Software directory
Best Invoicing Software: 11 tools compared for 2026
Invoicing software creates, sends and tracks invoices, then collects payment and chases overdue balances. Many tools add recurring billing, estimates, expense tracking and links to accounting software. Buyers choose between simple standalone invoicing and full accounting suites.
- Tools compared
- 11
- Publish prices
- 11 of 11
- Free plan or trial
- 10 of 11
- Median G2 rating
- 4.3
Invoicing Software at a glance
| Tool | Best for | Pricing model | Starting price | G2 rating |
|---|---|---|---|---|
 Bill.com | Finance teams that run both bill pay and invoicing in one tool with approval chains. | per user | $49 per user per month (Essentials) | 4.5 (3,985 reviews) |
 QuickBooks Online | Small businesses that work with an outside accountant who already uses QuickBooks. | flat per plan with user cap | $38/month (Simple Start, 1 user) | 4.0 (3,866 reviews) |
 Xero | Teams that need unlimited users without per-seat cost. | flat per plan, no per-user license fee | $27/month (Early) | 4.4 (1,558 reviews) |
 FreshBooks | Freelancers and service businesses billing a limited number of clients. | per plan by billable client count plus per extra user | $23/month (Lite, 5 billable clients) | 4.5 (981 reviews) |
 Harvest | Agencies and consultancies that bill clients by the hour from tracked time. | per user | $9/seat/month billed annually (Teams); Free plan $0 | 4.3 (881 reviews) |
 Zoho Invoice | Freelancers and micro businesses that want free invoicing. | flat | Free | 4.7 (364 reviews) |
 Wave | Freelancers and micro businesses wanting free bookkeeping. | free tier plus flat Pro plan and payment fees | $0 (Starter); Pro $19/month | 4.3 (327 reviews) |
 Square Invoices | Small businesses already taking payments through Square. | % of spend | Free; Plus $49/month | 4.7 (215 reviews) |
 PayPal Invoicing | Freelancers whose clients already pay through PayPal. | % of spend | No monthly fee; 2.99% + $0.49 per card payment | 4.3 (210 reviews) |
 Stripe Invoicing | Businesses already processing payments through Stripe. | % of spend | 0.4% per paid invoice (Starter) | 4.1 (24 reviews) |
 Invoice Ninja | Freelancers and small firms comfortable self hosting to avoid per seat fees. | flat | Free (5 clients); Pro $140/year | 4.3 (22 reviews) |
Prices as published by each vendor on October 24, 2026. "Contact sales" means no public price. G2 ratings read on the same day.
Security and contract checklist for invoicing software
| Tool | SAML SSO | SCIM provisioning | Audit logs | Data residency | Contract | Support |
|---|---|---|---|---|---|---|
| Bill.com | Corporate and Enterprise (per pricing comparison table) | Not published | AP and AR keep an unalterable timestamped audit trail on all plans (security page) | US only found: AP/AR in certified third-party data centers; Spend & Expense on AWS US-West-2. | Monthly vs annual not stated on pricing page. | Live chat and phone for all plans; premium phone support on Enterprise. |
| QuickBooks Online | No SAML SSO with external identity providers per ThreatLocker and Intuit community answers (older, unverified in current docs) | Not published | Not published | Not published | Monthly; no annual contract; cancel anytime per pricing page. | Chat on Free; phone support free during trial; priority support and training on Advanced. |
| FreshBooks | Not published | Not published | Not published | Third-party review says personal data processed in Canada; not vendor-confirmed. | Not published | Dedicated phone support on Select. |
| Harvest | Enterprise plan ($14/seat annual); not available in trial. | Not offered natively per third party guide (stitchflow) | Activity log on Enterprise. | Google Cloud multi zone; region not named. | Monthly plan available; 30 day trial, no card. | Not published |
| Zoho Invoice | Not published | Not published | Not published | Regional Zoho data centers incl. EU domain; storage details not verified. | No contract on free plan. | Free 24/5 email and voice support per Zoho page. |
| Square Invoices | Not published | Not published | Not published | Not published | Monthly subscription. | 24/7 phone on Premium. |
| Stripe Invoicing | Stripe Dashboard supports SAML 2.0 SSO (docs); plan gating not stated. | Supported when SSO is used with SCIM (docs) | Security history log of key account activity. | Not published | No fixed fees on Starter; no minimum term stated. | Not published |
| Invoice Ninja | Not published | Not published | Not published | Self hosting lets you choose; hosted regions not found. | Annual Pro; free tier available. | Not published |
Which plan includes SSO, SCIM and audit logs often decides the real price. "Not published" means the vendor's public pages do not say; ask before you sign.
