Mallow Review
Invoicing, contracts, and payment collection for US and Canada digital service firms, sold as a flat monthly fee instead of a percentage cut
Is this your product? Claim this page · Request a change
What is Mallow?
Mallow is invoicing, payments, and eContracts software built for marketing agencies in the USA and Canada - designed to replace the ~3% transaction fee charged by tools like Stripe, QuickBooks, and Square with a flat monthly subscription and pass-through processing costs.
With Mallow, you can build invoices, collect payments with the lowest payment processing fees available, send contracts, and collect legally-binding eSignatures on documents - all in one app. While most invoicing tools charge a 3% fee for every card payment and a 1% fee for every bank transfer, Mallow gives agency owners access to card fees as low as 0.35% and bank transfer fees of only $0.20. A standard marketing agency processing $50,000 in monthly revenue would save $420/month compared to QuickBooks or $550/month compared to Stripe. Mallow also replaces standalone eSignature tools like DocuSign or PandaDoc with an agency-specific contract builder, template library, and eSignature suite. Everything - invoices, contracts, and client-facing emails - is white-labeled to the agency's own brand.
Who it's for
- ✓ Small marketing agencies billing monthly retainers by card or ACH whose current processor takes roughly 3% per invoice
- ✓ Agencies that want client contracts, eSignatures, and invoices in one subscription instead of paying separately for an eSignature tool
- ✓ US or Canada service firms sending a small number of high-value invoices, where a flat bank transfer fee beats a percentage fee
Who should look elsewhere
- ✗ Businesses not legally registered in the USA or Canada, which cannot open an account
- ✗ Ecommerce, retail, or in-person sellers needing hosted checkout, terminals, or a payments API
- ✗ Teams wanting full accounting, expenses, time tracking, or project management in the same tool
Pros
- + Interchange plus card pricing is passed through rather than marked up; the vendor states its blended average card fee is under 2.3%
- + ACH and EFT bank transfers are charged as a flat per-transaction fee that does not scale with invoice size
- + Contract templates and eSignatures are built in, with no per-envelope limits described
- + Invoices and signature requests can be white-labeled with the agency's branding
- + Recurring subscription billing for retainer clients on either card or bank transfer, plus a QuickBooks Online sync for bookkeeping
Cons
- – The ACH and EFT fee is stated inconsistently across the vendor's own pages: $0.10 on the savings calculator, $0.20 on the homepage and pricing page, and $2 flat on the comparison pages. Confirm the current figure in writing before switching
- – Card cost is variable, quoted from under 0.5% to about 2.9% depending on the card, so a client base paying with premium rewards cards will see much smaller savings than the headline average
- – The subscription is a fixed monthly cost regardless of volume, so low invoice volume can cost more than free or percentage-only invoicing tools
- – Only QuickBooks Online is named as an integration; no public API, Zapier app, or marketplace was found, and there is no accounting, expense, or time tracking module
Mallow pricing
No public entry price to compare, so budget depends on a sales quote.
| Plan | Price | Highlights |
|---|---|---|
| Pricing is quote-only. Contact the vendor for a quote. | ||
Mallow describes a flat monthly software fee plus pass-through processing: interchange plus on cards (stated range under 0.5% to about 2.9%, blended average under 2.3%) and a flat per-transaction fee on ACH and EFT bank transfers. No confirmed subscription amount was visible on the pricing page at the time of checking, and the site directs buyers to a sales call. Customer testimonials on the site and a founder-published listing reference $100 per month, which is not confirmed vendor pricing. Bank transfer fee figures differ between pages. Verify all amounts with the vendor.
Pricing verified September 8, 2026 · source
Mallow FAQ
How does Mallow charge for payment processing?+
It charges a flat monthly software fee and passes card brand costs through at interchange plus pricing, so the card fee varies by card. The vendor states the range runs from under 0.5% to about 2.9%, with a platform-wide average below 2.3%. Bank transfers carry a flat per-transaction fee.
Who can sign up?+
The vendor states Mallow is available only to businesses and professionals legally registered in the USA or Canada and in good standing.
Does it handle retainers and contracts?+
Yes. Invoices can be sent on a recurring schedule and clients can be placed on a subscription paying by card or bank transfer. Contracts can be built from a template library or uploaded, then sent for eSignature.
Does it replace accounting software?+
No. It covers invoicing, payments, and contracts, and syncs with QuickBooks Online for bookkeeping. Accounting, expense tracking, and time tracking are not part of the product.