TTO vs Rock Paper Coin: Wedding Planner Tools Compared [2026]

Two Different Tools for Two Different Jobs

Rock Paper Coin (rockpapercoin.com) and TTO (thatstheone.com) have one important thing in common: they were both built specifically for the wedding and event industry. That makes them unusual in a market dominated by generic freelancer CRMs (HoneyBook, Dubsado) that were never designed with weddings in mind.

But the similarity ends there. Rock Paper Coin’s core mission is getting wedding professionals paid quickly and reliably. TTO’s core mission is managing the logistics of delivering an exceptional wedding. They sit on opposite ends of the wedding business workflow.

The real comparison, then, is less "TTO vs Rock Paper Coin" and more: what does a wedding planner actually need from their payment tool, and which platform delivers it better?

What Rock Paper Coin Does Well

Wedding-industry focus. Rock Paper Coin was built for wedding vendors — not adapted from a generic tool. Its invoice and proposal templates reflect wedding-specific workflows. The vendor ecosystem it serves (planners, photographers, florists, DJs, caterers, venues) means the platform understands wedding payment timelines, multi-vendor structures, and the way deposits and balances work in this industry.

Simple, reliable invoicing. The Basic (free) plan includes unlimited invoices, secure payment processing via Stripe, 1–2 day payouts, client-enabled autopay, automated payment reminders, and branded emails. For planners who just want to send clean invoices and get paid, Rock Paper Coin’s free tier is genuinely useful.

2.5% flat processing fee. On the Professional and Premium plans, Rock Paper Coin charges a flat 2.5% processing fee — no separate card vs. ACH distinction, no platform surcharge on top. For high-value transactions (like a $10,000 venue deposit), a flat 2.5% is more predictable than variable card + ACH rate structures.

No monthly fees on Basic. Wedding planners who primarily need invoicing and payment processing — without proposals or contracts — can use the Basic tier indefinitely at no monthly cost.

30-day free trial of Professional. Every new user gets a full month to try the Professional features (custom proposals, digital contracts with eSignature, team collaboration, unlimited team members) before committing.

Where Rock Paper Coin Falls Short

Limited planning features. Rock Paper Coin is a billing tool, not a planning platform. No guest management, no seating charts, no event-day timelines, no dietary tracking, no vendor CRM, no budget tracking, no wedding websites. A planner using Rock Paper Coin as their primary software still needs an entirely separate system for actual wedding planning.

Lead management is Premium-only. The lead capture form, lead tracking dashboard, lead notes, and lead-to-client conversion reporting are only available on the Premium tier ($41/month or $32.92/month billed annually). At lower tiers, you’re invoicing only — no CRM pipeline.

No automations or questionnaires. Rock Paper Coin doesn’t have workflow automation, client questionnaires, or appointment scheduling. It’s a focused payments platform, which is a strength for simplicity but a limitation for planners who want those features.

2.5% processing fee is higher than alternatives. While Rock Paper Coin’s 2.5% flat fee is simple and transparent, it’s higher than what planners can achieve with Maroo’s ACH payment option (1%, capped at $25). For planners processing large transactions via bank transfer — which is standard in the wedding industry — Maroo’s ACH rates save meaningful money.

Payment volume limits. Rock Paper Coin caps daily processing at $10,000 and monthly processing at $100,000 on standard plans. High-volume planners or those collecting large single payments (full event contracts, hotel room blocks) can encounter friction at these limits.

TTO: Planning Where Rock Paper Coin Leaves Off

TTO handles the side of wedding planning that Rock Paper Coin doesn’t touch: the logistics.

Guest management — Complete guestlist management with RSVP collection, dietary tracking (beef, fish, vegetarian, and custom options), and guest accommodation management with discounted hotel rates. Every guest is tracked from invitation to seating assignment.

Hotel search by city — The hotel-search dialog includes a 'Search this city' option: search hotels by city, see live rates and availability, and curate a shortlist for guests. TTO does not negotiate hotel room-block contracts or manage attrition — this is guest-facing hotel discovery.

Floor & seating plans — TTO’s to-scale floor plan builder syncs directly with your RSVP data. Drag and drop guests into seats. Clients can rearrange guests themselves, in the same collaborative workspace. Export a comprehensive catering report directly from the seating plan — the workflow that saves hours on every event.

Faster seating and high-res exports — An unassigned-guest tray makes guest assignment faster, and individual seats can be deleted where a layout needs it. When the plan is final, export it as a single PNG at 1x, 2x, or 3x resolution for print-ready sharing with venues and caterers.

Event-day timelines — Build detailed timelines accessible to your entire team: assistants, coordinators, vendors. No separate app or shared Google Doc needed.

AI-assisted imports and bulk shifting — Upload an existing timeline or to-do file and AI-assisted import turns it into structured, editable items — no retyping. If the ceremony time moves, bulk time shifting updates the whole schedule or just the items you select, and TBD placeholders are available for times you haven’t locked yet.

Budget & payment tracking — TTO tracks your event budget and vendor payment schedule. It doesn’t process payments, but it shows you exactly where money is going and whether payments are on schedule.

