Billed

PayPal Invoicing Alternatives

Six invoicing tools described from each company's own pages. Billed publishes this page, and the tools aren't ranked.

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Quick Verdict

Billed publishes this page, so weigh its own entry accordingly. The tools aren't ranked: each card describes one tool from its own pages, so compare the features and payment options you use and check each tool's current pricing or fees page before you choose.

Billed publishes this page, and Billed is one of the alternatives on it. Billed is listed first; the other tools are listed alphabetically and aren't ranked. Every statement about a product comes from that company's own website, checked on October 30, 2026, and the sources are listed at the end of the page.

PayPal Invoicing works from a PayPal account. PayPal's invoicing page says: "All you need is a PayPal account. Creating and sending invoices is included with your account." It also says: "Make it easy for your customers to pay, even without an account with PayPal." PayPal charges a fee when a customer pays, and its merchant fees page lists the rates for invoicing transactions.

The table below sets out price, card payments on invoices, recurring invoices and estimates / quotes for each tool, from its own website on November 4, 2026; a dash means that page didn't state it. Check each tool's details below and its own website before you choose.

What to compare

  • You want to compare how each tool charges when a customer pays an invoice
  • You want to see how other invoicing tools describe the features you use, such as estimates, recurring invoices, reminders and expenses

PayPal Invoicing Alternatives at a Glance

PayPal Invoicing alternatives compared by price (as listed), card payments on invoices, recurring invoices and estimates / quotes, as each tool's own website stated them on November 4, 2026.

  • Billed

    Price (as listed)
    Free $0/mo; Pro $10/mo or $99.99/yr; Premium $25/mo or $250/yr
    Card payments on invoices
    Yes, through Stripe; no Billed fee, Stripe's standard rates
    Recurring invoices
    Yes
    Estimates / quotes
    Yes, on all plans

  • FreshBooks

    Price (as listed)
    Lite $23/mo (USD); offer shown: $4.60/mo for 4 months
    Card payments on invoices
    Yes: cards, ACH, Apple Pay, Google Pay
    Recurring invoices
    Yes
    Estimates / quotes
    Yes, all plans (proposals from Plus)

  • Square Invoices

    Price (as listed)
    Square Free $0/mo per location
    Card payments on invoices
    Online: 3.3% + 30¢ (Square Free)
    Recurring invoices
    Yes, on Square Free
    Estimates / quotes
    Yes (with contracts)

  • Stripe Invoicing

    Price (as listed)
    0.4% per paid invoice (Starter); 0.5% (Plus)
    Card payments on invoices
    Stripe's 2.9% + 30¢ per domestic card
    Recurring invoices
    Yes (one-time or recurring)
    Estimates / quotes
    Quotes on Plus

  • Wave

    Price (as listed)
    Starter $0; Pro $190 USD/yr, billed annually
    Card payments on invoices
    Yes: 2.9% + $0.60 per card payment (Starter)
    Recurring invoices
    Yes
    Estimates / quotes
    Yes, unlimited

  • Zoho Invoice

    Price (as listed)
    Free
    Card payments on invoices
    Multiple payment options
    Recurring invoices
    Yes
    Estimates / quotes
    Quotes

Tool details

Billed

Billed publishes this page. Billed's invoice software page says: "Billed keeps invoicing, estimates, expenses, time tracking and reports in one account." Billed's PayPal integration page says Billed connects to PayPal with your PayPal keys, and Billed's invoice software page says: "Connect PayPal to add a PayPal option as well." For Billed's plans, see Billed's pricing page.

  • "Connect PayPal to add a PayPal option as well."
  • "For clients you bill on a schedule, set up a recurring profile once."
  • "Payment reminders can be customized."
  • "Billed supports client imports"

Who it's for: "Built for Small Businesses", in Billed's own words

Pricing: Free $0/mo; Pro $10/mo or $99.99/yr; Premium $25/mo or $250/yr

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FreshBooks

FreshBooks' home page calls it "Your everyday small business software". Its invoicing page says you can "Automate your entire billing workflow, from recurring invoices and card-on-file payments to sending reminders and charging late fees." Its pricing page lists "Create and send estimates" and "Track expenses in real time", and says you can get paid "with credit and debit cards, ACH bank transfer, Apple Pay, Google Pay, and Buy Now, Pay Later". For plans and add-ons, see FreshBooks' pricing page.

