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The video tutorial provides a disclaimer that it is not sponsored and does not contain affiliate links; the software recommendations are based on personal experience and feedback from peers in freelancing and creative businesses. The creator shares their experience starting a calligraphy business in 2018, highlighting financial transactions for custom commissions. They recommend using invoicing software like Wave, Stripe, and PayPal, which do not charge subscription fees but have a standard transaction fee of 2.9% plus 30 cents. The creator emphasizes that this fee structure should not deter entrepreneurs from accepting credit card payments.