Independent, Not Alone
For a few days I was convinced there was a hive inside my thyme plant. What I found instead changed…
| Payment method | HoneyBook fee | Annual cost on $100K |
|---|---|---|
| Card (Visa/Mastercard) | 2.9% + $0.25 per transaction | ~$2,900 |
| Amex / Discover / card-on-file | 3.4% + $0.09 per transaction | ~$3,400 |
| ACH bank transfer | 1.5%, no cap | $1,500 |
| Tool | Best for | Strength | Limitation |
|---|---|---|---|
| Happ | Creatives leaving over payment fees who want contracts, payments, invoicing, and client records in one mobile-first platform | No percentage of deals, ever: ACH is 0.8% capped at $5 plus a flat $1.90 Service fee per transaction; free plan available, Pro at $20/month. AI contract creation from real deal data, built-in e-signature · and it connects to ChatGPT, Claude, and Perplexity, so you can ask your own AI about your contracts, clients, and payments | Newest platform on this list, founding community centered in New York, some features still rolling out. Not a marketplace · it does not find you clients. Card rate (3%) is comparable to HoneyBook's, not cheaper |
| Dubsado | Creatives leaving for deeper automation, not price | The most customizable workflows, forms, and contract logic in the category | Steep learning curve; expect real setup time. Verify current pricing |
| Bonsai | Freelancers who want a simple, broad all-in-one (proposals, contracts, invoicing, accounting) | Wide feature surface with a gentle learning curve | Less depth per feature than specialists; verify current pricing and transaction fees |
| Studio Ninja | Photographers specifically | Photography-first CRM with industry defaults out of the box | Narrower fit outside photography; verify current pricing |
| 17hats | Budget-conscious solo service businesses | Covers the core workflow at a lower typical price point | Interface and templates feel dated to some users; verify current pricing |
| Build your own stack | Very low volume, maximum control | An e-signature tool plus an invoicing tool plus a spreadsheet can cost near zero | You are the integration: nothing links the contract to the payment to the client record, and it stops scaling as bookings grow |
| Why you're leaving | Strongest fit |
|---|---|
| The transaction fees on large bookings · you invoice big amounts by bank transfer | Happ · the uncapped 1.5% ACH fee is the single cost a capped rail eliminates. A $10,000 invoice paid by ACH costs $150 on HoneyBook and $6.90 all-in on Happ ($5 capped ACH + $1.90 Service fee) |
| The subscription price itself | 17hats, Bonsai, or Happ's free plan · compare against the features you actually use |
| You've outgrown the automation | Dubsado · you're not leaving to save money, you're leaving for control |
| You only shoot · you want photography defaults | Studio Ninja |
| You send two contracts a month | A build-your-own stack, honestly · a platform earns its keep at regular volume |
| Cards are your main payment method | Card rates are similar across the entire category, HoneyBook included. If fees are your only reason and clients only pay by card, switching gains you little · pick on features and workflow instead |
Yes. In February 2025, monthly prices moved from $19/$39/$79 to $36/$59/$129 across the three tiers · an increase of up to 89% on the Starter plan. Annual billing is $29/$49/$109. Verify current pricing at honeybook.com/pricing.
Yes. 2.9% + $0.25 per card transaction (3.4% + $0.09 for Amex, Discover, and card-on-file), 1.5% uncapped on ACH bank transfers, and 1% extra for instant deposits · all on top of the subscription. Confirm current rates at honeybook.com/pricing.
For pure subscription cost: a build-your-own stack or a free plan (Happ has one; verify others). But the cheapest option depends on your payment volume · if you process large bank transfers, the fee structure matters more than the subscription. Run the math on your own numbers before deciding.
No. 0% commission on deals · Happ never takes a cut of what you earn. You pay a flat $1.90 Service fee per transaction plus payment processing (ACH 0.8% capped at $5 · Card 3%). All-in, an ACH payment never costs more than $6.90. Happ makes money on subscriptions and that flat fee, not on a percentage of your deals.
On Happ, yes. AI Integrations connects your Happ workspace to ChatGPT, Claude, and Perplexity, so questions like "who still owes me money this quarter" or "what did I earn last quarter" are answered from your real contracts, clients, and payments · inside the AI you already use. Access is read-only and approved by you; your AI can prepare a contract draft, but only you can review and send it, from inside Happ. Your data is never used to train AI models.
Maybe not on fees alone · card rates are comparable across the category, including HoneyBook's. Switch for card-paying clients only if the workflow, pricing model, or platform fit is the draw. Where the math changes decisively is bank transfers and large invoices.
No, if you export before canceling. Contacts and documents export; automations and templates don't transfer and need rebuilding on the new platform. Signed contracts remain valid as records · store the PDFs and standardize forward from your first contract on the new platform.
Most tools here offer trials, and Happ has a free plan with no time limit · you can send a real contract on it before deciding anything.
In February 2025, HoneyBook raised its prices substantially: the Starter plan went from $19 to $36 per month, Essentials from $39 to $59, and Premium from $79 to $129, with annual billing now at $29, $49, and $109. On top of the subscription, every payment processed through the platform carries a fee: 2.9% + $0.25 for most cards, 3.4% + $0.09 for Amex, Discover, and card-on-file payments, and a flat 1.5% on ACH bank transfers, uncapped. For many creative professionals, the payment fees exceed the subscription several times over.
If that math sent you searching for alternatives, this guide compares the realistic options. Verify current pricing on every vendor’s site before switching · rates in this category change often.
This guide is published by Happ, which appears in the comparison below. We state each tool’s genuine strengths and our own limitations, and where HoneyBook’s pricing is competitive · card rates, for example · we say so.