The only invoicing system that runs your whole business, kills card fees, and gets you paid fast.
InvoiceChamp turns on dual pricingTwo prices on every invoice: a lower price for cash, check, or bank transfer, and a card price that covers the processing fee — so the fee comes off the customer's choice, not your margin. by default, sends pay-by-text invoices, and syncs to QuickBooks — so you stop bleeding margin to your processor and start keeping what you earn.
Free to start · No contract · Built by Champion Payments
Built for the businesses that take cards all day
Every business owner is losing money — and can't see it on the bank statement.
Three leaks quietly drain your margin and your cash flow every single month.
High card fees
Every swipe skims ~3% off work you already did. On $30K/month that's $900 gone — to a processor that did none of the labor.
Slow payments
"I'll mail a check" turns a finished job into a 2–4 week wait. That's your cash financing your customer instead of your next supply run or payroll.
Tool chaos
Invoicing here, payments there, customers in a notebook. Four apps that don't talk — and you stitching them together after hours.
The Solution: InvoiceChamp
One dashboard that plugs all three leaks — keep the fee, get paid today, run the whole back office in one login.
Keep card fees off your margin.
The Cash-Price Switch puts two prices on every invoice — a lower price for cash, check, or bank transfer, and a card price that covers the processing fee. The customer picks; the fee never comes out of your pocket.
On by default
Every invoice shows both prices automatically — no math, no awkward conversation.
Compliant by design
A cash-discount program set up and maintained by payments experts, so you never touch the rules.
Customers don't blink
They see two prices everywhere now. They pick — and either way the fee is off your books.
Get paid fast — not next month.
Text or email a pay link the second the job's done. One tap, no app, money on its way to your account fast.
Pay-by-text links
Collect a deposit or full payment with a single link — no invoice required.
One tap to pay
No download, no account. Customers pay in seconds from their phone.
Funds fast
Stop floating your customers' bills — payments can land as soon as the next morning.
Run the whole back office in one place.
Invoices, estimates, customers, and payments together — and it all flows to QuickBooks automatically.
Estimates → invoices
Approve a quote and turn it into a paid invoice in one click.
QuickBooks sync
Everything posts to QuickBooks automatically. Your books stay clean with nothing to do.
Virtual terminal
Key a card over the phone or at the counter — no extra hardware.
Built to put real money back in your pocket.
Real owner stories land as our first businesses go live. Here's what InvoiceChamp is built to do.
Trusted by local businesses that take cards all day.
What owners say after they switch. (Sample placeholders — swap for verified reviews at launch.)
"[Stopped eating 3% on every ticket. The cash-price thing pays for the whole tool by itself.]"
"[We text the invoice before we leave the driveway and it's paid before we hit the next job.]"
"[Replaced three apps with one login and my bookkeeper actually thanked me.]"
"[Setup took an afternoon and a real human walked me through the whole thing.]"
"[I didn't realize how much I was handing the processor until I saw the breakdown. Eye-opening.]"
"[Customers don't even notice the cash/card prices. They just pay.]"
Ryan Cabrera
Founder & CEO,
Champion Payments & InvoiceChamp
Hi, I'm Ryan Cabrera, founder and CEO of Champion Payments — the team behind InvoiceChamp. I started Champion Payments because I was tired of watching local owners hand thousands a year to their card processor and get a faceless 1-800 number in return. InvoiceChamp is how we fight back: keep card fees off your margin, get you paid faster, and put your whole back office in one login. We're real local people who answer the phone — no gimmicks, just more of every dollar you earn staying where it belongs.
Simple pricing. Keep more either way.
Start free. Upgrade to Pro when you're ready to turn on dual pricing and get paid faster.
Just getting started or invoicing the basics? Start here — free, forever.
- Professional, branded invoices
- Online payments & pay links
- Customer management
- Estimates & quotes
Turn on dual pricing, get paid faster, and run the whole back office in one place.
- The Cash-Price Switch (dual pricing)
- Fast pay-by-text links
- Recurring & auto-billing
- QuickBooks sync
- Jobs, projects & documents
- Virtual terminal
- Priority human support
No setup fees. No long-term contract. Cancel anytime.
Plug in InvoiceChamp and stop paying your customers' card fees — guaranteed.
Start for freeFree to start · No contract · No credit card · Keep your current bank