Billebly vs Moxie: full freelancer OS or just invoicing?

Moxie (withmoxie.com, formerly Hectic) is an all-in-one platform for freelancers: CRM and sales pipeline, proposals and contracts, invoicing and payments, scheduling, time tracking, and light bookkeeping, starting at $12/month. Billebly does one slice of that job (clients, invoices, time tracking, and payment status) for free, with a small fee only on payments that actually go through. This comparison is for freelancers deciding whether they need a full business-operating system or just a reliable way to bill and get paid.

The short version: Moxie replaces a stack of separate tools if you use enough of it to justify the subscription. Billebly replaces the invoicing and payment-tracking piece of that stack, for free, if that's the only piece you're missing.

Quick comparison

What is Moxie?

Moxie is a freelancer business-management platform built around consolidation: a single login for the sales pipeline, proposals with e-signatures, project and task management, time tracking, invoicing, recurring billing, expense tracking, meeting scheduling, and a branded client portal. It's aimed at solo freelancers and small collaborative teams (the Teams plan caps at 5 members) who are currently juggling several disconnected tools and want one system instead.

Moxie's strength is real: reviewers consistently say the combination of CRM, invoicing, and time tracking in one place removes a lot of manual re-entry. The catch shows up in the pricing structure. The $12/month Starter plan includes invoicing, proposals, and basic accounting, but workflow automation, the white-labeled client portal, the API, Zapier, and the QuickBooks integration are all locked to the $25/month Pro plan. Several reviewers describe this as the entry plan feeling like "a manual record-keeping tool" until you pay for Pro. Reliability complaints also turn up in reviews: disappearing tasks, invoice reminders silently breaking after updates, and a Teams tier that caps out at 5 people, which rules Moxie out for growing agencies.

What is Billebly?

Billebly is a free invoicing and payments tool for freelancers, coaches, and consultants. It covers a client list, invoice creation (one-off and recurring), time tracking that turns logged hours into invoice line items, and a payment dashboard showing what's paid, pending, and overdue. Clients pay through a hosted link with no account required, and none of that loop sits behind a plan tier or a setup step.

That focus is a deliberate choice, not a gap: Billebly is built to do the billing-and-payment job well rather than to be a full business-operating system, so it leaves the CRM pipeline, proposal editor, workflow automation, and bookkeeping ledger to tools built for that purpose. The payoff for staying narrow is price: no subscription, ever, and no cost in a month where nothing gets billed.

Billebly vs Moxie: key differences

The real difference isn't feature count, it's scope and pricing model. Moxie is a subscription business-operating system: sales pipeline through delivery through billing. Billebly is a billing-and-payment-status tool: it assumes you already have a way to pitch and sign clients, or don't need one, and just want the part where hours become invoices and invoices get paid.

The pricing models pull in opposite directions too. Moxie's cost is fixed per month regardless of how much you bill: useful if you're using the CRM and automation daily, wasteful if you're not. Billebly's cost is zero until a payment is actually processed, so a slow month costs nothing and a busy month costs a small, predictable percentage.

Features comparison

Pricing comparison

Moxie: $12/month (Starter, billed monthly) or $10/month billed annually for the entry tier; $25/month (Pro) or $20/month annually for automation, white-label portal, and integrations; $40/month (Teams, up to 5 members) or $32/month annually. A 14-day free trial is available, no card required. The practical cost to consider: the Starter price looks cheap, but the features most people associate with "all-in-one" (automation and the client portal) require Pro, so budget for $20 to $25/month if that's what you actually want.

Source: Moxie's pricing page (opens in a new tab).

Billebly: free with no tiers. A 0.5% platform fee applies only to payments processed through the platform, plus Stripe's standard processing fee (roughly 1.5% + €0.25 for cards, less for bank methods like iDEAL/SEPA). You choose whether you or the client absorbs the platform fee. There's no minimum, no seat fee, and nothing charged for invoices that go unpaid or unsent.

For a freelancer billing €3,000/month, Moxie Pro costs $25/month regardless of billing volume. Billebly costs roughly €15 to €20 in fees on that same volume, invoiced or not, which is cheaper at low-to-moderate volume, though the comparison shifts if you're also using Moxie's CRM, proposals, and automation and would otherwise pay separately for those tools.

Invoicing and billing

Both tools generate one-off and recurring invoices, and both let tracked time flow directly onto an invoice as billable line items without manual re-entry. Both also support sending a quote before the work starts: Billebly's converts directly into an invoice once the client accepts, no proposal-editor step required. Moxie adds automatic late-fee options, deposit/payment-plan invoices, and email follow-up sequences. Billebly automatically flags a failed or declined recurring payment the moment it happens, but doesn't have Moxie's payment-plan or deposit-invoice structure.

