Common questions, straight answers.

KoPay is invoicing software built for service businesses — contractors, tradespeople, field technicians, and small business owners who send invoices and collect card payments as part of what they do every day. It handles invoices, estimates, online payment collection, fee pass-through, customer management, and AI-powered invoice drafting, all in one place.

Yes — KoPay is free during the early access beta. That includes unlimited invoices, estimates, customers, and full access to all features including AI drafting and Stripe payment collection. We'll announce paid plans before the beta ends and give early users first access to any launch pricing. No surprises.

Go to web.usekopay.app and create a free account with your email. You'll set up your business profile — company name, logo, and invoice settings — and you can start creating invoices immediately. No credit card required.

No. You can create and send invoices without connecting Stripe. Stripe Connect is only required if you want customers to pay online by card directly from the invoice link. If you collect payment another way (cash, check, bank transfer), KoPay still handles all your invoicing and record-keeping.

Yes. KoPay is fully responsive and works on any phone or tablet browser. The AI invoice drafting even includes a microphone button so you can describe the job out loud and get line items generated hands-free — useful when you're on the job site.

A native iOS app is in development. The current web app works well on mobile browsers in the meantime, including invoice creation, customer lookup, and AI drafting with voice input.

When you enable fee pass-through on an invoice, KoPay calculates the Stripe processing fee (2.9% + $0.30) and adds it to the customer's total. The customer pays the full amount — you receive your original invoice amount in full, minus only the KoPay platform fee of 0.59%. No more absorbing card processing costs.

Credit card surcharging is currently not permitted in Connecticut and Massachusetts under state law. KoPay automatically exempts customers in those states from surcharges. For debit card transactions, pass-through is not applied regardless of state — debit interchange rules prohibit surcharging on debit.

KoPay charges a 0.59% platform fee on card-paid invoices. The Stripe processing fee (2.9% + $0.30) is separate and can be passed to the customer via fee pass-through. During the beta, the platform is free — no subscription or per-invoice fee.

KoPay uses Stripe Connect so payments go directly into your Stripe account — not through KoPay first. You connect your existing Stripe account (or create one) and KoPay handles the invoice link and payment page. You control your Stripe payouts and settings separately.

Stripe's standard payout schedule applies — typically 2 business days after a payment is made for US bank accounts. You can configure faster payouts directly in your Stripe dashboard. KoPay does not hold or delay funds.

Stripe's ACH payment support can be enabled through your Stripe account settings. KoPay's payment page will display the options Stripe has enabled for your account. ACH typically carries lower fees (0.8%, capped at $5) and no surcharging restrictions.

Yes. Under Business Settings → Team, you can invite team members by email and assign them a role: Owner, Admin, Member, or Viewer. Each role has different permissions — Viewers can see invoices but can't create or edit them, for example. Role permissions are configurable per business.

During the beta there's no hard limit on team members. We'll publish any limits before paid plans launch.

Yes. KoPay supports parent/child customer relationships. You can create a parent account (e.g., Acme Construction) and link individual contacts to it with department and job title info. This works for businesses with multiple departments, project managers, or for situations like an apartment complex where each unit is a separate customer sharing the same address.

Yes. You can create custom color-coded tags and apply them to any customer — useful for grouping by type (residential vs commercial), priority, or any category that makes sense for your business. Tags are filterable from the customers list.

Yes. Each customer record has a tax-exempt toggle. When enabled, tax is not applied to any invoice or estimate created for that customer, regardless of your default tax settings.