Handl vs Paymo: Specialist Billing vs Jack of All Trades
Depth vs Breadth
Paymo tries to be the all-in-one platform for freelancers and small agencies — project management, time tracking, resource scheduling, and invoicing in a single tool. It does all of those things decently, though none of them exceptionally. The trade-off of breadth is depth.
Handl takes the opposite approach. It does one thing deeply: billing automation for project-based agencies. Milestone invoicing, AI-driven payment reminders, scope change management, client portals, and integrations with the PM tools you already use. It is not trying to replace your project management — it is the financial layer that sits on top of it.
The question is whether you want one tool that does everything adequately, or specialised tools that each do their job exceptionally.
How they stack up
An honest look at where each tool wins.
| Feature | Handl | Paymo |
|---|---|---|
| Milestone-based billing | ✅ | ❌ |
| Automated payment reminders (AI) | ✅ | ❌ |
| Client portal | ✅ | ❌ |
| Change order management | ✅ | ❌ |
| PM tool integrations | ✅ Jira, Asana, Monday | ❌ (is its own PM) |
| Built-in project management | ❌ | ✅ Kanban + Gantt |
| Time tracking | ⚠️ Via integrations | ✅ Built-in |
| Resource scheduling | ❌ | ✅ |
| Auto-invoicing from time entries | ❌ | ✅ |
| Starting price | $29/mo flat | Free / $9.90/user/mo |
| Per-seat pricing | ❌ Flat rate | ✅ Per user |
See the difference for yourself
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Simple pricing vs. per-seat costs
One flat price for your whole team, or pay more for every person who touches an invoice.
- Starter: basic PM + invoicing
- Small Office: + resource scheduling
- Business: + Gantt + portfolio
- Built-in time tracking
- Task management
- File proofing
What are our strengths?
Both tools do some things really well. Here's where each one shines.
- Milestone billing. Bill based on project deliverables, not just logged hours. Paymo invoicing is time-entry based with no milestone concept.
- AI-driven payment reminders. Automatic, intelligent follow-ups. Paymo has no automated payment chasing at all.
- Client portal. Clients view proposals, invoices, and project status in one place. Paymo has no client-facing portal.
- Change order management. Track and bill for scope changes with client approval. Paymo has no scope management.
- Flat pricing. $29/month regardless of team size. A 10-person team on Paymo Business pays $239/month.
- PM tool integrations. Works with Jira, Asana, Monday, ClickUp. Paymo wants you to use its own PM instead of integrating with yours.
- Accounting sync. Native Xero and MYOB integration. Paymo has limited accounting connections.
- Revenue forecasting. Pipeline visibility based on milestones and project health. Paymo has no forecasting capability.
- Built-in project management. Kanban boards, Gantt charts, and task dependencies without needing a separate PM tool.
- Native time tracking. Automatic timers, manual entry, and timesheet approvals built in. No integration needed.
- Resource scheduling. Visual capacity planning to see who is available and who is overloaded.
- Auto-populated invoices. Time entries flow directly into invoice line items. Less manual data entry for hourly billing.
- Lower entry price. Free plan available. Paid plans start at $9.90/user/month — cheaper for solo users than Handl.
- All-in-one simplicity. One login, one platform for PM, tracking, and invoicing. Less tool switching and fewer subscriptions to manage.
- Gantt charts. Visual project timeline with task dependencies. Useful for planning-heavy agencies.
- 40% annual discount. Significant savings on annual billing. Makes the per-user cost more manageable for small teams.
When to choose each tool
Choose the right tool based on how your agency bills and what problems you're solving.
When to choose
Handl
Choose Handl if you already have a PM tool you like and you need a billing layer that connects to it rather than replacing it. If you use Jira, Asana, Monday, or ClickUp, Handl integrates with your existing workflow instead of asking you to switch.
Handl also makes more sense if your billing is milestone-based rather than hourly. If you send proposals, break projects into phases, and bill when deliverables are complete — Paymo simply does not support that model. And if chasing late payments is eating your time, Handl's AI reminders solve a problem Paymo does not even attempt to address.
For teams larger than 3 people, Handl's flat $29/month pricing is significantly cheaper than Paymo's per-user model. A 5-person team on Paymo Small Office pays $79.50/month. On Handl, it is still $29.
When to choose
Paymo
Paymo is the right choice if you do not have a PM tool yet and want everything in one place. If you are a small team starting from scratch and you need task management, time tracking, and invoicing without the complexity of stitching together multiple tools, Paymo delivers that in a clean package.
It is also the better fit if you bill purely by the hour. Paymo's time-to-invoice pipeline is genuinely useful when every billable hour needs to be captured and invoiced accurately. If timesheets are your source of truth for billing, Paymo handles that workflow well.
And if budget is the primary constraint, Paymo's free plan and low per-user starting price make it accessible for solo freelancers and very small teams. At $9.90/user/month on Starter, it is hard to argue with the value for what you get — provided your team stays small.
Frequently asked questions
Can I use Handl and Paymo together?
There is no direct integration between them. If you use Paymo for PM, you would use Handl separately for billing. Most agencies find it cleaner to use a dedicated PM tool (Jira, Asana, Monday) that integrates directly with Handl.
Does Handl have time tracking?
Handl integrates with time tracking tools like Harvest, Hubstaff, and Toggl rather than building it in. This lets you keep your existing time tracker.
Is Paymo good for agencies?
Paymo works for small agencies (2-5 people) who want one tool for everything. Larger agencies typically outgrow it and need specialised tools for PM, billing, and accounting.
Does Paymo have milestone billing?
No. Paymo invoicing is based on time entries and manual line items. There is no way to tie an invoice to a project deliverable or phase.
Which is cheaper for a team of 10?
Handl at $29/month flat. Paymo Business at $23.90/user would be $239/month for 10 users — over 8x more expensive.
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