focused proposition: build the payment acceptance and recurring billing platform that service-based small businesses actually need beyond what Square or PayPal Standard offer. By 2026 PaySimple serves thousands of service-based small businesses including professional services, healthcare practices, nonprofits, and education businesses with a single unified $79.95/month plan combining payment processing plus recurring billing plus invoicing.

Who PaySimple is right for

This is a vertical product for service-based small businesses. The clearest fit in 2026 is professional services (consultants, accountants, lawyers), healthcare practices (chiropractors, physical therapists, dental practices), nonprofits accepting donations, and education businesses with recurring tuition or membership billing. The defining differentiator is the unified $79.95/month plan combining payment processing plus recurring billing plus invoicing in one tool. PaySimple is the wrong choice for e-commerce businesses (Stripe direct fits), product-only businesses without recurring revenue (Square or PayPal fit), or freelancers needing pure invoicing without payment processing (Wave or Zoho Invoice fit better).

PaySimple pricing in 2026

Verified on 2026-06-19 against the official PaySimple pricing page. Single unified pricing model with no contracts or cancellation fees.

Hidden costs to know about

Two watch-outs. First, payment processing fees (2.90 percent + $0.30 credit card or 1.00 percent + $0.30 ACH) apply on every transaction on top of the $79.95/month subscription. For high-transaction-volume businesses, processing fees can be the dominant cost. Second, integrated software partner pricing varies; buyers using ServiceFusion or Dr. Chrono should confirm their specific PaySimple pricing rather than assuming the standard $79.95/month rate applies.

PaySimple vs alternatives at a glance

Integrations

Native integration with ServiceFusion (field service management), Dr. Chrono (healthcare practice management), and other vertical-specific platforms. QuickBooks integration for accounting sync. Limited API access compared to Stripe. The integration approach is focused on vertical service business platforms rather than broad developer ecosystem. Custom integration support available for enterprise customers through PaySimple sales.

Pros and cons

What works: Single unified $79.95/month plan eliminates per-feature pricing complexity. ACH processing at 1.00 percent + $0.30 is meaningfully cheaper than 2.90 percent credit card rate for B2B and recurring billing scenarios. No contracts or cancellation fees provides risk-free evaluation. Native integration with ServiceFusion and Dr. Chrono fits service business vertical workflows. Phone support included. Mature platform (since 2005) provides continuity.

Where it strains: Monthly subscription cost ($79.95) is real on top of processing fees; high-transaction-volume businesses might prefer Stripe's pay-per-transaction model. Limited API access compared to developer-first competitors. No native mobile app for in-field payment collection. Less suitable for e-commerce or non-service businesses. Volume discount pricing requires sales engagement rather than transparent published rates.

What real buyers say

Operator reviews on SoftwareAdvice, SelectHub, and the r/smallbusiness subreddit cluster around three wins: unified $79.95/month pricing simplifies budgeting vs feature-tiered competitors, ACH processing at 1.00 percent saves real money for B2B recurring billing, and no-contract policy reduces commitment risk. Common pushback is on monthly subscription cost for low-volume businesses, limited API access compared to Stripe, and absence of native mobile app.

Field guide

Buyer action plan

Request a demo through the PaySimple website. Bring your service business type, monthly transaction volume estimate, and whether you use integrated platforms like ServiceFusion or Dr. Chrono. Walk through a guided demo. Sign up for the Standard Plan with confidence given no contracts or cancellation fees. If you exceed $50,000 monthly processing, request volume discount pricing. For ServiceFusion or Dr. Chrono integration, request the integrated partner pricing.

2026 updates

PaySimple continued investment in service business vertical integrations (ServiceFusion, Dr. Chrono), refined recurring billing capabilities, and maintained the no-contract policy. Stripe payment processing partnership has matured. The unified $79.95/month pricing has remained stable through 2026.

Security and compliance

Cloud platform with TLS in transit, encryption at rest, PCI-DSS Level 1 compliant for credit card processing, ACH NACHA compliance, role-based access controls, two-factor authentication. HIPAA-eligible for healthcare practice customers using PaySimple plus Dr. Chrono. EU data residency for international service businesses.

Customer support

Email, in-app live chat, knowledge base, phone support included on all plans. Response times during US business hours are fast. r/smallbusiness and service business LinkedIn communities have peer support discussions. Healthcare practice management communities also provide peer support for the PaySimple plus Dr. Chrono integration.

Who can use PaySimple

Best fit: service-based small businesses including professional services, healthcare practices, nonprofits, and education businesses with recurring billing needs. Reasonable fit: any small business wanting one tool for payments plus recurring billing plus invoicing. Not a fit: e-commerce businesses (Stripe direct fits), product-only businesses without recurring revenue (Square or PayPal fit), or freelancers needing pure invoicing (Wave or Zoho Invoice fit).

Mobile app

PaySimple does not publish a dedicated native iOS or Android mobile app. The web platform is mobile-responsive for in-the-field payment collection through a mobile browser. For service businesses requiring native mobile apps for payment processing, alternatives like Stripe Terminal, Square, or Invoice2go fit better.

How to get started with PaySimple

Request a demo through the official PaySimple pricing page. Walk through a guided demo covering your service business workflow. Sign up for the Standard Plan with confidence given no contracts or cancellation fees. Connect to ServiceFusion or Dr. Chrono if you use those platforms. Configure recurring billing for your subscription customers. Test card and ACH payment processing.

Top alternatives to PaySimple

Stripe is the developer-first alternative with pay-per-transaction pricing and the best API. Square is the alternative for businesses needing POS hardware plus online payments. Chargebee is the alternative for subscription businesses needing depth. Authorize.net is the mature payment gateway alternative. PayPal Business is the alternative for businesses primarily collecting through PayPal. ACHWorks competes specifically on ACH processing.

How to cancel PaySimple

Cancellation is processed through account settings or customer success. No contracts or cancellation fees apply. Monthly subscription cancels at end of billing period. Outstanding payment processing transactions complete normally. Data export available via standard format export. No cancellation fee.

Bottom line

PaySimple is the right pick for a service-based small business that wants one tool combining payment acceptance plus recurring billing plus invoicing at a transparent $79.95/month with no contracts or cancellation fees. ACH processing at 1.00 percent is meaningfully cheaper than credit card processing for B2B recurring billing scenarios. For e-commerce or developer-first businesses, Stripe fits better. For subscription businesses needing depth, Chargebee fits. For service-based small businesses needing simple unified payments plus billing in 2026, PaySimple remains competitive.

Verified on 2026-06-19. Pricing verified from the official PaySimple pricing page.