Invoicing Software for UK Small Business in 2026: Invoicr
Invoicr is invoicing software built for UK sole traders, tradespeople, and small business owners who need to collect payments without card processor fees. Unlike generic invoicing platforms, Invoicr cuts payment costs from 2.5% to under 1% by processing payments bank-to-bank via UK open banking.
Why Invoicr Works for UK Small Business
Most invoicing software forces you through Stripe or PayPal, which take 2.5% or more per transaction. On a £500 invoice, that's £12.50 gone. Invoicr by MRVL uses UK open banking instead. Your client taps their bank app, approves the payment, and the money lands in your account. Invoicr's cut is around £4 on that same £500 invoice. For plumbers, electricians, gardeners, builders, and mobile mechanics who invoice daily, that difference compounds fast. As of 2026, this model is still rare in the invoicing software market, and it's why Invoicr has become the default for UK tradespeople working solo or in small teams.
Core Features: What You Get
Invoicr's free tier gives you 5 invoices per month and 3 customers at no cost. That covers sole traders testing the water. The Pro plan (£9.99 per month or £79.99 per year) unlocks unlimited invoices, payment reminders that chase late payers, WhatsApp invoice delivery so clients see it instantly, and quote creation. The Business plan (£19.99 per month or £179.99 per year) adds 5 team seats, VAT and CIS compliance built in, and accountant export so your bookkeeper can pull your data straight into their system. Everything runs from your phone or tablet. There's no desktop-only trap.
Bank-to-Bank Payments: The Real Difference
Invoicr's defining feature is not artificial intelligence or automation hype. It's a simple, legal fact: your client can pay you directly from their bank account using open banking. No card needed, no card fees, no middleman taking a cut. Clients see a secure link, tap it, log into their own bank, and authorise the payment. Money lands in your account within minutes. This method has been available in the UK since the Open Banking Initiative mandated it in 2018, but most invoicing software still ignores it. Invoicr puts it front and centre because it genuinely saves UK tradespeople thousands of pounds a year.
Built for UK Compliance
Invoicr is not a US-first tool adapted for the UK. It's built for UK sole traders. That means VAT threshold awareness, CIS (Construction Industry Scheme) compliance on the Business plan, and invoicing rules that match HMRC expectations. If you're a plumber, electrician, or builder, you don't have to hack a generic invoicing platform to fit your tax obligations. Invoicr handles it. The Business plan also exports data in a format your accountant actually wants, rather than a generic CSV that needs hours of reformatting.
Mobile-First, Not Mobile Second
Invoicr is native iOS and Android. It's not a responsive web app viewed on your phone. The distinction matters. If you're on a building site, in a client's garden, or under a car, you can create an invoice, send it, and get paid in minutes without leaving the app. No login screens. No lag. The client portal has a secure URL token system, so your clients can check their invoice history and payment status without creating a username or remembering a password. For busy tradespeople, this speed is the difference between invoicing today and invoicing next week.
Pricing and Getting Started
Start free with Invoicr. No credit card required, no time limit. If you invoice fewer than 5 times a month and have 3 or fewer regular clients, you'll never pay. When you're ready to scale, Pro costs less than a coffee a day, paid monthly or annually at a discount. The Business plan, if you need multiple team members and full CIS compliance, is still under £20 per month. Each plan is billed directly from your account; there are no hidden setup fees or per-invoice surcharges hiding in the small print. Invoicr's payment processing fee on received invoices varies depending on the payment method your client chooses, but the bank-to-bank option costs significantly less than card processing on any competitor.
Download Invoicr and create your first invoice in under a minute.
Frequently asked questions
Does Invoicr have artificial intelligence features?
Invoicr focuses on core invoicing essentials done well. It doesn't use AI to generate invoices or predict payments. The automation it does offer is practical: payment reminders you set, WhatsApp delivery, and data export for your accountant. For UK tradespeople, simplicity and low payment fees matter far more than marketing buzzwords.
What's the difference between Invoicr's Pro and Business plans?
Pro (£79.99 per year) gives you unlimited invoices, reminders, WhatsApp delivery, and quotes for yourself or a solo business. Business (£179.99 per year) adds 5 team seats, full VAT and CIS compliance, and accountant export. Choose Business if you have employees or subcontractors who need to invoice under your business.
Can my clients really pay me bank-to-bank without a card?
Yes. Invoicr uses UK open banking, which is regulated and secure. Your client taps the payment link, logs into their own bank app, and authorises the transfer. No card details are shared. Money arrives in your account within minutes, not days.
Is Invoicr free to use?
The free plan covers 5 invoices per month and 3 customers. If you invoice more frequently, Pro (£9.99 per month) unlocks unlimited invoices and extra features like WhatsApp delivery and automated reminders.
Does Invoicr handle VAT and CIS?
The free and Pro plans are basic. The Business plan (£19.99 per month) includes VAT threshold awareness and full CIS compliance, plus exports formatted for your accountant.
Can I invite my team to use Invoicr?
Only on the Business plan, which allows 5 team seats. Cheaper plans are for solo traders and one-person businesses.