Pricing

Free to invoice. Transparent to finance.

No subscriptions, no hidden fees, no surprises. Sending invoices costs nothing. When a buyer pays through your Finvoice payment page, we charge a flat 3% on the amount collected — and invoice financing fees are disclosed before funding.

Invoicing

TZS 0 Free forever

Everything you need to invoice any business in Tanzania and build your Trust Score.

  • Unlimited invoices
  • Unlimited counterparties
  • Acknowledgment and payment tracking
  • Trust Score reputation building
  • Automatic payment reminders
  • Email and SMS delivery
Start invoicing free
Pay per use

Payment Collection

3% per amount collected

When your buyer pays through your invoice's Finvoice payment page — mobile money, bank transfer, or card — a flat 3% is deducted from the payout. Nothing to invoice, nothing to reconcile.

  • Hosted payment page with every invoice
  • Mobile money, bank transfer, and card
  • Instant, automatic reconciliation
  • 3% deducted from the payout — no separate bill
  • Recording off-platform payments stays free
  • Every settlement builds your Trust Score
Start collecting faster
Pay per use

Invoice Financing

1.5% combined platform fee

A clear platform fee applies when an invoice is funded: merchants 1%, financiers 0.5%. Each financing offer still shows its discount and payout before a merchant accepts.

  • Merchant platform fee: 1%
  • Financier platform fee: 0.5%
  • Fees are shown before funding
  • Fees are charged only when an invoice is funded
  • Financier discount and payout are disclosed in each offer
  • No subscription or separate monthly bill
Build your Trust Score
What's included

Everything free, plus financing when you need it

Every business gets the full invoicing toolkit at no cost. Collection through payment pages and financing sit on top — priced per use, only when money moves.

Feature Invoicing — Free Pay per use
Professional invoices in TZS
Unlimited counterparties
Acknowledgment and settlement tracking
Trust Score and reputation profile
Automatic reminders and statements
Record payments made outside Finvoice
Collect via payment page — 3% of amount collected
Cash advance on acknowledged invoices
Invoice financing platform fees — merchant 1%, financier 0.5%
Funds within about 48 hours
Financing

How financing pricing works

Every funded invoice shows the merchant platform fee, financier platform fee, and offer payout before acceptance.

1

Pick an acknowledged invoice

Choose any invoice your buyer has acknowledged and that is still awaiting payment.

2

Review the fees upfront

Before funding, the merchant platform fee is shown as 1% and the financier platform fee as 0.5%.

3

Accept and get funded

The merchant sees the financier's discount and payout before accepting, then receives funds typically within 48 hours.

4

Your buyer pays as normal

On the due date, your buyer settles the invoice as usual. Nothing more to pay, ever.

Fee example
Financed invoice value TZS 10,000,000
Merchant platform fee (1%) TZS 100,000
Financier platform fee (0.5%) TZS 50,000
Combined platform fee rate 1.5%

The financier's offer discount is separate and is disclosed before the merchant accepts financing.

Invoice financing has clear platform fees

Merchant fee
1%

Charged to the merchant when a funded invoice executes

Financier fee
0.5%

Charged to the funding financier on the executed offer

Financier offer
Shown per offer

Discount, payout, and installment terms remain offer-specific

Exact amounts are shown before funding and charged only when funding completes.

FAQ

Pricing questions, answered

The details businesses check before they sign up.

Is invoicing really free forever?
Yes. Unlimited invoices, unlimited counterparties and your Trust Score, at no cost. Free invoicing is the foundation of the network — it will not become paid later.
What does collecting a payment cost?
When your buyer pays through your invoice's payment page — mobile money, bank transfer, or card — a flat 3% of the collected amount is deducted before the payout reaches your account. On a TZS 10,000,000 invoice, that's TZS 300,000, and you receive TZS 9,700,000. If your buyer pays you directly outside Finvoice, recording that settlement is free.
Are there any subscriptions or hidden fees?
No subscriptions, no setup fees, no charges per counterparty. Finvoice has usage fees only: 3% on amounts collected through Finvoice payment pages, plus invoice financing platform fees — merchant 1% and financier 0.5%.
How is my financing rate determined?
The platform fee rates are merchant 1% and financier 0.5%. The financier's discount, payout, and installment terms are still determined per offer and shown before acceptance.
How are invoice financing platform fees paid?
They are not billed separately. The merchant platform fee is deducted at funding, and the financier platform fee is settled at execution. Current rates are merchant 1% and financier 0.5%.
What if my buyer pays late?
Your fee doesn't change — it was fixed when you accepted the offer. We follow up with the buyer, and late settlement is reflected in their Trust Score, not yours.
Do I have to use financing?
Not at all. Many businesses use Finvoice purely for free invoicing and the reputation it builds. Financing is simply there — pre-qualified and priced — for the day you need cash sooner.
Who provides the financing?
Financing is arranged through Tanzania's leading banks and financial institutions. You only ever deal with Finvoice — one clear fee, one advance, no separate paperwork.

Start free. Stay free. Finance when you need it.

Join businesses across Tanzania invoicing for free and building the reputation that lowers their cost of capital.

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Free forever invoicing
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