How to compare invoicing software
- Recurring invoices and subscriptions. Automatic repeat billing cuts admin for retainers and subscriptions.
- Online payment acceptance. Card and ACH links on invoices speed up collection; fees vary.
- Automated payment reminders. Late-payment nudges improve cash flow without manual follow-up.
- Sales tax and multi-currency. US tax rates and foreign currency support avoid compliance errors.
- Accounting integration. Sync with QuickBooks or Xero prevents duplicate entry.
- Time and expense billing. Service firms need billable hours and expenses on invoices.
- Branding and templates. Professional custom invoices influence client trust.
- Reporting and aging. Receivables aging shows who owes what and for how long.
- Pricing model and transparency. Free tiers, per-client or invoice caps and payment fees change cost.
- Target company size. Freelancer tools differ from mid-market billing systems.
| Tool | Recurring invoices and subscriptions | Online payment acceptance | Automated payment reminders | Sales tax and multi-currency | Accounting integration | Time and expense billing | Branding and templates | Reporting and aging | Pricing model and transparency | Target company size |
|---|---|---|---|---|---|---|---|---|---|---|
| Bill.com | Recurring invoices listed explicitly on Corporate and Enterprise; Essentials and Team list 'send invoices flexibly' only. | Card 2.9% and ACH $0.59 on received payments; instant transfer 1.25% ($1 min) | Automated payment reminders on all plans. | Not verified | 2-way sync QuickBooks Online/Pro/Premier and Xero from Team; NetSuite, Sage Intacct, Dynamics and QuickBooks Enterprise on Enterprise; Essentials is CSV only. | No billable-time invoicing found; separate BILL Spend & Expense product covers expenses. | Not verified | Cash flow forecasting from Team (QBO users); full reporting detail not verified. | Per user per month plus per-transaction fees for payments. | Small to mid-size businesses and accounting firms (accountant partner programs); Enterprise tier for larger finance teams. |
| QuickBooks Online | Not stated on pricing page. | QuickBooks Payments, card and ACH; Free plan gets unlimited invoices if you enable Payments. | Not stated on pricing page. | Not verified. | Native accounting product. | Employee time added to invoices from Essentials. | Custom lead form on Essentials; not verified for templates. | Top 3 reports on Free, general business reports on Simple Start, enhanced reports on Essentials, custom KPIs and dashboards on Advanced. | Tiered flat price with user caps; no per-user price listed. | 1 to 25 users; Advanced aimed at the upper small business end. |
| Xero | Not verified. | Not verified. | Not verified. | Not verified. | Native accounting product. | Projects tracking on Established. | Not verified. | Cash flow forecast 30/60/180 days by plan. | Flat per plan; usage charges for payroll, projects and expenses billed monthly in arrears. | Small businesses; Established for larger teams. |
| FreshBooks | Automated recurring invoices on all tiers. | Cards, ACH, Apple Pay, Google Pay, BNPL; lower fees on Select. | Automated late payment reminders on all tiers. | Tax-time reports on Lite; multi-currency not verified. | Native accounting from Plus. | Unlimited time tracking and expenses on all tiers. | Custom email templates on Premium; branding removal on Select. | Financial and double-entry accounting reports from Plus. | Client-count tiers plus $11 per extra user. | Freelancers to small service firms. |
| Harvest | Not verified | Not verified | Not verified | Not verified | Not verified | Time and expenses roll into invoices. | Not verified | Custom reports (4 on Teams, unlimited on Enterprise) | Per seat, free tier of 1 seat and 2 projects. | Small teams to enterprise; SSO and approvals aimed at larger teams. |
| Zoho Invoice | Not verified | Not verified | Not verified | Not verified | Zoho Books and other Zoho apps (not verified in detail) | Not verified | Invoice branding on free plan shows Powered by Zoho. | Not verified | Free with annual usage limits. | Freelancers and small businesses. |
