When Is a Card Required?

Short answer

Before you send your first invoice email. Signup itself never asks for a card.

The flow

1. 1

   Sign up with your name, email, password (8+ characters with at least one number), and a phone number for SMS verification.

2. 2

   Build a client and create your first invoice — no card required.

3. 3

   When you click Send Invoice, a modal appears: "Add a card to send your first invoice."

4. 4

   Enter your card details. We use Stripe to save the card; nothing is charged.

5. 5

   The send proceeds automatically once the card is saved.

Why we ask

A card on file is our strongest signal that you're a real business operator, not a fraud-ring account creating free invoices to wire-fraud unsuspecting recipients. Card collection at first-send time catches almost all abuse — fraud accounts won't put real card details against an account they plan to abandon — without slowing legitimate users down.

Will my card ever be charged?

Not on the free plan. The card sits on file as a fraud signal. The card is only charged if you upgrade to Pro, and even then we use that same saved card. You'll always see a clear upgrade screen with the Pro price before any charge.

Existing accounts

If you signed up before this change and already have a card on file (from the old signup flow or from a Pro subscription), you won't see the new modal. The send-first-invoice gate only triggers when there's no card on file.