For completed work, invoices are the way to go. Just create one in your account and send it to your client. Once they pay, the money will land right in your Mellow balance.
When to use an Offer
You haven’t completed the work yet
You need money upfront
You’re working with a new client and want to play it safe
When to use an Invoice
The work is done and dusted
You want to get paid quickly without extra hassle
Your client prefers paying by card
Creating an Invoice: Step-by-Step Guide
Step 1. Registration
First things first – sign up at mellow.io. Need help? Check out our detailed guide in the Knowledge Hub.
Step 2. Adding a Client
Quick note: Right now, you can only create invoices on our website (mellow.io).
Head to the “Invoices” section in your account and click “Create invoice”.
You can pick an existing client or add a new one with the “New client” button.
Must-have info:
Where’s the client based?
Client’s full name
Email address (where we’ll send the invoice)
Good to have:
Company registration number
VAT number (if they don’t provide one, we’ll use the standard rate)
Step 3. Filling Out the Invoice
Let’s cover the basics:
How much are you charging?
Pick your currency (EUR or USD)
Who’s covering the fee? (you or your client)
Here’s what we charge:
- Bank transfers: 5%
- Card payments: 7.5%
Is your client paying by card? Just tick “Yes” under “Payment by card”. Keep in mind – once the invoice is created, you can’t change this.
Enter your full name – we’ll put this on the invoice.
Tell us what work you did. Your description, including the timing and type of work, will appear on all the paperwork.
Step 4. Review and Send
Click “Continue” to see how everything looks. You can either save it for later or fire it off to your client right away. Once sent, we’ll mark it as “Pending payment.”
Payment Process for Clients
Just so you know – right now, we can only handle payments from companies, not individuals. But don’t worry; we’ll be working on adding support for individual clients soon.
Your client will get an email with a payment link. When they click it, they’ll see what they’re paying for, how much it costs, and can choose between bank transfer or card payment.
After they hit “Pay,” we’ll quickly check their company details – it’s all automatic.
Verification Process
The first time a client pays, we:
- Check if we already know their company
- For new companies, we verify their details and VAT number (if they have one)
It usually takes about 10-15 minutes. Once a company’s verified, they can pay future invoices instantly.
If something doesn’t check out, we’ll ask them to review their info. They can always reach out to us via chat or at [email protected] if they need help.
Payment Methods
Bank Transfer
We’ll send your client a PDF invoice with our company details (we’ll use our American, Cypriot, or Hong Kong entity, depending on where they’re based). The money typically takes 1-3 business days to come through.
Card Payment
We’ll direct your client to our payment partner:
- For US clients: Stripe
- Everyone else: Unlimit
This usually takes just a few minutes, and there’s no limit on how much they can pay.
After Payment
We’ll shoot you an email when the money comes in. You’ll see it in your Mellow balance right away, ready for you to withdraw however you like.
Want your paperwork? All your documents (certificates and invoices) will be waiting in the “Documents” section.
Frequently Asked Questions
What’s the real difference between invoices and offers?
Think of offers as a safety net – great when you need money upfront. We hold onto the funds until you finish the work, so you know you’ll get paid. Perfect for new clients or bigger projects.
Invoices are more straightforward – use them when the work’s done and you just want to get paid. Your client doesn’t need to sign up for anything and can pay however they prefer.
Can I use this with individual persons?
Not just yet – we’re currently set up for business clients only. But stay tuned, we’re planning to add support for individual clients soon!
What about fees?
Here’s the deal:
- Bank transfers cost 5%
- Card payments cost 7.5%
You can either:
- Cover the fee yourself (we’ll subtract it from what you receive)
- Have your client cover it (we’ll add it to their bill)
How can clients pay?
They’ve got two options:
- Regular bank transfer (5% fee)
- Card payment (7.5% fee)
What paperwork does everyone get?
Your client receives:
- An invoice for their records
- A work acceptance certificate if they need one
You’ll get:
- A work acceptance certificate
- A tax invoice
Everything goes straight to your email.
Does my client need to sign up to pay me?
Not at all! They just need to provide some basic company details:
- Company name
- Country
- Registration number
- VAT number (for European companies)
What if verification doesn’t work?
Usually, it’s one of two things:
- Something’s off with the information – ask them to double-check
- A technical hiccup – our support team can help sort it out
How do I handle team projects?
For projects with multiple people, offers work best. Check out our guide on creating offers – it’ll walk you through everything.
Where can I create invoices?
For now, just on mellow.io in your account. Don’t worry, we’re bringing this to our mobile app soon!
How can I reassure clients about Mellow's reliability?
Here's what makes Mellow trustworthy:
10+ years of market experience
1,000+ happy clients, including SumSub, Joom, G2G, and Appnext
Top ratings on Trustpilot and Capterra
Baker McKenzie audited
Partners with Revolut, Unlimit, and Ecompay
Offices in the USA, UK, Cyprus, and Hong Kong
The team is spread across 19 countries
Featured in Forbes, Business Journal, Spiceworks, Benzinga, Yahoo Finance, and Supermoney
Official service agreement ensuring quality and legal compliance.