Where Moxie pulls ahead: full proposals with e-signature that convert directly into a project and invoice once signed. Where Billebly pulls ahead: nothing extra to configure or pay for if all you need is the quote-to-invoice-to-payment path, with no automation tier required to get invoices sent and tracked.

Payments

Moxie processes payments through Stripe (cards, Apple Pay/Google Pay) and PayPal, at standard Stripe rates (2.9% + $0.30 for cards) with an additional $1 per ACH transaction charged by Moxie on top of Stripe's ACH fee. Billebly processes through Stripe only, with a flat 0.5% platform fee plus Stripe's processing rate, and supports cards, iDEAL, SEPA, Klarna, Amazon Pay, and bank transfers depending on the client's location. Neither publishes a specific payout-speed guarantee; both rely on standard Stripe payout timing.

Ease of use

Moxie's onboarding is fast (roughly 3 minutes to sign up), and reviewers generally praise the dashboard's simplicity for what it shows. The tradeoff shows up once you go looking for automation or a branded portal and discover it isn't included at the entry price. Several reviewers describe this gap as the most frustrating part of getting started. Some also flag a "little clunky" learning curve and a basic mobile app.

Billebly's setup is intentionally shallow: add a client, build an invoice, send one payment link, track status on a dashboard. There's no plan selection, no automation to configure, and nothing gated behind a higher tier, because there isn't one.

Which is better for freelancers?

A freelancer actively selling (pitching, proposing, negotiating) and managing an ongoing pipeline of prospects will get real use out of Moxie's CRM, especially at the Pro tier. A freelancer whose sales process happens outside any software, relying on referrals, existing relationships, or a separate tool they already like, and who mainly needs invoices sent and payments tracked has less use for that layer and will find Billebly cheaper and simpler for the exact task they need done.

Which is better for small businesses?

Neither tool is built for teams past a handful of people. Moxie's Teams plan caps at 5 members, and Billebly is built for a single operator by design, with no team or multi-user layer to configure in the first place. A small business with several people who need shared visibility into a sales pipeline will eventually outgrow Moxie's structure, and will outgrow Billebly's single-operator model sooner still. For a freelancer, coach, or one-person consultancy, though, that focus is exactly the point: no seats to manage, no permissions to set up, just billing that works for one person.

Who should choose Moxie?

A solo freelancer or consultant currently paying for three or more separate tools (a CRM, an e-signature tool, an invoicing app, a scheduler, a time tracker) who wants one login and is willing to pay $25/month for the version of Moxie that actually delivers on the all-in-one promise.

Who should choose Billebly?

A freelancer, coach, or consultant who already has proposals and contracts handled elsewhere (or doesn't need them), doesn't want a monthly subscription for software they might use lightly some months, and wants the invoicing-time tracking-payment loop to just work without configuring automation or picking a plan.

Is Billebly a good Moxie alternative?

Yes, for the invoicing and payment layer specifically: if the main things you use Moxie for are sending invoices, tracking time against clients, and seeing what's been paid, Billebly does that same job without a subscription. Someone paying $25/month for Moxie Pro mainly to invoice and get paid, with the CRM and automation sitting mostly unused, is a good candidate to switch and can put that $25/month back in their pocket. For the CRM, proposals, and automation layer, Billebly stays out of that lane on purpose, so someone relying on Moxie's pipeline, proposals, or automation daily is better off staying put.

Moxie alternatives

Moxie sits in a crowded category of all-in-one freelancer platforms, alongside tools like Plutio, Dubsado, and HoneyBook, each with its own mix of CRM depth, automation, and price. If the appeal of that category is specifically the CRM-to-invoice pipeline, those are worth comparing directly. If the appeal was mainly "one tool instead of five" but the actual daily use is closer to "send invoices and track payments," a narrower tool like Billebly is worth trying before committing to another subscription.

Final verdict

For most freelancers, coaches, and consultants, the bottleneck isn't a missing sales pipeline, it's getting an invoice out, tracking the hours behind it, and knowing what's been paid. Billebly does exactly that for free, with nothing to configure and no cost until money actually moves. It's also worth weighing Moxie's real friction points before committing to it: the $12/month Starter plan holds back automation and the branded client portal until you upgrade to Pro, and reviewers report reliability issues like disappearing tasks and invoice reminders breaking after updates. If you're actually running an active sales pipeline with proposals and automation day to day, Moxie's Pro plan earns its $25/month. Most other freelancers are better served starting free and adding paid tools only once a real gap shows up.