Two ways in.
One finished book.

Bring your own outline, or start with nothing more than a genre you love. Payperback Writer plans with you, then drafts every chapter, tests it on a reader, edits it twice and gives the whole book a fresh read, before handing you a formatted manuscript and ebook.

I have my blueprint

You already have an outline, and maybe a writing guide, character notes or a series bible.

  1. Add your outline
  2. Pick a test reader and a book style
  3. Click Start
How it works with your plan

Guide me from an idea

Pick what you love to read, and build the whole plan together, one choice at a time.

  1. Choose genres, tropes and setting
  2. Pick a story idea and name your cast
  3. Shape your outline
How the guided path works
Then the same writing team takes overA test reader, an author and two editors on every chapter, and a fresh reader for the whole book at the end.
Your finished book: a Word manuscript and an EPUB

Already have a plan? Start writing in minutes.

If you know your story, Payperback Writer follows it. Your outline is the rulebook: the author writes to it, the editors check against it, and reader feedback only changes what your plan allows.

  • Only an outline is required. A writing guide, character notes and a series bible are optional, and followed closely whenever you add them.
  • Your voice, your rules. Add style notes or editing rules, and every step follows them.
  • Pick up where you left off. Bring a book you've already started, and it continues from your last chapter.
  • Whole series. Earlier books become canon, and the test reader reviews like a fan who's read them all.

Only have an idea? Plan it together, step by step.

The Blueprint Assistant turns a few choices into a complete plan, and you approve every step.

  1. Choose your storyGenres, subgenres and tropes (including what's trending right now), setting, point of view, tense and length.
  2. Pick an ideaFour short story pitches. Choose one, ask for more, or start from your own premise.
  3. Name your castA full cast with name ideas for each character, checked against everyone you've already written.
  4. Shape the outlineOne line per chapter. Change it just by asking, then expand it. Your writing guide, character guide and series bible are written for you.

What happens after you click Start

Whichever way you came in, every chapter goes through the same careful loop, on its own, while you get on with your day.

Repeats for every chapter
Your plan
outline and notes
Author writes
the next chapter
Two editor passes
fresh eyes each time
Added to the book
Word file updates
Test reader
reviews like a fan
Fresh reader
reads the whole book
Finished book
Word and EPUB
feedback, then the next chapter
after the last chapter

In every book

The care you'd put in by hand, on every chapter, without the copy and paste.

A test reader on every chapter

A reader matched to your genre's real audience reviews each chapter without ever seeing your outline, so their reactions are honest.

Two editing passes

Continuity, characters knowing too much, twists hinted too early and repetition, checked twice with fresh eyes.

A fresh read of the whole bookNew

When the last chapter is done, a brand-new reader reads the entire book cold, and the author revises it from their review.

Planning, built inNew

Build a complete blueprint from an idea, for a single book or a whole series, with a series bible.

Every character, every book

One list of everyone you've written, by author and series, with a checker that catches name clashes before you use them.

Ready to publishNew

Professional book styles, front and back matter, print layout, and an EPUB for the ebook stores.

A clear paper trail

Every edit in one line, every review, and a list of anything it decided without you.

It runs on its own

It retries when a service is busy, pauses cleanly if credit runs out, and picks up exactly where it left off.

Ready to publish the day it's done

Pick a book style in one click, then fine-tune anything. Change the look any time, even after the book is finished, at no AI cost.

  • A Word manuscript every time, plus an EPUB ebook ready for Amazon KDP, Apple Books and Kobo.
  • Front and back matter: title and copyright pages, dedication, epigraph, contents, acknowledgments, an automatic “Also by” page and a newsletter invitation.
  • Print-ready layout: trim sizes, mirrored margins, running headers, and chapters that start on right-hand pages.
  • Finishing touches: drop caps, ornaments and scene breaks to suit your genre.

Keep every character straight, across every book

Writing several series, maybe under more than one author name? Payperback Writer keeps one master list of every character you've ever written, so you never reuse a name by accident.

