Paynote is a bank-to-bank payments platform targeted at freelancers and agencies. As a freelancer I was losing money when I got paid, and many of the contractors I hired asked that I pay their fees on top of what I owed them. That's why we have a Basic (Free) plan with a pay-what-you-want system for processing fees. That's right, you get to pay whatever you want, including $0. With Paynote, freelancers don't have to give clients sensitive banking information, and the client only has to link their bank account using their normal online banking credentials. It's simple and easy to use and integrates seamlessly with Freshbooks invoicing. Paynote uses ACH to transfer funds directly to your bank account, no fees, no hassle, just getting paid.