Disclosure: This page is written by TaskDrop. We've done our best to represent mNudge's features and pricing accurately based on their public website (mnudge.com) as of May 2026. Competitor details may change — verify at mnudge.com before making a decision.
The Short Version
Better if you want lower fees and card payments
Free forever. TaskDrop Pay is free — bank details on every invoice, customers pay direct. We earn £80/quarter for MTD submissions. No monthly subscription.ion. Card payments your customers already know how to use. CIS invoices, HMRC reminders, letter before action, and annual tax summary — all included free. ICO registered.
Better if you want Open Banking payments
Free tier at 2.9% per payment via Open Banking (bank-to-bank transfer). Pro tier at 1.5% + £29.99/month. Voice note invoicing, auto-chase in 3 stages, branded PDFs. Operated by Ant vs Bear Ltd. Uses TrueLayer for payments — not Stripe card processing.
Side-by-Side Comparison
| Feature | TaskDrop | mNudge |
|---|---|---|
| Monthly cost | £0/month — forever | £0 free tier / £29.99 Pro |
| Payment fee (free tier) | Free — bank transfer to you | 2.9% (Open Banking via TrueLayer) |
| Payment fee (paid tier) | Free — bank transfer to you | 1.5% + £29.99/month |
| Payment method | Card — Visa, Mastercard, Amex | Open Banking (bank-to-bank) |
| App to download? | No — just WhatsApp | No — just WhatsApp |
| Voice note invoicing | ✓ All plans | ✓ All plans |
| Auto payment chasing | ✓ 7, 14, 21 day reminders | ✓ 3 stages (free) / 5 stages (Pro) |
| CIS invoices | ✓ All plans — automatic deduction | ✗ Not mentioned |
| VAT invoices | ✓ All plans | ✓ All plans |
| HMRC deadline reminders | ✓ Included free | ✗ Not mentioned |
| Annual tax summary | ✓ Included free | ✗ Not mentioned |
| Letter Before Action | ✓ Included free | ✗ Not mentioned |
| Photo invoicing | ✓ Snap job sheet, AI extracts details | ✗ Not available |
| Facebook & Instagram leads | ✓ Messenger, Instagram DMs, Lead Ads → WhatsApp | ✗ Not available |
| Direct bank transfer | ✓ Free — bank details on every invoice | ✗ Not available |
| Bank details on invoice PDF | ✓ Sort code & account printed automatically | ✗ Not applicable |
| Expense tracking | ✓ All plans | ✗ Not mentioned |
| Dashboard | ✓ Browser dashboard included | ✗ Not mentioned |
| ICO registered (UK GDPR) | ✓ ZC122710 | ✗ Not found on public register |
| Company structure | UK sole trader | Ant vs Bear Ltd (registered company) |
Based on publicly available information from mnudge.com and taskdrop.co.uk, May 2026.
The Key Difference — Card vs Open Banking
This is the most important practical difference between the two products.
mNudge uses Open Banking — powered by TrueLayer, authorised by the FCA. When a customer pays via their banking app on an mNudge invoice, they're redirected to their banking app, asked to authenticate, and the payment is sent bank-to-bank.
TaskDrop Pay displays your bank details on every invoice — sort code, account number, bank name, and reference. Your customer opens the invoice link, sees your details, and pays via their banking app. No additional app, no redirect, no authentication flow — they just pay you directly. The difference from mNudge is fee structure: mNudge charges 2.9% (free tier) or 1.5% + £29.99/month (Pro). TaskDrop Pay is free.
The fee difference is significant. mNudge charges 2.9% on every payment (free tier). TaskDrop Pay is free — bank details on every invoice, customers pay direct. Over a year, a tradesperson processing £3,000/month in payments would pay £1,044 in fees with mNudge's free tier — and nothing with TaskDrop.
mNudge charges ongoing payment processing fees. TaskDrop Pay is free. That's £360/year in subscription fees before you count the per-payment charge. TaskDrop Pay is completely free — no percentage fee at all, no subscription. For any volume level, TaskDrop is cheaper.
Pricing — The Honest Numbers
mNudge free tier: 2.9% per payment, unlimited invoices, 3-stage auto-chase. No monthly fee.
mNudge Pro: 1.5% per payment + £29.99/month. 5-stage auto-chase, configurable reminders.
TaskDrop: Free forever. TaskDrop Pay is free — bank details on every invoice, customers pay direct. MTD submissions £80/quarter. No tiers, no subscription, no auto-charges. Every feature is included — CIS, HMRC reminders, letter before action, annual tax summary, expense tracking, dashboard.
The only scenario where mNudge could be cheaper is if Open Banking's lower underlying processing cost (TrueLayer typically charges platforms less than Stripe's card processing fees) was fully passed on. It isn't — mNudge charges 2.9% on the free tier, which is more expensive than card processing. On the Pro tier, you pay 1.5% + £29.99/month, which only beats TaskDrop if your card payment volume is very high.
A Note on Compliance
mNudge handles personal data — customer names, addresses, phone numbers, job details — on behalf of UK tradespeople. Under UK GDPR, organisations that process personal data are required to register with the ICO (Information Commissioner's Office) unless exempt. As of May 2026, mNudge (operated by Ant vs Bear Ltd) does not appear on the ICO's public register.
TaskDrop is ICO registered: ZC122710. This is displayed on every page of the site and in our terms.
Which One Should You Choose?
Choose TaskDrop if:
- You want card payments your customers already know how to use
- You want the lowest payment fee — 1% vs mNudge's 2.9% free tier
- You do CIS work (mNudge doesn't mention CIS support)
- You want HMRC deadline reminders, expense tracking, and a dashboard included free
- You want an ICO registered, GDPR compliant tool
- You don't want a subscription or per-month commitment
Consider mNudge if:
- Your customers specifically prefer bank-to-bank Open Banking transfers
- You want 5-stage configurable auto-chase reminders and are happy paying £29.99/month for them
Free forever. TaskDrop Pay via GoCardless. MTD £80/quarter. No subscription.
Start free, forever