| Wave | Not verified | 2.9% + $0.60 per card on Starter. | Not verified | Not verified | Native accounting. | Not verified | Not verified | Not verified | Free Starter, $19 Pro, per-transaction payment fees. | Solo and micro businesses. |
| Square Invoices | Included in invoices features. | Card, ACH; fees by plan. | Not verified | Not verified | Not verified | Not verified | Custom invoice templates start on Plus. | Not verified | Free software plus processing fees; paid tiers cut rates. | Small businesses and sole traders. |
| PayPal Invoicing | Recurring invoices or templates. | PayPal, Venmo, cards, Apple Pay, Pay Later, ACH. | Automatic reminders. | 24 currencies in 200+ markets. | Not verified | Not verified | Not verified | Not verified | Per transaction fees only. | Freelancers and small businesses. |
| Stripe Invoicing | Recurring invoicing via Stripe Billing; Smart Retries recover about 38% of originally failed payments (Stripe figure) | Card, bank transfer and 100+ global payment methods; ACH credit with virtual bank account numbers and auto-reconciliation. | Automatic email reminders when invoices are due or overdue. | Manual tax rates or automatic calculation, collection and filing via Stripe Tax; 135+ currencies, 25+ languages. | Syncs with NetSuite, Xero and QuickBooks; revenue recognition available. | Not verified | Hosted invoice page included in both plans; template depth not verified. | Not verified | 0.4% (Starter) or 0.5% (Plus) per paid invoice, plus payment fees; no seat fee. | Mostly small businesses (79.2% of G2 reviews) |
| Invoice Ninja | Supported (Pro) | Multiple gateways; not verified in detail. | Not verified | Not verified | Not verified | Not verified | Custom branding URL on Pro; client portal branded on all plans. | Not verified | Flat annual fee, not per invoice. | Freelancers and small businesses (95.5% small business reviewers on G2) |
The 11 tools in detail
Bill.com
Per-user AP and AR automation platform that sends invoices, collects payments and syncs with QuickBooks, Xero and NetSuite.
- Starting price
- $49 per user per month (Essentials)
- Pricing model
- per user
- G2 rating
- 4.5 (3,985 reviews)
- Recurring invoices and subscriptions
- Recurring invoices listed explicitly on Corporate and Enterprise; Essentials and Team list 'send invoices flexibly' only.
- Online payment acceptance
- Card 2.9% and ACH $0.59 on received payments; instant transfer 1.25% ($1 min)
- Automated payment reminders
- Automated payment reminders on all plans.
- Accounting integration
- 2-way sync QuickBooks Online/Pro/Premier and Xero from Team; NetSuite, Sage Intacct, Dynamics and QuickBooks Enterprise on Enterprise; Essentials is CSV only.
Choose it if
- Finance teams that run both bill pay and invoicing in one tool with approval chains.
- Small and mid-size companies on QuickBooks Online or Xero that want 2-way sync.
Skip it if
- Freelancers who only need to send a few invoices (starts at $49 per user per month)
- Companies needing many international payment options (reviewers complain about this)
Worth knowing
- Per-user pricing: a 20-user team on Team costs $15,600 per year at the listed monthly rate ($65 x 20 x 12), before payment fees.
- Only Corporate and above show SSO in the plan comparison table; the security page does not mention SSO.
- Automatic QuickBooks/Xero sync starts at Team ($65); Essentials is manual CSV.
QuickBooks Online
Intuit's cloud bookkeeping suite with four paid tiers that scale by user cap (1, 3, 5, 25) rather than per seat.
- Starting price
- $38/month (Simple Start, 1 user)
- Pricing model
- flat per plan with user cap
- G2 rating
- 4.0 (3,866 reviews)
- Recurring invoices and subscriptions
- Not stated on pricing page.
- Online payment acceptance
- QuickBooks Payments, card and ACH; Free plan gets unlimited invoices if you enable Payments.
- Automated payment reminders
- Not stated on pricing page.
- Sales tax and multi-currency
- Not verified.
Choose it if
- Small businesses that work with an outside accountant who already uses QuickBooks.
- Teams that want a wide third-party app ecosystem.
- Businesses needing inventory, projects and budgeting on the Plus tier.