  • One list for all your books, organized by author and series, with roles, descriptions and where each character first appears.
  • Builds itself. Books written in Payperback Writer are added automatically, and it can read your existing manuscripts too.
  • A character checker flags clashes before you commit to a new name, from a shared surname in the same series to a duplicate by the same author.
  • Export to Excel for one grand spreadsheet you can keep, print or share.
Character checker
Nora Hart · Boardwalk Vampires
Checked against 9 characters in 6 books
Marcus Chen
Strong clash
Already in this series. And in half the AI-written books on the internet.
Langdon Brady
Strong clash
Same last name as Tom Brady in this series
Kara Lin
FYI
Same full name by the author J.K. Stone
Wren Ashby
Clear
No clash
Strong same first or last name, same series Minor same full name, same author FYI same full name, different author

Use the AI you already know

Stick with the model whose writing you already like, or try a cheaper one for drafts. Connect through the AI company's developer account: free to open, pay-as-you-go, and about five minutes to set up with the built-in walkthrough.

Claude ChatGPT Gemini DeepSeek Hundreds more via OpenRouter
On Claude Max, Ultra or Team? Your plan includes monthly API credits that can cover a large share of your writing.
  • Pay the AI company directly, at their prices, with no markup
  • A cost estimate before you start and a running total as it writes
  • An optional spending limit for each book
  • Built-in savings: a Balanced model mix, a reader who remembers, and reduced-price mode
Estimated AI cost per 50,000-word novel
Paid to your AI company. Balanced setting, current prices.
Model Standard Reduced-price
Claude Opus 5.5 (High)$25 to $37$16 to $23
Claude Sonnet 5.5 (High)$12 to $18$7 to $11
GPT-6.1 Sol (Medium)$7 to $11$4 to $7
Gemini 3.8 Flash (Medium)$5 to $8Not offered
DeepSeek V4 Pro$2 to $3Not offered
Estimates only; real costs depend on your book and settings. Longer books cost more per word, since every step re-reads the book so far; a short story often costs under a dollar.

Your book stays yours

  • Runs on your computer. Manuscripts and notes are ordinary files in a folder you choose.
  • No servers in between. Your writing goes only to the AI you pick. Nobody else sees it, including us.
  • Keys kept safe in your computer's own password storage.
  • Stop means stopped. One click, and it confirms when nothing is running.

One plan. Both paths. Unlimited books.

If it saves you a few evenings of copy and paste on a single book, it has paid for itself. The real return is volume: the months that produced one book can produce several, each with the reader feedback and editing passes you'd otherwise skip.

Cancel any time. Your books, manuscripts and notes stay on your computer, and they're yours to keep.

Payperback Writer
$25/ month
Plus your own AI usage, paid directly to your AI company
  • Unlimited books, novellas and series
  • The Blueprint Assistant and bring-your-own-blueprint
  • Test reader, two editor passes and the fresh whole-book read
  • Character list and checker
  • Word and EPUB, with book styles
  • Claude, ChatGPT, Gemini, DeepSeek and more
  • Windows and Mac, with automatic updates
Subscribe for $25/month

Questions authors ask

Do I need an outline?

No. If you have one, add it and start writing. If you don't, the Blueprint Assistant builds one with you from your genre, tropes and a story idea you choose.

Can it plan a whole series?

Yes. Plan every book in the series at once, with a series bible covering the world, its lore and what happens in each book. Each book then appears in your library, ready to write.

How is this different from writing in ChatGPT or Claude myself?

It's the same kind of AI doing the writing, minus the manual work. Payperback Writer runs the planning, drafting, review and editing for every chapter, keeps the whole book in view at every step, and keeps going while you're away.

I pay for ChatGPT Plus or Claude Pro. Can I use that?

Not directly. Those subscriptions cover the chat apps, while Payperback Writer uses the AI company's pay-as-you-go developer account, which is free to open. Claude Max, Ultra and Team include monthly API credits that can pay for much of your writing.

Will it sound like me?

It writes to your writing guide and any style notes you add, so the sharper your guide, the closer it gets. Treat the result as a strong, revised draft, and give it a final pass of your own.

Can I publish books written with it?

Yes, and the EPUB is ready for the ebook stores. Check each store's rules: Amazon KDP, for example, asks you to disclose AI-generated content when you publish.

What if my AI credit runs out mid-book?

Payperback Writer pauses, tells you, and carries on where it left off as soon as you top up.

Can it keep track of characters across my older books?

Yes. Add your finished manuscripts and it reads them, finds the author and series on the title page, and adds their characters to your list. Reading a book this way usually costs well under a dollar.

Questions? Get in touch

Send a message and you'll get a reply by email. Already using Payperback Writer? You can also send a message from inside the app: Settings, then Help & support.

Your next book starts tonight

Bring your plan, or bring an idea. Either way, you finish with a book.

