Every document sealed by an outside timestamp authorityBuilt to ESIGN & UETAKept 7 yearsVerify any document without an account
PactermsAgreements and invoices that hold up
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Built for ESIGN Act Compliance

You did the work. Now make sure you get paid.

No legal team. No retainer. Just clear agreements your client confirms by text, with an independently timestamped record that both of you keep.

Start freeSee pricing
Free to start
No credit card required
No app for them
Your client just replies to a text
Proof from day one
Sealed and independently timestamped
9:41▲ ▮▮
PactermsSMS · +1 (833) 555-0142
Maya Okafor has sent you an agreement: website build, $1,800, net 14 days. Review and confirm: pacterms.com/a/0148
Today 15:21
Proof infrastructure
DigiCert TSAFreeTSA fallbackSHA-256RFC 3161StripeTelnyx SMSToll-free SMS verified
30s
To draft and send an agreement
$1.99
Per agreement, no subscription
7 yrs
Documents and seals retained
2
Languages, in the documents not just the app

Real protection, you can prove.

Trust & Verification

Every document is checked against real state law and sealed with independent, verifiable proof, so it holds up when it matters.

Checked against your state’s law.

Late fees, notice periods, and dispute rules vary by state. Every clause goes through independent research, verification against the statute text itself, adversarial fact-checking, and a licensed attorney’s review before it ever reaches your document.

Sealed the moment it’s created.

Every invoice and agreement gets a unique digital fingerprint, timestamped by an independent outside authority, not us. Anyone can verify it later, no account required.

Who’s behind this

Built by someone who has lived this.

Pacterms exists because my own father, a freelancer, went unpaid again and again, with no real agreement in place and no way to enforce one. Before Pacterms I went from day-laborer wages to a Senior DevOps engineering career, teaching myself every step of the way. I built Pacterms the same way: directing every part of the system personally, and holding every state-specific legal claim back until a licensed attorney has checked it.

Founder

See it happen

The whole loop, three screens

You send the terms. Your client texts back two words. Anyone in the world can check the result afterwards, without an account and without taking our word for it.

Step 2The agreement, sealed on confirmation
Agreement of Engagement
Executed 18 Aug 2026 · Texas
No. 0148
Copy 1 of 2
Contract sum
$1,800.00
Due
Net 14 days
Freelancer
Maya Okafor
Client
Alex Rivera
Trail of evidence
15:21:44Terms sent by SMS, direct linkLogged
15:22:07“I AGREE” received, IP 203.0.113.42Witnessed
15:22:08SHA-256 hash recordedFixed
15:22:09RFC 3161 timestamp returnedSealed
15:22:09Public verification page issuedOpen
Maya Okafor
Freelancer
SEALED18·08·26
Alex Rivera
Client
Step 3Anyone can verify it, forever
pacterms.com/verify/AGR-0148
Document verification
No account required
Unaltered
DocumentAGR-0148 · Evidence Pack
Published hash (SHA-256)8f3a9c2e1b7d4f6a…3e2d1c0b9a8e
Your computed hash8f3a9c2e1b7d4f6a…3e2d1c0b9a8e
Timestamp authorityDigiCert · RFC 3161
Sealed at18 Aug 2026 15:22:09 UTC
✓Fingerprint matches and the timestamp is valid. This document has not changed since it was sealed.
Download timestamp tokenCheck it yourself

The fingerprint, never the document, goes to the timestamp authority. What comes back is proof the file existed at that moment, signed by a third party with no stake in either side of the deal.

How the proof actually works.

Under the Hood

Here’s exactly what happens the moment a document is sealed. No black box, just math and an outside witness.

1

Fingerprinted (SHA-256)

The instant an invoice, agreement, or Evidence Pack is generated, we hash the exact file into a unique 64-character fingerprint. Change one character in the document and the fingerprint changes completely.

2

Independently timestamped (RFC 3161)

That fingerprint, never the document itself, is sent to an outside Timestamp Authority under the RFC 3161 standard. It signs and returns proof of the exact moment. If the request ever fails, we automatically retry overnight until it’s confirmed.

3

Verifiable by anyone, forever

Every sealed document gets its own public verification page. No login required. Anyone can confirm the fingerprint and timestamp independently of Pacterms, using the same open standard.

SHA-256 HashingRFC 3161 TimestampPublic Verification
The Evidence Loop

Proof builds automatically, while you work.

From the moment your client confirms, every step gets time-stamped automatically: the locked terms, the logged hours, the photos, the invoice. If they ever deny what was agreed, you already have the file.

