Invoicing app that displays transaction fees upfront
Built for Small business owners who accept card payments and need to invoice customers while understanding exact fee impacts on margins..
“If you plan on using the app to take payments, you have to do the math, to figure out how much this company takes. If not, you'll get screwed. it would be great…”
The receipts — real demand
“If you plan on using the app to take payments, you have to do the math, to figure out how much this company takes. If not, you'll get screwed. it would be great if they just automatically added the 3.5% on keyed in transactions, and the 2.75% on in person transactions. And if they haven't thought of that until after reading this then it sure would be nice to get 3.5% of the annual transactions they take from other sm…”
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Why this is a gap
Surfaced from a high-intensity complaint with clear willingness to pay and a specific, reachable audience.
The market
Small business owners accepting card payments need invoicing that shows exact fee impacts on margins. No search volume data; the pain is acute ("you'll get screwed") but audience size is unclear—likely spans 100K+ SMBs juggling payments.
Competition & the opening
Square Invoices, FreshBooks, and Wave exist, but none transparently show payment processing fees in the invoice creation flow as a line-item impact on net margin. The gap: real-time fee calculation integrated into invoicing, not buried in payment settings.
What's hard to build
Integrating multiple payment processor fee schedules (Stripe, Square, PayPal, ACH) with real-time fee lookups and maintaining accuracy as fee structures change monthly is a data and sync problem. Feasibility 7/10 because payment APIs exist but fee calculation logic is fragmented and easy to get wrong.
Why now
Payment processing complexity is a persistent friction for SMBs adopting mobile/digital payments and margins are being squeezed.
How you'd monetize
$9.99/mo + 0.5% transaction fee