Subscribe for $25/month

Minimum requirements

Works with Claude, ChatGPT, Gemini, DeepSeek and more · Windows and Mac

A Windows PC or a Mac
Windows 10 or 11 (64-bit), or macOS 11 Big Sur or later on Apple silicon or Intel. Earlier macOS versions, such as 10.15 Catalina, aren’t supported.
An AI developer account
With Anthropic (Claude), OpenAI (ChatGPT), Google (Gemini), DeepSeek or OpenRouter, plus some prepaid credit. A Claude or ChatGPT subscription isn’t required.
An internet connection
Needed while writing, to reach your AI, and once at setup to download what the app needs.
About 200 MB of free space
For the app and its helper files, plus a little room for your books.
Something to open Word files
Microsoft Word, Google Docs, Pages or LibreOffice for your manuscript, and any spreadsheet app for the character list export.
A computer that stays on
Writing happens on your computer, so it needs to be on and awake while a book is being written. The app can keep it awake for you.
Terms of service

Effective November 6, 2026

These Terms of Service (the “Terms”) are an agreement between you and Payperback Writer (“we,” “us” or “our”). By buying a subscription, or by downloading, installing or using Payperback Writer (the “Software”) or this website, you agree to these Terms. If you don’t agree, don’t use the Software.

1. What Payperback Writer is

Payperback Writer is desktop software for Windows and Mac that helps authors draft, review and edit books using third-party artificial intelligence (“AI”) services. The Software runs on your own computer and connects to AI services using an account and key that you provide. We don’t operate any AI service, and we don’t receive, store or see your books, notes or AI keys.

2. Who can use it

You must be at least 18 years old, or the age of majority where you live, and able to form a binding contract. If you use the Software for a business, you confirm you’re authorized to accept these Terms on its behalf.

3. Your license

While your subscription is active and you follow these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to install and use the Software on up to three (3) computers that you own or control. You may not:

  • share, sell, rent, lend or transfer your license key or the Software to anyone else;
  • copy, modify, distribute or create derivative works of the Software, except as the law expressly allows;
  • reverse engineer, decompile or disassemble the Software, except to the extent the law expressly permits it despite this restriction;
  • bypass, disable or interfere with license checks, activation limits or any other technical protection; or
  • remove any copyright, trademark or other notices.

The Software is licensed, not sold. We (and our licensors) keep all rights, title and interest in the Software, the Payperback Writer name and logo, and this website, except for the license above.

4. Subscriptions, billing and refunds

Subscriptions are sold through our reseller and Merchant of Record, Lemon Squeezy, which processes your payment, handles applicable sales taxes and issues your receipts. Lemon Squeezy’s own terms and privacy policy also apply to your purchase.

  • Automatic renewal. Your subscription renews automatically each billing period at the then-current price until you cancel.
  • Cancelling. You can cancel at any time through the customer portal linked in your receipt or in the Software. You keep access until the end of the period you’ve paid for, and you aren’t charged again.
  • Refunds. Because you can cancel at any time, payments are non-refundable, including for partial periods or unused time, except where the law requires otherwise. We may grant refunds at our sole discretion.
  • Price changes. We may change the subscription price. We’ll give you at least 30 days’ notice by email before a new price applies to your next renewal, so you can cancel first if you prefer.
  • Failed payments. If a payment fails and isn’t resolved, your license may be suspended until it is.
  • When your subscription ends, the Software will stop writing new material, but your books and files stay on your computer and remain yours.

5. Third-party AI services and their costs

To write with the Software, you must have your own account with a supported AI provider, such as Anthropic (Claude), OpenAI (ChatGPT), Google (Gemini), DeepSeek or OpenRouter. You agree that:

  • You are solely responsible for all charges from your AI provider, including usage you didn’t expect. Your AI usage is billed by your provider, not by us, and we can’t refund, reverse or limit it.
  • Cost estimates, running totals and spending limits shown in the Software are estimates provided for convenience only. They may be inaccurate or incomplete, and they don’t guarantee what you’ll be charged. Check your provider’s billing page for your actual charges. We strongly recommend setting spending limits with your AI provider as well.
  • You must follow your AI provider’s terms of service and usage policies, which apply to everything sent to and received from their service.
  • AI services are operated by independent companies. We don’t control them and aren’t responsible for their availability, changes, pricing, outages, content decisions or how they handle your data.
  • You are responsible for keeping your AI keys secure. The Software stores them in your computer’s password storage, but you should revoke and replace a key with your provider if you believe it has been exposed.

