Pricing
Start free.
Pay when you need automation.
Free forever for the basics. Paid plans unlock escalating follow-ups, vendor management, AI agents, and the controls finance teams need.
Pricing
Increasing operational trust at every step.
From manual control to governed infrastructure. Pick the rung that matches how you operate.
Free
Manual control
Send invoices
- Start sending invoices immediately
- One Invoice Inbox for bills, quotes, and requests
- Single business workspace
- Logo on the default invoice theme
Also includes
Multi-currency · CSV import · PDF invoices · Payment tracking
Starter
Basic automation
Automate collections
billed annually
Everything in Free, plus:
- Recurring invoices and automated reminders
- Receive invoices, quotes, and payment requests from other Settle businesses
- Custom invoice themes and brand colors
- Stripe-powered payment links
- Tax IDs (VAT, GST, TRN) and currencies
Also includes
Credit notes · Basic reporting · Email send · Templates
Growth
AI-assisted workflows
Understand cash flow
billed annually
Everything in Starter, plus:
- AI collections workflows with tone control
- Connected workflows across Settle businesses
- Policy-aware AI agents operating within approval rules
- Client risk insights and payment scoring
- API and MCP access
Also includes
Up to 3 team members · Adaptive follow-ups · Approval rules for outbound invoices
Scale
Policy-driven operations
Coordinate finance operations
billed annually
Everything in Growth, plus:
- Extended AP intake from vendors outside Settle
- Invoice Me public page, email forwarding, OCR/PDF intake
- Vendor intelligence: invite, verify, block, monitor
- Approval chains for bills before payment
- Fraud defense, sanctions screening, and PO match
Also includes
Custom email domains · Up to 10 team members · Centralized policy · Audit trail
Enterprise
Governed infrastructure
Govern infrastructure
Everything in Scale, plus:
- Isolated AI execution and private model deployment
- Organization-wide policy engine across agents and systems
- Cross-agent governance and workflow approvals across systems
- Audit-grade controls and SSO with advanced permissions
- VPC or airgap deployment in your infrastructure
Also includes
ERP integrations · Agent-to-agent workflows · Dedicated support
Every workspace starts with full platform access so you can experience how workflows connect across Settle.
Scale extends invoice and bill workflows to vendors outside Settle.
Early operator pricing. Customers who join now keep their pricing as Settle evolves.
Invoice Inbox is free on every plan. Receive bills, quotes, and payment requests without an account upgrade.
CSV import on every plan. PDF and OCR import included with Scale.
Pricing FAQ
Quick answers.
- Is there a free plan?
- Yes. The Free plan stays free forever and covers invoice creation, payment collection, a shared inbox, and the default theme. Paid plans unlock escalating follow-ups, vendor management, AI agents, and finance controls.
- What does "full platform access" mean for new workspaces?
- Every new workspace starts with full platform access for a short period so you can see how workflows connect across Settle. Nothing will be charged automatically. If you don't subscribe by the end of that period, your workspace continues on the Free plan with your data preserved. Workflows outside your plan pause gracefully and can be resumed anytime.
- I run my business on spreadsheets today. Why pay for this?
- Because spreadsheets don't send invoices, don't take payments, don't follow up with late clients, and don't tell you what's outstanding without you doing the math by hand. Settle does all of that on the free plan, before anyone pays a subscription. Paid plans come into play when you want automation on top, like escalating reminders and approvals. And if you've got history in a spreadsheet today, drop it in. Settle imports clients, vendors, invoices, and transactions from CSV.
- Can I change plans anytime?
- Yes. Upgrades take effect right away, and your access continues uninterrupted through your current billing period.
- What payment methods do you accept?
- All paid plans are billed through Stripe and accept major credit cards. You can also pay invoices that you receive through Settle via ACH, Apple Pay, Google Pay, and bank transfer.
- Do you charge per user or per invoice?
- Settle prices on operational complexity, not network participation. There are no per-invoice fees and no per-recipient seat charges. Each plan includes a workspace and additional seats as you scale.
- What's included in Enterprise?
- Enterprise plans add custom email domains, ERP integrations, custom branding, dedicated infrastructure, and a named contact for support. Pricing is custom based on volume and integration scope.
- Is there an annual discount?
- Yes. Annual billing on paid plans is the equivalent of two months free compared to month-to-month.
- Do you offer refunds?
- If something isn't working for you on a paid plan, reach out to [email protected] and we'll work with you to make it right.
- Who is Settle for?
- Any business that deals with invoices, bills, payments, payouts, clients, and vendors. The product is the same primitive set whether you're billing project by project or running AP and AR across a team. You decide which capabilities you need as you grow.