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There's no monthly fee and no subscription — you sign up without a card. Building an estimate by hand, sending it, and managing your jobs is free, with no limit. The AI estimate — the one that turns your words into a priced estimate — costs 0.10 credits per estimate, and 1 credit = $1. You get 15 welcome credits when you sign up, and you can earn more by using the app: recording your expenses and payments, or sharing estimates you build by hand.

When your client pays you through Cotiza, the platform keeps a small 2% fee on that payment — only when you actually collect. There's no fee if you record a payment you got by cash, Zelle, or check. And you're never charged a monthly subscription.

No. Your client pays the price of the work — there's no extra charge added for paying online. The processing fee comes out on your side, not theirs.

No. Each AI-generated estimate costs 0.10 credits — about a dime, and 1 credit = $1. The AI used to be included at no charge while the beta was starting, and we promised to tell you honestly if that ever changed — this is that notice. Credits come from three places: the 15 welcome credits when you sign up, the credits you earn by recording expenses and payments or sharing hand-made estimates, and top-ups whenever you want. Estimates you build by hand stay free, always.

You send a link. Your client opens it, sees the itemized estimate or invoice in English and Spanish, and pays by card or bank transfer (ACH). The money goes to you — Cotiza only processes the payment on your behalf.

ACH is cheaper and much less likely to get disputed than a card. Your client can still choose card if they prefer — we just point them to the safer option first.

No. Online payment is a convenience for clients who don't have cash or Zelle. You can keep charging however you like and just record the payment in the app — that keeps your history complete.

If a client disputes a card payment with their bank, Cotiza already has your evidence compiled for that job — signed work terms, before/after photos, clock-in/out with GPS, and the invoice. You review it in the app and appeal with one tap; we submit it to the bank on your behalf before the deadline.

No — you never deal with the bank yourself, and you never leave the app. The steps that work best: (1) talk to your client first, since they're the only one who can withdraw the dispute with their bank; (2) always respond before the deadline — not responding means an automatic loss; (3) if the claim is fair, accept it. We submit your evidence to the bank; the bank decides, usually in about 2–3 months. If you win, you get the full amount and the dispute fee back.

The client's bank — not Cotiza and not us. We present your strongest defense with the evidence the app collected, but we can't promise an outcome. That's exactly why signed terms, photos, and clock-in matter: they're the evidence banks respect.

No — an ACH return is final and can't be appealed. Your protection with ACH is preventive: the work terms your client signs before you start. That's why we recommend getting terms signed on every job.

The app suggests prices based on real rates in your area, but the AI proposes and you decide — you always have the final word. If a price looks off for your market, the app flags that line so you can review it before sending. Nothing goes out with your name on it until you approve it.

No. You can also build an estimate by hand, without AI, for jobs you know by heart. The voice route is there when you want it, not required.

During the beta, with your permission, we keep your recordings and estimates to improve the quality of the AI. You're told exactly this when you accept the terms — no surprises.

The beta has a limited number of seats. Leave your info and we'll email you the moment a spot opens up — no spam, just your invitation.

Both, equally. You can speak or type in English, Spanish, or a mix — and every estimate and invoice comes out professionally in both languages, side by side.