Vendor CRM — Manage all your vendor relationships in TTO and share vendor contact information with clients directly through the platform.

Zoom recaps in Notes — Connect Zoom and your meeting and call recaps land in TTO Notes. Move each recap to the relevant event so discussion points become actions. Recaps never create tasks or timeline items automatically — you decide what becomes a to-do.

Wedding websites & e-cards — Create client-facing wedding websites with RSVP collection, included in TTO’s £45/month subscription.

Unlimited collaborators, free for clients — Every person you add to TTO — clients, assistants, vendor contacts — uses TTO at no additional charge.

See it for yourself — start a 30 day free trial or book a demo.

The Maroo Alternative for Payments

For payment processing, we recommend pairing TTO with Maroo (maroo.us) instead of Rock Paper Coin. Here’s why:

Lower ACH processing fees. Maroo charges 1% on ACH bank transfers (capped at $25), compared to Rock Paper Coin’s flat 2.5%. On a $15,000 contract collected via ACH, that’s $25 (Maroo cap) vs. $375 (Rock Paper Coin 2.5%). For wedding planners collecting large payments from clients via bank transfer, this difference compounds significantly across an entire season.

Free Starter plan with real functionality. Maroo’s free Starter plan includes lead capture, proposals, contracts, invoicing, payment processing, and up to 3 contractor payouts per month. Rock Paper Coin’s Basic (free) tier covers invoicing and payments only — no proposals or contracts.

Contractor payments and 1099 filing. Maroo lets you pay contractors via free ACH transfers and handles 1099-NEC preparation, e-filing, and mailing — all within the platform. Rock Paper Coin doesn’t offer contractor payment management or tax document filing.

Wedding-industry focus with full CRM. Maroo was built specifically for wedding and event businesses and handles the full lead-to-payment workflow: lead capture forms, proposals, contracts, invoices, payments, and contractor payments. Rock Paper Coin covers the back half of this workflow (contracts through payments); Maroo covers all of it.

Maroo pricing vs. Rock Paper Coin:

For planners primarily paying vendors via ACH, Maroo’s capped ACH fee makes it significantly cheaper than Rock Paper Coin’s flat 2.5% at scale. For planners who primarily process via card, the rate difference is smaller — Rock Paper Coin’s 2.5% flat vs. Maroo’s 3.4–3.5% card rate means Rock Paper Coin is cheaper for card transactions specifically.

Full Feature Comparison

When Rock Paper Coin Makes Sense

Rock Paper Coin is a solid choice for wedding vendors who:

• Already have planning tools elsewhere and just need a reliable billing platform

• Process mostly via card and want the simplicity of a 2.5% flat rate

• Need quick implementation — Rock Paper Coin’s setup is straightforward and fast

• Are photographers, florists, or DJs who don’t need the planning features TTO provides

For wedding planners specifically — who manage the full event from guest list to catering report — Rock Paper Coin’s payment capabilities need to be paired with a planning platform anyway. In that case, TTO + Maroo provides a more integrated and cost-effective combination.

The Complete Wedding Planner Tech Stack

Here’s the stack we recommend for full-service wedding planners:

This stack covers every dimension of a wedding planning business — from the first client inquiry to the catering export on wedding day — with purpose-built tools in each lane.

Frequently Asked Questions

Is Rock Paper Coin free?

Rock Paper Coin’s Basic plan is genuinely free — unlimited invoices, payment processing, autopay, and reminders with no monthly fee. The 2.5% processing fee applies to all transactions. Professional ($33/month annual) and Premium ($41/month) add proposals, contracts, team management, and lead tracking.

How does Rock Paper Coin’s 2.5% compare to other payment processors?

For card payments, 2.5% is competitive — Stripe charges 2.9% + $0.30, which is higher on mid-size transactions. For ACH bank transfers, 2.5% is significantly more expensive than alternatives like Maroo (1%, capped at $25) or Stripe (0.8%, capped at $5). Wedding planners processing large balances via ACH can save substantially by switching to Maroo.

Does TTO process payments?

No. TTO tracks your payment schedule and budget, but doesn’t send invoices or process transactions. For payments, pair TTO with Maroo. This combination gives you better processing rates, a true free tier, contractor payment management, and 1099 filing.

Can I use Rock Paper Coin and TTO together?

Yes — some planners use Rock Paper Coin for invoicing and TTO for planning. If you’re already using Rock Paper Coin and are satisfied with the payment experience, adding TTO for planning is a natural complement. That said, Maroo covers everything Rock Paper Coin does and more, so most planners eventually migrate to the TTO + Maroo combination.

Does Rock Paper Coin have daily or monthly processing limits?

Yes. Rock Paper Coin caps daily processing at $10,000 and monthly processing at $100,000. For wedding planners collecting large single payments or managing multiple high-value clients in a single month, these limits can become a constraint. Maroo doesn’t publicize comparable limits and can accommodate higher processing volumes on Business and Pro plans.

For more comparisons, see: Best HoneyBook Alternatives for Wedding Planners | TTO vs HoneyBook

Try your 30 day free trial here or book a demo.

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