Holdings is an invoicing platform built for small businesses, freelancers, and operators who want to simplify getting paid. Its standout approach lets users connect an AI assistant such as ChatGPT, Claude, or Cursor and manage invoicing through natural-language instructions. A web app is also available for users preferring traditional controls. 

Smart tools for getting paid 

Holdings supports quotes, invoices, recurring invoices, payment links, QR codes, and automatic overdue reminders. Quotes can become invoices with one click, while customers can pay through available options. This platform also keeps invoice activity connected with bookkeeping when the accounting add-on is enabled, reducing manual reconciliation and keeping records organized. 

One appealing feature is approval-based AI automation: users can ask their connected assistant to draft, send, or follow up on invoices, but every send requires approval. The platform offers unlimited invoicing without a monthly fee, although card payment processing costs 3% plus $0.30 per transaction. ACH payments are currently forthcoming. 

A promising invoicing solution 

Overall, Holdings offers a compelling alternative to traditional invoicing software by combining billing, payment collection, and AI-driven workflows. Its free invoicing, recurring billing, payment links, QR codes, and optional accounting integration make it useful for businesses seeking fewer administrative steps. Limitations include transaction fees and payment-method restrictions for some businesses.