Agencies and studios
Invoicing and card payments for agencies
You invoice brands and businesses for retainers, projects, and monthly services, and you want the invoice tool free while card processing stays on a real merchant account.
ClientBilling may earn a commission if you apply to CDG Commerce through our links. It does not change your pricing. Details
What the invoice tool covers
- Recurring schedules for retainers and monthly fees
- Client statements that show open and paid work
- Public invoice links your account managers can send
- CSV export for the bookkeeper
Unpaid invoices always work. Card fields never appear on ClientBilling. See how invoicing works.
Interchange Plus rates CDG publishes
You pay the card networks' interchange at cost, plus CDG's fixed markup. The markup is published, so the bill is auditable. Band: $10,000 to $200,000 a month. Monthly fee: None published.
0.35% + $0.15
Online, above interchange
0.30% + $0.10
Retail, above interchange
0.25% + $0.10
Nonprofit, above interchange
Source: CDG Commerce interchange plus pricing, checked Sep 17, 2026.
- Note
- Quantum or Authorize.Net gateway included, no per-transaction gateway fee.
- Note
- Countertop terminal placement $79 a year, no purchase required.
- Note
- Interchange and card-network fees are separate and set by the networks.
When this path fits
Pros
- Average tickets are often large enough that interchange plus markups matter
- Clients may prefer card on the invoice rather than a separate portal
- Published online markups are on CDG's pricing pages
Cons
- You need a full agency OS with time tracking and proposals
- Most clients pay only by ACH or wire and never ask for card
- You are outside the U.S.
More on the channel page: CDG for B2B payments.