Payperback Writer is not affiliated with, endorsed by or sponsored by Anthropic, OpenAI, Google, DeepSeek, OpenRouter or any other AI provider. Their names and trademarks belong to their respective owners and are used only to describe compatibility.

6. Your content and AI output

Your content stays yours. As between you and us, you own everything you put into the Software (such as outlines, writing guides, notes and manuscripts) and, to the extent the law and your AI provider’s terms allow, the text it produces for you. We claim no ownership of your books.

You understand and agree that:

  • AI output may be inaccurate, inconsistent, repetitive, offensive or similar to existing works. We don’t guarantee its quality, originality, accuracy or suitability for any purpose.
  • You are solely responsible for reviewing and editing everything before you publish or share it, and for making sure your books don’t infringe anyone’s rights or break any law.
  • You are responsible for following the rules of any store, publisher or platform where you publish, including any requirement to disclose that AI was used (for example, Amazon KDP’s AI content disclosure).
  • You have the rights you need to the material you give the Software, including any manuscripts you add to the character list.
  • The law on copyright in AI-assisted works is still developing and varies by country. We don’t give legal advice.

7. Acceptable use

You agree not to use the Software or this website to:

  • create or distribute content that is illegal, or that sexualizes minors, threatens or harasses others, or infringes intellectual property or privacy rights;
  • violate any AI provider’s terms or usage policies;
  • attempt to gain unauthorized access to any system, or interfere with the Software, its updates or this website; or
  • resell the Software, or offer it as a service to others.

8. Updates

The Software may check for updates and offer to install them. Updates may add, change or remove features. We may stop supporting older versions, and some features may stop working if third-party services change. We have no obligation to provide any particular update or feature.

9. Your files and backups

Your books are stored on your own computer, and you are responsible for backing them up. We aren’t responsible for lost or corrupted files, including losses caused by the Software, your computer, AI services or anything else.

10. Feedback

If you send us suggestions or feedback, you allow us to use them freely and without any obligation to you.

11. Disclaimer of warranties

THE SOFTWARE AND THIS WEBSITE ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND ACCURACY. WE DON’T WARRANT THAT THE SOFTWARE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT IT WILL WORK WITH ANY PARTICULAR AI SERVICE, OR THAT ANY BOOK OR RESULT WILL MEET YOUR EXPECTATIONS OR ACHIEVE ANY COMMERCIAL SUCCESS. Some places don’t allow certain warranty exclusions, so some of these may not apply to you.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, ROYALTIES, DATA, CONTENT OR GOODWILL, OR FOR ANY CHARGES FROM AI PROVIDERS, ARISING FROM OR RELATED TO THE SOFTWARE, THIS WEBSITE OR THESE TERMS, EVEN IF WE HAVE BEEN TOLD THEY ARE POSSIBLE. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE SOFTWARE, THIS WEBSITE OR THESE TERMS IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SOFTWARE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIFTY U.S. DOLLARS (US$50). These limits apply to every type of claim, including contract, negligence and other legal theories. Some places don’t allow certain limitations, so some of these may not apply to you.

13. Indemnification

You agree to defend, indemnify and hold harmless Payperback Writer from any claims, losses, damages, liabilities, costs and expenses (including reasonable attorneys’ fees) arising from your use of the Software, the content you create or publish with it, your AI accounts and charges, or your breach of these Terms or of any law or third party’s rights.

14. Suspension and termination

We may suspend or end your license if you break these Terms, including by sharing your license key. You may stop using the Software at any time. Sections 4 (as to amounts owed and refunds), 5, 6, 9 to 13, and 15 to 17 survive termination.

15. Changes to these Terms

We may update these Terms from time to time. We’ll post the new version on this page with a new effective date, and for material changes we’ll make reasonable efforts to notify you (for example, by email or in the Software). If you keep using the Software after changes take effect, you accept the updated Terms.

16. Governing law and disputes

These Terms are governed by the laws of the State of South Carolina and applicable U.S. federal law, without regard to conflict-of-law rules. Before filing any claim, you agree to contact us first at mboyd1978@gmail.com and try in good faith to resolve the dispute informally for at least 30 days. Any claim that isn’t resolved informally must be brought only in the state courts located in Dorchester County, South Carolina, or the United States District Court for the District of South Carolina, and you and we consent to their jurisdiction, except that either of us may bring an eligible claim in small claims court. To the extent permitted by law, claims must be brought individually, not as a plaintiff or class member in any class or representative proceeding.

