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ClientBilling
Create an invoice

Rails attached to the record

What getting paid costs

ClientBilling is the invoice. How a client pays it is a rail you choose, and every rail has a cost. This page lists the ways money can reach you, what each one takes, and where the number came from. When a cost cannot be known before the card is presented, it says so instead of estimating.

ClientBilling is not a payment processor. It never sees a card number and never holds your money.

ClientBilling may earn a commission if you apply to CDG Commerce through our links. It does not change your pricing. Details

Three rails on a $2,500.00 invoice

The same numbers the homepage shows, on the example invoice. Change the amount on the homepage to see them move.

Card, flat rate
$87.80 fee, $2,412.20 net
Card, interchange-plus
$8.90 known, plus varies by card
ACH bank transfer
$1.00 fee, $2,499.00 net

Source: CDG Commerce pricing, checked Sep 17, 2026. The bank transfer fee is your own setting; the figure above is an example.

Try it with your own amount

Card payments

A card payment costs a percentage of the invoice plus a fixed amount per transaction. Which model is cheaper depends on how much card volume you run, and every processor publishes its rates. The difference is whether the rate is applied to the invoice in front of you before you send it.

Flat Rate
2.90% + $0.30 swiped and mobile, 3.50% + $0.30 online. $9.95 a month. CDG publishes this for $1,000 to $10,000 a month of card volume.
Interchange Plus
0.35% + $0.15 above interchange online. Interchange itself is set by the card networks and varies by card, so the total is not known until the card is presented. CDG publishes this for $10,000 to $200,000 a month.

Source: CDG Commerce pricing, checked Sep 17, 2026.

This is why the invoice shows a known fee and an expected net for flat rate, and a known markup with “varies by card” for interchange-plus. The second number cannot be honest any other way.

Bank transfer and check

Your payment instructions appear on every invoice, so a client can pay by bank transfer or check without a processor in the middle. The fee is whatever your bank charges you, which is why ClientBilling asks you for it rather than publishing one. On a large invoice this is usually the cheapest rail by a wide margin.

The trade is speed and effort: a bank transfer settles on the bank’s schedule and a client has to initiate it, where a card payment is one click for them.

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