Chaz vs Venmo, Zelle & Cash App

Paid by Venmo, Zelle or Cash App? Here's what you're missing.

Payment apps are cheap and your customers already have them. But they can't send an invoice, remember which job a payment was for, or put your business in front of new customers.

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Invoices, not “who sent this?”

Chaz sends a pay-by-link invoice by text or email for each job. The customer pays by card, with no app or login needed, and the payment lands on the right job.

Your customer pays by credit card, safely

Zelle can't take a credit card, and a credit card payment on Venmo or Cash App costs your customer 3% and can count as a cash advance. With Chaz it's a normal card purchase, and you can keep the card on file and charge it when the job is done.

More than a payment

Chaz is also your website, your schedule and your customer chat, in English or Spanish, for $0 a month.

Chaz and Venmo, Zelle & Cash App, side by side

What you pay, what's included, and who it's built for.

  • Monthly price

    Chaz
    Yes$0. No subscription. Your customer pays a flat $1.75 per payment.
    Venmo, Zelle & Cash App
    Yes$0/month.

  • Card processing

    Chaz
    Standard Stripe card rates, taken from each payout. No platform fee on top.
    Venmo, Zelle & Cash App
    Venmo business profile 1.9% + 10¢. Cash App for Business 2.75%. Zelle is free, with limits set by your bank.

  • Customers paying by credit card

    Chaz
    YesYes. It's a normal card purchase at standard Stripe rates.
    Venmo, Zelle & Cash App
    PartlyZelle doesn't take credit cards. Venmo and Cash App add a 3% fee to personal payments by credit card, and the card company may count it as a cash advance, with its own fee and interest from day one.

  • Card on file

    Chaz
    YesSave a customer's card and charge it when the job is done. No chasing payments.
    Venmo, Zelle & Cash App
    NoNo. Your customer has to send every payment themselves.

  • Made for business payments

    Chaz
    YesYes. Payouts go to your business's Stripe account.
    Venmo, Zelle & Cash App
    PartlyCash App personal accounts aren't for business. Not every bank offers Zelle on business accounts, and Zelle has no purchase protection.

  • Invoices & pay-by-link

    Chaz
    YesPay-by-link invoices by text or email. No customer login.
    Venmo, Zelle & Cash App
    NoNo invoice tied to the job.

  • Payments tied to jobs

    Chaz
    YesEvery payment is linked to its job and customer.
    Venmo, Zelle & Cash App
    NoPayments aren't linked to a job or a customer record.

  • Scheduling

    Chaz
    YesList and calendar views, plus recurring services.
    Venmo, Zelle & Cash App
    NoNone.

  • Website

    Chaz
    YesIncluded, with a custom domain and AI editing.
    Venmo, Zelle & Cash App
    NoNone.

When Venmo, Zelle & Cash App is the better pick

Chaz isn't for everyone. If one of these sounds like your business, stay where you are.

  • You do a few jobs a month, mostly for friends and family.
  • Your customers would rather not pay a $1.75 service fee.
  • You never need an invoice, a receipt or a record of which job a payment was for.

Common questions

Is Chaz really free for my business?

Yes. There's no subscription, no contract, no setup fee and no per-user fee, and Chaz doesn't take a cut of your jobs. Stripe's standard card processing applies to the payments you collect, as it does with any app that takes cards.

What does my customer pay?

A flat $1.75 service fee per payment, shown at checkout before they pay. That fee is how Chaz makes money.

Who handles the card payments?

Stripe. You connect your own Stripe account, payouts go to your bank, and Stripe's standard rates apply. Haven't set up Stripe yet? Chaz Collect holds your customers' payments for you and sends them to your bank once Stripe verifies you.

How current is this comparison?

We read every competitor's prices off its public website on the date shown below and link to each source. Prices change, so check their site before you decide. If something here is wrong, write to support@chazcanhelp.com and we'll fix it.

Where these numbers come from

Competitor prices and features were checked on October 5, 2026, on each company's public website.

Jobber, Housecall Pro, ServiceTitan, Square, Venmo, Zelle and Cash App are trademarks of their respective owners. Chaz isn't affiliated with or endorsed by any of them.

Compare Chaz side by side

Try Chaz free

Build your site, book the job and get paid by link, in English or Spanish. No subscription, no contract.

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