billingto.com

What It Is

BillingTo is an online invoicing and payment collection platform for small businesses, positioned around the idea of “charging customers from your own website.” Merchants can set up subdomains such as bill.yourcompany.com, so the payment links customers receive remain under the merchant’s own branded domain, reducing hesitation around third-party checkout pages.

Core Capabilities

Its core purpose is not to replace an acquirer, but to connect with the merchant’s existing Merchant ID and payment processor. The site emphasizes that merchants can keep their existing rates, have funds deposited directly into their bank account, and pass processing fees on to the payer by default, achieving what it calls net deposits. Features include unlimited invoices, secure payment links, real-time payment tracking, invoice open/payment status, geolocation tracking, automatic or manual reminders, mobile operation, plus recurring billing and advanced branding in the Premium plan.

Payments, Compliance, and Risk Control

Disclosure around payment methods is somewhat limited. ACH/eCheck is explicitly mentioned: customers pay no fee, while merchants pay $1.99 per transaction. Other payment methods depend on the merchant’s own processor, but the site does not list specific supported card networks, wallets, or payment processors. On security and compliance, the website claims 256-bit SSL, PCI DSS compliant payment processing, cloud backups, 99.9% uptime, and GDPR Ready status. Risk control is mainly reflected in improved trust through branded domains, geolocation tracking, and payment-status visibility; there is no clear mention of advanced risk tools such as fraud scoring, 3DS, or chargeback management.

Pricing, Pros, and Cons

Pricing is straightforward: Basic at $19/month and Premium at $39/month, with a 14-day free trial and no long-term contract. The advantages are low monthly cost, strong branding, the ability to reuse existing merchant rates, and lower costs for large invoices via ACH. The drawbacks are that new merchants still need to bring their own merchant account, while details on supported countries, currencies, specific payment rails, API capabilities, and service SLA are insufficiently disclosed.

Who It’s For and Access from China

BillingTo is better suited to small U.S. service providers, subscription businesses, and companies that already have a merchant account. If you need global acquiring, built-in wallets, local payment methods, or a full developer API, Stripe Invoicing, PayPal Invoicing, Square Invoices, QuickBooks Payments, and Zoho Invoice may be more mature options. The main content does not provide information on access from mainland China, so its status is unknown. Chinese merchants should also carefully verify the availability of U.S. merchant accounts, bank settlement, and compliance requirements.