  • "Create and send estimates"
  • "Track expenses in real time"
  • "from recurring invoices and card-on-file payments to sending reminders and charging late fees"

Who it's for: "Your everyday small business software", in FreshBooks' words

Pricing: Lite $23/mo (USD); offer shown: $4.60/mo for 4 months

Square Invoices

Square Invoices is the invoicing part of Square. Square's invoices page says you can "Set taxes and discounts that apply to invoices automatically when you add items or services." It also describes "automatic payment reminders sent before, on, or after the due date." Customers can pay "by credit card, Apple Pay, Google Pay, Cash App Pay, ACH bank transfer, or Afterpay". Square charges a processing fee on each payment; for plans and fees, see Square's invoices pricing page.

  • "automatic payment reminders sent before, on, or after the due date"
  • "by credit card, Apple Pay, Google Pay, Cash App Pay, ACH bank transfer, or Afterpay"

Who it's for: "Manage your services with an all-in-one invoicing software", in Square's words

Pricing: Square Free $0/mo per location

Stripe Invoicing

Stripe Invoicing is Stripe's invoicing product. Stripe's invoicing page says you can "email your customers a PDF invoice or a link to a Stripe-hosted invoice page", and that "Customers can pay immediately with a credit card, ACH Direct Debit, bank transfer, or other global payment method". Stripe's invoicing pricing page says there are "no fixed fees or setup costs, but Stripe Payments pricing will apply"; for its rates, see that page.

  • "email your customers a PDF invoice or a link to a Stripe-hosted invoice page"
  • "credit card, ACH Direct Debit, bank transfer, or other global payment method"

Who it's for: "Create and send invoices in minutes", in Stripe's words

Pricing: 0.4% per paid invoice (Starter); 0.5% (Plus)

Wave

Wave's home page says: "Wave keeps your accounting, invoicing, payments, and more in one unified system." Its invoicing page says: "Add your logo and brand colors to our professional invoice templates." and "Set up recurring invoices and automatic credit card payments for your repeat customers and stop chasing payments." Customers can pay "via credit card, bank payment, or Apple Pay", through Wave's own payments. Wave's pricing page lists a fee on each online payment; for plans and rates, see Wave's pricing page.

  • "Add your logo and brand colors to our professional invoice templates."
  • "via credit card, bank payment, or Apple Pay"
  • "Wave's free app for iOS and Android"

Who it's for: "accounting, invoicing, payments, and more in one unified system", in Wave's words

Pricing: Starter $0; Pro $190 USD/yr, billed annually

Zoho Invoice

Zoho Invoice's home page says it "takes invoicing, payments, and follow-ups off your hands" and that you can "Choose an invoice template, modify it, add your business logo, and personalise it." Its payments page says: "Connect with diverse payment gateways such as Stripe, PayPal, Square, Authorize.net, and more." Its time tracking page says: "Track time, monitor progress, and create accurate invoices using Zoho Invoice." For plans and limits, see Zoho Invoice's pricing page.

  • "Connect with diverse payment gateways such as Stripe, PayPal, Square, Authorize.net, and more."
  • "Track time, monitor progress, and create accurate invoices using Zoho Invoice."
  • "Create one-time & recurring invoices"

Who it's for: "takes invoicing, payments, and follow-ups off your hands", in Zoho's words

Pricing: Free

Frequently Asked Questions

PayPal Invoicing Comparisons

See how PayPal Invoicing stacks up in detailed side-by-side comparisons.

Billed vs PayPal Invoicing

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Quick answer:PayPal Invoicing alternatives, described from each company's own pages; Billed publishes this page and the tools aren't ranked. PayPal says "Creating and sending invoices is included with your account." and lists its fees for invoicing transactions on its merchant fees page. The page describes Billed, FreshBooks, Square Invoices, Stripe Invoicing, Wave and Zoho Invoice, and points to each company's pricing page.

Sources for this page (checked October 30, 2026). PayPal: invoicing and merchant fees. FreshBooks: home page, pricing and invoicing. Square: Square Invoices and Square Invoices pricing. Stripe: Stripe Invoicing and Stripe Invoicing pricing. Wave: home page, invoicing, payments and pricing. Zoho Invoice: home page, payments, time tracking and pricing. Billed: invoice software, PayPal integration, client management and pricing. Companies change their plans, features and fees, so check each company's own pages before you decide.

When this isn't for you

If you already use PayPal Invoicing and it covers what you need, there's no need to switch.