Skip it if
- Companies needing SAML SSO with an external identity provider.
- Very small freelancers watching cost, since list prices rose in 2025.
Worth knowing
- Users are capped by plan (1/3/5/25), so a 20-person team has to buy Advanced at $340/month on the vendor pricing page.
- Third-party sources and Intuit's own notice documented a list increase effective July 1, 2025 (Simple Start $35 to $38, Essentials $65 to $75, Plus $99 to $115, Advanced $235 to $275)
- Community answers and a ThreatLocker post state QuickBooks Online does not support SAML SSO with external identity providers; Google sign-in is the alternative.
Full QuickBooks Online review · QuickBooks Online alternatives
Xero
New Zealand-built cloud accounting with three flat-priced plans and no per-user license fees.
- Starting price
- $27/month (Early)
- Pricing model
- flat per plan, no per-user license fee
- G2 rating
- 4.4 (1,558 reviews)
- Recurring invoices and subscriptions
- Not verified.
- Online payment acceptance
- Not verified.
- Automated payment reminders
- Not verified.
- Sales tax and multi-currency
- Not verified.
Choose it if
- Teams that need unlimited users without per-seat cost.
- Businesses with multi-currency needs.
- Firms working with accountants who use Xero practice tools.
Skip it if
- Buyers needing annual billing discounts (none on the US page)
- Teams needing SAML SSO, which we could not confirm.
Worth knowing
- No per-user license fees, so seats do not affect price.
- Prices step up on October 1, 2026 to $27/$59/$97 from $25/$55/$90 (insightfulaccountant.com and vendor page)
- Pricing page says Xero may change pricing at any time and subscriptions auto-renew monthly.
FreshBooks
Invoicing-first accounting for freelancers and service firms, priced by billable client count.
- Starting price
- $23/month (Lite, 5 billable clients)
- Pricing model
- per plan by billable client count plus per extra user
- G2 rating
- 4.5 (981 reviews)
- Recurring invoices and subscriptions
- Automated recurring invoices on all tiers.
- Online payment acceptance
- Cards, ACH, Apple Pay, Google Pay, BNPL; lower fees on Select.
- Automated payment reminders
- Automated late payment reminders on all tiers.
- Sales tax and multi-currency
- Tax-time reports on Lite; multi-currency not verified.
Choose it if
- Freelancers and service businesses billing a limited number of clients.
- Teams wanting time tracking and invoicing in one tool.
- Buyers who want simple, guided accounting.
Skip it if
- Teams that need many staff seats cheaply ($11 per extra user)
- Businesses needing inventory or deep ledger control.
Worth knowing
- Plans are capped by billable clients (5/50/unlimited), not by users, so Lite stops working once you bill a sixth client.
- Every extra team member costs $11/month on all tiers; only Select includes 2.
- Only SOC 2 Type 1 found (Feb 2023), report available under NDA.
Harvest
Time tracking tool with built in invoicing and expense tracking, priced per seat with a one seat free tier.
- Starting price
- $9/seat/month billed annually (Teams); Free plan $0
- Pricing model
- per user
- G2 rating
- 4.3 (881 reviews)
- Time and expense billing
- Time and expenses roll into invoices.
- Reporting and aging
- Custom reports (4 on Teams, unlimited on Enterprise)
- Pricing model and transparency
- Per seat, free tier of 1 seat and 2 projects.
- Target company size
- Small teams to enterprise; SSO and approvals aimed at larger teams.
Choose it if
- Agencies and consultancies that bill clients by the hour from tracked time.
- Teams that want one tool for timesheets, expenses and invoices without a separate accounting app.
Skip it if
- Solo users needing more than 2 projects on a free plan.
- Teams that need SCIM provisioning (not offered on any plan per a third party guide)
- Companies needing payroll or attendance compliance features.
Worth knowing
- SAML SSO is only on Enterprise ($14/seat annual) and is excluded from the Premium features available during the 30 day trial.
- Seats cannot be removed mid cycle; only added with proration, reductions apply at next renewal.
- Teams with 10 or more seats paying annually can request an invoice and pay by ACH or bank transfer.
Zoho Invoice
Free invoicing app from Zoho with usage caps, upgraded through Zoho Billing or Zoho Books.
