Describe the job out loud. Settle turns it into a clean estimate using your prices. You text it. The customer taps Approve or Pay on their phone. The money goes straight into your bank account. We never touch it.
Nothing to set up. Send as many as you want. Cancel any time from your phone.
The other apps vs. Settle
Joist, Invoice Simple, Housecall Pro, Jobber, Square, Invoice2go. Here's what their own customers say, and what we did about it. See the full comparison, with prices and sources.
Some apps run your payments through their own system. Jobber's help center says every new account waits 5 business days for a first payout. ITPro reported Square holding back up to 30% of some sellers' funds.
"Reviews and holds may occur at any time."Jobber help centerPayments go straight from your customer's card to your bank account. Settle can't hold it, delay it or freeze it, because it never passes through us. Not once, not for a day.
Type in every part and price you use. Build templates. Load your customers. Then, maybe, send your first estimate.
"At first it's time consuming, adding items slowly."Joist customerDescribe the job the way you'd tell a buddy. The estimate is written in seconds. Settle remembers your prices from what you send, so there's nothing to type in ahead of time.
Some new apps have a computer guess what a water heater swap costs in your town. You already know what it costs. You've known for years.
Settle writes out the lines and the wording. The numbers are yours: whatever you charged last time. If it has to guess one, it puts an orange dot on it so you check it. After a few jobs the dots mostly go away.
"$8 a month for five invoices." Free plans that disappear. The price goes up once you're in. Cancelling can mean a phone call.
"Canceled two years in a row, still being charged."Invoice2go customerNo limit on estimates or invoices, even on the free plan. One price that never goes up on you. Cancel in your iPhone settings in two taps. Nobody to call.
Some apps lock you out of old invoices when your plan ends. Jobber's help center says your account data stops being available once a cancelled plan ends, so you have to export first.
Everything is saved on your phone. Export it all to a spreadsheet any time, paying or not. That button never goes away.
"Customers can't open the file." "Only works with internet."
"Lost an unsaved bid when a call came in."Invoice Simple customerThe estimate goes out as a PDF and a link, so it always opens. Every change saves the second you make it. You can write it with no bars; you only need signal to send.
What the customer gets
Your business name, your license number, your line items. One button: Approve on an estimate, Pay on an invoice. They can pay by card, Apple Pay or bank transfer, with no account to create. Open the app and you see Viewed, Approved or Paid next to the job.
Their bank statement shows your company's name. Settle shows up once, in small print at the bottom.
How it works under the hood: payments run on Stripe, the same company that processes cards for Amazon, Target and Shopify. You get your own Stripe account, in your name. Settle just sends the payment there. Stripe still checks your identity and sets your payout schedule, so a new account waits a few days for its first payout.
"Swap the 40-gallon in the garage, haul the old one, new flex lines and a pan. Mrs. Alvarez on Desert Inn." That's the whole input.
Lines, labor, materials and the customer are filled in. marks a price it had to guess. Tap, type your number, done. Your prices are remembered.
It goes out as a text with a link. They approve or pay on their phone. You see "Viewed", then "Paid", next to the job.
Free
Pro
Card payments cost the standard 2.9% + 30¢, same as anywhere. That goes to the card processor, not to us. We don't add a cent on top.
Written down so we can't walk it back
Who makes this
"I'm Nina. I've spent my career in digital marketing here in Las Vegas, and I've watched too many good contractors finish a job and then chase the check for weeks. Settle is our fix: say the job out loud, send the estimate, and the money lands in your bank, not ours. I answer the phone myself. If something's wrong, text me; it's my number at the bottom."
Nina Krecicki, founder · Las Vegas, NV · LinkedIn
Settle is an iPhone app for solo contractors. You describe a job out loud, Settle writes a priced estimate using your own prices, you text it from your own phone, and your customer approves or pays from a link. Payments go straight to your own Stripe account, and Settle never holds your money.
No. Your customer pays through a link and the payment goes to a Stripe account in your own name. Settle is never in the money path and takes no cut. Stripe sets payout timing and runs its own identity checks, so a new Stripe account usually waits several days for its first payout.
Settle is free to send unlimited estimates and invoices. Settle Pro is $19.99 a month or $149.99 a year, with a 7-day free trial, and adds unlimited AI-written drafts. Card payments cost Stripe's standard 2.9% + 30¢, paid to Stripe. Settle adds nothing.
No. There is no cap on estimates, invoices or customers, on any plan. The free plan limits only the number of AI-written drafts, to 3.
You tap the orange button and describe the job the way you would tell a buddy. Settle writes a priced, line-by-line estimate in seconds. You fix anything that looks off, add the customer, and text it from your own phone.
No. The numbers are yours: whatever you charged last time. If Settle has to guess a price, it puts an orange dot on that line so you check it. Once you send an estimate, those prices are remembered, so there is no catalog to build first.
No. Settle is iPhone only (iOS 17 or later). There is no Android app and no web app.
Settle is for one person with a truck: no caps on documents, no setup before the first estimate, payments to your own Stripe account, and a two-tap cancel. It has no scheduling, dispatch or crew logins, so crews are better served by Jobber or Housecall Pro. See the comparison with prices and sources.
iPhone, iOS 17 or later. Text Nina: (818) 945-9686 · [email protected]