17. General

These Terms, together with any terms presented at checkout, are the entire agreement between you and us about the Software. If any part is found unenforceable, the rest stays in effect. Our failure to enforce a provision isn’t a waiver. You may not transfer these Terms without our written consent; we may transfer them in connection with a sale or reorganization of the business. You agree to comply with all applicable export control and sanctions laws.

18. Contact

Questions about these Terms? Use the contact form on this page, or email mboyd1978@gmail.com.

Privacy policy

Effective November 6, 2026

This Privacy Policy explains what information Payperback Writer (“we,” “us” or “our”) collects about you through the Payperback Writer software (the “Software”) and this website, and how it’s used. The short version: your books, notes and AI keys stay on your computer, and we never see them.

What we don’t collect

  • Your books and files. Outlines, writing guides, manuscripts, notes, reader reviews and your character list are stored only on your computer.
  • Your AI keys. They’re kept in your computer’s own password storage (Windows Credential Manager or the macOS Keychain) and sent only to the AI provider they belong to.
  • Your writing activity. The Software has no analytics or tracking, and we don’t monitor how you use it.

Information sent to your AI provider

When you write, the Software sends the text needed for each step (such as your outline, notes and chapters) directly from your computer to the AI provider you choose, using your own account. It doesn’t pass through us. Your provider’s privacy policy and terms govern how they handle it, so we encourage you to read them: Anthropic, OpenAI, Google, DeepSeek and OpenRouter each publish their own.

Information we do receive

  • Purchases. Our reseller, Lemon Squeezy, processes payments as Merchant of Record and collects your name, email address, billing details and payment information. We don’t receive your full card number. Lemon Squeezy shares order details with us, such as your name, email address, country, subscription status and license key, so we can provide the Software and support. See Lemon Squeezy’s privacy policy for how they handle your information.
  • License checks. The Software may periodically check your license key with Lemon Squeezy, sending the key and a name for your computer so we can enforce activation limits.
  • Support messages. If you contact us through this website or the Software’s Help & support form, we receive your email address and message. If you choose to include setup details, we also receive the app version, computer type, which AI and model you use, and the last error message (never your keys or book text). Messages are delivered through our website host, Netlify, to our email.
  • Update checks. The Software checks for updates by downloading a small file from our file host, Dropbox. Like any website, Dropbox and our website host may automatically log technical information such as your IP address and the time of the request.
  • This website. Our website is hosted by Netlify, which may log basic technical information such as IP addresses. We don’t use advertising or analytics cookies. The Lemon Squeezy checkout may use cookies needed to process your purchase.

How we use information

We use the information above only to sell and license the Software, provide updates, answer support requests, prevent fraud and license abuse, keep records required by law, and tell you about important changes (such as price or policy changes). We don’t sell your personal information, share it for advertising, or use it to train AI models.

Who we share it with

We share information only with service providers that help us run Payperback Writer (Lemon Squeezy, Netlify, Dropbox and our email provider), when required by law or to protect our rights, or with a successor if the business is sold or reorganized. These providers handle information under their own privacy policies.

How long we keep it

We keep purchase and license records for as long as needed to provide the Software and meet legal, tax and accounting obligations. Support messages are kept for as long as useful to help you, and you can ask us to delete them.

Security

We use reasonable measures to protect the information we hold, but no method of transmission or storage is completely secure. Because your books and keys stay on your computer, keeping that computer secure (and backing up your work) is important.

Your choices and rights

You can ask us to access, correct or delete the personal information we hold about you by emailing mboyd1978@gmail.com. Depending on where you live, you may have additional rights under laws such as the GDPR (in the European Economic Area and United Kingdom) or U.S. state privacy laws, and we’ll honor requests as those laws require. You can cancel your subscription at any time.

International users

We are based in the United States, and the services we use may process information in the United States and other countries. By using the Software, you understand your information may be processed outside your country.

Children

Payperback Writer is not intended for anyone under 18, and we don’t knowingly collect information from children. If you believe a child has given us information, contact us and we’ll delete it.

Changes to this policy

We may update this policy from time to time. We’ll post the new version on this page with a new effective date, and notify you of material changes.

Contact

Questions about privacy? Use the contact form on this page, or email mboyd1978@gmail.com.