- Starting price
- Free
- Pricing model
- flat
- G2 rating
- 4.7 (364 reviews)
- Accounting integration
- Zoho Books and other Zoho apps (not verified in detail)
- Branding and templates
- Invoice branding on free plan shows Powered by Zoho.
- Pricing model and transparency
- Free with annual usage limits.
- Target company size
- Freelancers and small businesses.
Choose it if
- Freelancers and micro businesses that want free invoicing.
- Businesses already on Zoho apps.
Skip it if
- Companies that need many customers or entities on the free plan.
- Teams that want a paid tier of the same product (upgrade is to Zoho Billing)
Worth knowing
- Free plan data is deleted if the account is inactive for 180 days (20 days after notice)
- Zoho's own pages state different free limits (2 users, 500 invoices vs 5 customers), so check your account's Usage Stats.
- Free API quota is 1,000 requests per day, 100 per minute.
Wave
Free-to-start bookkeeping and invoicing for tiny businesses that makes money on payments and a $19 Pro tier.
- Starting price
- $0 (Starter); Pro $19/month
- Pricing model
- free tier plus flat Pro plan and payment fees
- G2 rating
- 4.3 (327 reviews)
- Online payment acceptance
- 2.9% + $0.60 per card on Starter.
- Accounting integration
- Native accounting.
- Pricing model and transparency
- Free Starter, $19 Pro, per-transaction payment fees.
- Target company size
- Solo and micro businesses.
Choose it if
- Freelancers and micro businesses wanting free bookkeeping.
- Service businesses collecting card payments through invoices.
Skip it if
- Teams wanting a wide app ecosystem or inventory.
- Buyers needing fast support (slow support is the main G2 complaint)
Worth knowing
- Owned by H&R Block, which reports Wave Pro tier momentum in fiscal 2026.
- Starter is free but card payments cost 2.9% + $0.60 per transaction.
- Pro roles (admin, editor, viewer) imply multi-user, but the page gives no numeric user limit.
Square Invoices
Invoicing bundled with Square payments, with Free, Plus and Premium tiers that mainly change card fees and features.
- Starting price
- Free; Plus $49/month
- Pricing model
- % of spend
- G2 rating
- 4.7 (215 reviews)
- Recurring invoices and subscriptions
- Included in invoices features.
- Online payment acceptance
- Card, ACH; fees by plan.
- Branding and templates
- Custom invoice templates start on Plus.
- Pricing model and transparency
- Free software plus processing fees; paid tiers cut rates.
Choose it if
- Small businesses already taking payments through Square.
- Service businesses wanting to collect by card or ACH with no software fee on the Free plan.
Skip it if
- Businesses wanting to avoid per transaction fees by paying invoices off platform.
- Users needing e-signature (reviewers cite it missing)
Worth knowing
- Square's October 2025 restructuring made the tiers $0, $49 and $149 across all business types (third party)
- ACH on Plus and Premium is capped at $10 while Free charges 1% with $1 minimum.
- Invoices paid by card use the online rate, not the cheaper in person rate.
PayPal Invoicing
Invoice feature inside a PayPal business account with no monthly fee and per transaction charges.
- Starting price
- No monthly fee; 2.99% + $0.49 per card payment
- Pricing model
- % of spend
- G2 rating
- 4.3 (210 reviews)
- Recurring invoices and subscriptions
- Recurring invoices or templates.
- Online payment acceptance
- PayPal, Venmo, cards, Apple Pay, Pay Later, ACH.
- Automated payment reminders
- Automatic reminders.
- Sales tax and multi-currency
- 24 currencies in 200+ markets.
Choose it if
- Freelancers whose clients already pay through PayPal.
- Occasional invoicing across currencies.
Skip it if
- Businesses wanting low payment fees.
- Teams needing accounting, time or expense tracking.
Worth knowing
- Invoice payment fees: card 2.99% + $0.49 vs PayPal balance 3.49% + $0.49.
- ACH via Pay by Bank costs 1% capped at $10.
- Supports 24 currencies.
Stripe Invoicing
Usage-priced invoicing add-on to Stripe Payments that takes a percentage of each paid invoice instead of a seat fee.
