Invoicing Software Terms Scanner

Analyze invoicing terms for payment processing fees, data ownership, and what happens when you switch providers.

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Invoicing Software Provisions I Check First

Your invoices contain sensitive client and financial data. Know who owns it and what happens when you leave.

Payment Processing Fees

High Risk

Accept credit cards through the platform? Fees range from 2.9% + $0.30 to 3.5% + $0.30 per transaction. Hidden fees add up fast.

Look for: Transaction fees, ACH fees, international payment fees, and chargeback costs.

Client Data Ownership

High Risk

Your client list and contact info may be used to market the platform's services directly to them. Some share data with partners.

Look for: Data usage rights, marketing permissions, and third-party sharing clauses.

Data Export Limitations

Medium Risk

Switching providers? Export may only include basic CSV data—not attached files, custom fields, or payment history.

Look for: Export formats, what's included, and post-cancellation access periods.

Tax Record Retention

Medium Risk

IRS requires 7 years of records. If you cancel, you may lose access to invoice history needed for audits.

Look for: Data retention periods, archive access, and compliance with tax regulations.

Automatic Upgrades

Medium Risk

Hit client or invoice limits? Some platforms auto-upgrade you to the next tier with higher monthly charges.

Look for: Usage-based billing, tier limits, and automatic upgrade policies.

Payment Hold Policies

Medium Risk

Integrated payment processing can hold funds for verification or disputes. Your cash flow depends on their release timeline.

Look for: Fund hold periods, verification requirements, and dispute resolution timelines.

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