CRM Picks

Best CRM with Payment Processing (2026)

By WeekCRM editorial team · · Editorial policy & disclosures

CRMs that take payments built in for 2026 — send an invoice, collect a card or ACH payment, and log it against the client record without bolting on a separate billing tool. Best for service businesses and freelancers.

#1

HoneyBook

CRM · Starter $29/mo, Essentials $49, Premium $109 (annual; $35, $59, $129 monthly); card payments 2.7% + 10 cents; 30-day trial

Client management platform for independent service businesses, combining proposals, contracts, invoices, payments, scheduling and lead forms. Available in the US, Canada, UK and Australia.

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#2

Keap

CRM · Page shows "$299/mo (Billed at $2,988/year)" for 2 users and 1,500 contacts; extra users $384/yr on annual billing or $39/mo monthly; required implementation $500 one-time

Keap is a CRM and marketing automation platform for small businesses, with contacts, email and text campaigns, pipeline, quotes, invoices and an appointment scheduler.

Visit Keap →
#3

vCita

CRM · Kickstart $35/mo, Manage $54/mo, Manage + Grow $93/mo (annual); 14-day free trial

Client management software with online scheduling, invoicing, payments, email/SMS marketing and AI receptionists, for solo and small service businesses.

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#4

Thryv

CRM · Starter $99/mo (1 user), Signature $399/mo (5 users); 15% off annual; Custom quote-based

Software for local service businesses that combines a CRM with listings, reviews, websites, social media and lead insights. Sold in tiers from 1 user to 5 users plus custom plans.

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#5

Bonsai

CRM · Basic $9, Essentials $19, Premium $29, Elite $49 per user/mo (annual; Elite needs 3 users); monthly billing $15-$59; 7-day free trial

Client and project management for service businesses: CRM, proposals, contracts, time tracking, invoicing and a client portal. Plans start at $9/user/mo billed annually.

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How we picked

A CRM that takes payments collapses the gap between closing a deal and getting paid. The five below pass three tests: they send invoices or payment requests from inside the CRM, they collect real payments (card and usually ACH) without a third-party checkout, and they log the payment against the client record so your pipeline and your cash are in one place. We focused on service businesses and freelancers, where this matters most.

What to consider

  • Card and ACH support. Cards are table stakes; ACH/bank transfer saves real money on larger invoices. HoneyBook, Keap, and Bonsai support both; confirm ACH availability on your plan.
  • Processing fees. The subscription is only half the cost. Check the per-transaction rate — some platforms set their own, others pass Stripe's through. For high invoice volume, a 0.5% difference matters more than the monthly fee.
  • Automation around payment. The real win is automatic reminders for unpaid invoices, recurring/installment billing, and payment-triggered workflows. Keap and HoneyBook are strongest here; vcita ties payment to scheduling.
  • Branded client experience. For client-facing businesses, a branded invoice and payment page builds trust. HoneyBook and Thryv emphasize this; Bonsai keeps it clean and simple for solo work.
  • Accounting sync. Payments still need to reach your books. Look for QuickBooks/Xero sync — present in HoneyBook, Keap, and Bonsai — so you're not re-keying revenue.

Pricing snapshot

These are priced as flat monthly platforms rather than per-seat CRMs, which suits the solo and small-team users they target. HoneyBook starts around $29/mo (annual) and bundles CRM, contracts, invoicing, and payments. Bonsai is similarly priced for freelancers and adds light accounting. vcita and Thryv price by plan and business size, with Thryv aimed at local service businesses wanting everything in one place. Keap is the most expensive (from roughly $129/mo) because it pairs payments with serious marketing automation. Remember the real cost is subscription plus per-transaction processing fees — for a business sending a few large invoices a month, ACH support and the processing rate will outweigh the plan price.

Frequently asked questions

What does 'payment processing in a CRM' actually mean?
It means the CRM can send an invoice or payment request, collect the money (credit card, ACH/bank transfer, sometimes Apple/Google Pay), and record the payment against the client and deal automatically — no exporting to a separate billing tool. Most run on Stripe or a built-in processor under the hood, so standard card fees apply.
Which CRM is best for getting paid by clients?
HoneyBook is the strongest for independent service businesses — proposal, contract, invoice, and payment in one branded flow, with automatic reminders. Keap is best if you want payments tied to marketing automation, and vcita wins when payment happens at the moment a client books an appointment.
Are there extra fees for taking payments in a CRM?
Yes — payment processing carries the usual card-processing fee (commonly around 2.9% + $0.30 for cards, less for ACH), separate from your CRM subscription. Some platforms use their own processor and set the rate; others run on Stripe and pass Stripe's pricing through. Always check the per-transaction rate, not just the monthly plan price.
Do I still need QuickBooks or accounting software?
Usually yes. These CRMs handle invoicing and collecting payment, but full bookkeeping, tax, and reconciliation still belong in accounting software. Most (HoneyBook, Keap, Bonsai) sync to QuickBooks or Xero so payments flow through to your books. Bonsai goes furthest toward built-in accounting for solo operators.