- Starting price
- 0.4% per paid invoice (Starter)
- Pricing model
- % of spend
- G2 rating
- 4.1 (24 reviews)
- Recurring invoices and subscriptions
- Recurring invoicing via Stripe Billing; Smart Retries recover about 38% of originally failed payments (Stripe figure)
- Online payment acceptance
- Card, bank transfer and 100+ global payment methods; ACH credit with virtual bank account numbers and auto-reconciliation.
- Automated payment reminders
- Automatic email reminders when invoices are due or overdue.
- Sales tax and multi-currency
- Manual tax rates or automatic calculation, collection and filing via Stripe Tax; 135+ currencies, 25+ languages.
Choose it if
- Businesses already processing payments through Stripe.
- Teams that want no seat fee and no fixed monthly cost.
Skip it if
- Service firms needing time tracking and expense billing.
- Teams that want a standalone accounting or AP tool.
Worth knowing
- Pricing is per paid invoice (0.4% or 0.5%), so cost scales with invoice value, not seats.
- A $100,000 paid invoice costs $400 on Starter in invoicing fees, on top of payment fees.
- No setup fees or fixed monthly fee on Starter.
Invoice Ninja
Open source invoicing app available hosted or self hosted, with a free tier limited to 5 clients.
- Starting price
- Free (5 clients); Pro $140/year
- Pricing model
- flat
- G2 rating
- 4.3 (22 reviews)
- Recurring invoices and subscriptions
- Supported (Pro)
- Online payment acceptance
- Multiple gateways; not verified in detail.
- Branding and templates
- Custom branding URL on Pro; client portal branded on all plans.
- Pricing model and transparency
- Flat annual fee, not per invoice.
Choose it if
- Freelancers and small firms comfortable self hosting to avoid per seat fees.
- Teams wanting client portal, recurring invoices and many payment gateways at a flat low price.
Skip it if
- Teams wanting a large vendor with polished support and many reviews (only 22 on G2)
- Users needing a free plan with many clients.
Worth knowing
- Pro is $140/year flat versus per seat pricing at most rivals.
- Self hosting is free and the code is source available, so you pay only server and upkeep.
- Free tier caps at 5 clients.
Frequently asked questions
What is invoicing software?
Invoicing software creates, sends and tracks invoices, then collects payment and chases overdue balances. Many tools add recurring billing, estimates, expense tracking and links to accounting software. Buyers choose between simple standalone invoicing and full accounting suites.
Which invoicing software publish their pricing?
11 of the 11 tools we compared publish prices: Bill.com ($49 per user per month (Essentials)); QuickBooks Online ($38/month (Simple Start, 1 user)); Xero ($27/month (Early)); FreshBooks ($23/month (Lite, 5 billable clients)); Harvest ($9/seat/month billed annually (Teams); Free plan $0); Zoho Invoice (Free); Wave ($0 (Starter); Pro $19/month); Square Invoices (Free; Plus $49/month); PayPal Invoicing (No monthly fee; 2.99% + $0.49 per card payment); Stripe Invoicing (0.4% per paid invoice (Starter)); Invoice Ninja (Free (5 clients); Pro $140/year). The others quote on request, so ask for a written quote that names the seat or spend basis, the term and the renewal uplift.
Which invoicing software have a free plan or free trial?
Bill.com (free trial), QuickBooks Online (free plan, free trial), Xero (free trial), FreshBooks (free trial), Harvest (free plan, free trial), Zoho Invoice (free plan), Wave (free plan), Square Invoices (free plan), PayPal Invoicing (free plan) and Invoice Ninja (free plan), according to the vendors' sites on October 24, 2026.
Which invoicing software include SSO below the enterprise plan?
QuickBooks Online (No SAML SSO with external identity providers per ThreatLocker and Intuit community answers (older, unverified in current docs)); Stripe Invoicing (Stripe Dashboard supports SAML 2.0 SSO (docs); plan gating not stated). The other tools either reserve SAML SSO for their enterprise tier or do not say on their public pages.
Which invoicing software are rated highest on G2?
Among tools with at least 20 G2 reviews: Zoho Invoice 4.7 from 364 reviews, Square Invoices 4.7 from 215 reviews, Bill.com 4.5 from 3985 reviews. Ratings were read on October 24, 2026; small review counts move quickly, so read recent reviews from companies your size.