Locked on ConfirmationBuilds Automatically
Evidence logBuilding…
Both parties confirmed, terms locked
Milestone Approval

They approve the work. In writing. Before you invoice.

Every milestone gets an explicit sign-off from your client before payment is due. If they later claim the work wasn’t up to standard, at payment time or in court, the record already says otherwise.

Approved by Client

Built for the modern hustle.

Not just invoicing: a system that protects you before, during, and after the job.

No more “I never agreed to that.”

Digital signatures tied to verified phone numbers and timestamps create an unbreakable proof trail.

Half down, half on completion.

Standardize your milestone payments. We automatically calculate and request deposits to keep cash flowing.

Automated payment reminders.

We do the awkward chasing. Automated SMS nudges until the invoice is marked as paid.

Built in Spanish.

Professional legal translations built into every step. Close deals with clients in their preferred language.

Escalation Protocol

When they stop answering, we don’t.

Get automated evidence packs and professionally drafted demand notices to help you recover lost funds without the lawyer fees.

Evidence PacksDemand Notices
Escalation logEscalating…
Notice 2 of 3 queued

Every feature, explained.

The idea behind each feature, in a few seconds.

30-Second Agreements

Type it, we draft it, they confirm by text.

Type your termsAI drafts itClient confirms by text ✓
Live
30-Second Agreements
Type your terms

1 / 14

See every feature in detail

Protection in 4 simple steps

It takes longer to make a coffee
Step
What happens
Detail
Who
Status
1Draft TermsUse our templates or paste your own. Signatures follow the ESIGN Act.YouDrafted
2Send via SMSClient gets a direct link. No login or app required for them.ClientSent
3Text ConfirmationA simple “I AGREE” response is captured, timestamped and sealed.BothConfirmed
4Get PaidInvoice is generated. Funds arrive. Documentation stays for 7 years.YouPaid
If they go quietPro sends the formal demand notices for you and compiles the Evidence Pack behind them. Draft small-claims letters are available for Texas today; other states are in legal review.

Choose your armor.

Like Wave for invoicing, but with contracts. Up to 65% cheaper than Bonsai.
FREE
$0
forever
✓Basic invoice generation✓SMS confirmations—Demand notices
Get Started
INVOICE MONTHLY
$7.99/month
Invoicing without agreements
✓Unlimited invoices with your branding✓Remove Pacterms branding✓Your logo & business name—Agreements & tracking
Get Invoice Monthly
PRO
MOST POPULAR
$19.99/month
MOST POPULAR
✓Unlimited agreements✓Smart payment reminders✓Demand notice escalation✓Spanish/English templates
Protect Me Now
FLEX
$1.99/agreement
$0.50 per custom-branded invoice
Pay as you go, no monthly commitment
✓Full escalation access✓SMS included✓No monthly commitment
Go Flex

What freelancers are saying

Real feedback from the IndieHackers community.

“Twenty years running a services company taught me collections are won at the proposal stage, not the courtroom. Deposits up front and milestone billing killed 90% of our non-payment problems before they existed.”

Services business owner, 20 years experience

“I burned out on freelance work chasing down deadbeats; it wasn't worth the effort. If I were still doing freelance work, I'd sign up in a heartbeat.”

Former freelancer
Reserved for the first customer quote

Nothing goes here until a real customer says it.

Included with Business

Managing a crew? Add the Office Suite.

Add workers to a project, track hours with a start/stop/break timer, and keep dated before/after photos, all in one place.

  • Add up to 5 workers to a project
  • Start/stop/break time tracking
  • Before & after photo records
$49/month

Part of the Business plan

Up to 5 team members
Open Office Suite
Coming Soon

Chain Non-Payment Support

"I can't pay you yet. My client hasn't paid me."

If you work under a contractor, you have no way to check whether that is true.

We are building the link: connect your agreement to the client job it belongs to, and the excuse becomes something you can see rather than something you are told.

Your own payment and escalation clock keeps running either way; linking never puts your protections on hold.

It will not make a client's money arrive faster. It will show you whether the delay is real, and get formal action moving sooner when it is not.

Reviewed by licensed legal counsel before anything goes live. One exception today: draft court complaints are generated from researched sources that have not yet been through that review — every one is marked DRAFT, is never filed for you, and states that Pacterms is not a law firm.

Building for platforms too.

A public API is on our roadmap, so platforms, staffing tools, and CRMs can generate Pacterms agreements natively.

Your livelihood isn’t a gamble.
Document it.

Free to start. No credit card required.
Protect Your Work
Pacterms

Signatures built to the ESIGN Act and UETA. Operated by ThyVoxa LLC.

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