Billed vs PayPal Invoicing
Quick Summary
Billed publishes this comparison, and we haven't ranked or scored either product. PayPal Invoicing lets you send invoices from a PayPal business account. Billed is separate invoicing software that can add PayPal as a way to pay its invoices, alongside card payments. Each product's details come from its own pages, checked on October 30, 2026.
Feature Comparison
| Feature | Billed | PayPal Invoicing |
|---|---|---|
| Logo on invoices Invoicing | ||
| Tax, discount Invoicing | ||
| Repeat invoices Invoicing | ||
| Reminder to pay Invoicing | ||
| Paid status Invoicing | ||
| Cards Payments | ||
| PayPal Payments | ||
| Mobile apps Account |
Comparison based on publicly available information.
Which Should You Choose?
Choose PayPal Invoicing
You want to send invoices straight from the PayPal business account you're paid into, as PayPal's invoicing page describes.
Choose Billed
You want separate invoicing software, used in a web browser and in mobile apps, whose invoices clients can still pay by PayPal. Billed's invoice software page says: "Connect PayPal to add a PayPal option as well."
Detailed Feature Analysis
Invoices
PayPal Invoicing: PayPal's invoicing page says: "Send professional invoices with your company name, brand colors, and logo for a polished look." and "Add taxes, discounts, shipping details, or notes as needed." It says you can "Track when invoices are sent, opened, and paid." and "set up recurring invoices and automatic reminders to help you stay on top of payments with less effort."
Billed: the invoice software page says: "Choose an invoice template, add your logo and business details, and save the products and services you sell so you can pull them into an invoice instead of retyping them." It also says: "Save your tax rates and settings once, and Billed calculates taxes automatically when you create invoices and estimates." and "Give a client a discount on an invoice, or create coupons." For repeat clients: "For clients you bill on a schedule, set up a recurring profile once." On reminders: "Invoice reports show which invoices are paid, partially paid or past due, and you can see who owes you money and send them a payment reminder."
How customers pay
PayPal Invoicing: the invoicing page says: "Make it easy for your customers to pay, even without an account with PayPal." The payment options it lists are PayPal, Venmo, Pay Later, Pay by Bank (ACH), Apple Pay, and credit and debit cards. It adds: "Payments using Venmo are only available in the US."
Billed: Billed's PayPal integration page says Billed connects to PayPal with your PayPal keys. The invoice software page says you can "take card and PayPal payments on them", and adds: "Connect PayPal to add a PayPal option as well."
Fees (US, October 30, 2026)
PayPal Invoicing: the invoicing page says: "Creating and sending invoices is included with your account." PayPal's merchant fees page (last updated October 1, 2026) lists these rates for invoicing transactions:
- "Standard Credit and Debit Card Payments, Apple Pay, or other third-party wallets": "2.99% + fixed fee"
- "PayPal Checkout, Pay with Venmo, or PayPal Guest Checkout": "3.49% + fixed fee"
- "PayPal Pay Later options": "4.99% + fixed fee"
- "Pay by Bank (ACH)": "1% (capped at $10.00 per transaction)"
Its fixed fee for invoicing transactions in US dollars is "0.49 USD". International invoicing transactions carry an additional "1.50%".
Billed: the accept payments page says: "Billed charges you nothing to accept online payments with Stripe. Only Stripe standard rates apply." Billed's plans are on Billed's pricing page.
Apps
PayPal Invoicing: "Use the PayPal app to create and manage invoices from anywhere you do business, right from your phone."
Billed: the invoice software page says: "Billed works in a web browser on any device, and Billed's mobile app page describes apps for iOS and Android." The mobile app page says: "Free to download on the App Store and Google Play".
In-Depth Comparison Guide
Disclosure: Billed publishes this page. We haven't ranked or scored either product. PayPal's features and fees come from its own pages, and Billed's from Billed's product pages, all checked on October 30, 2026. Fees change, so check the linked pages before you choose.
The main difference
PayPal Invoicing is part of your PayPal business account: you send invoices from PayPal, and PayPal's fees apply when a customer pays. Billed is separate invoicing software that can take PayPal on its invoices. 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." So choosing Billed doesn't mean giving up PayPal as a way to get paid.
Sample: PayPal's fees on one $1,200 invoice
This sample uses PayPal's US rates for invoicing transactions from October 30, 2026, with the 0.49 USD fixed fee. The invoice amount is invented for this example.
- Paid by credit or debit card: 2.99% of $1,200 is $35.88, plus $0.49, so the fee is $36.37 and you receive $1,163.63.
- Paid through PayPal Checkout: 3.49% of $1,200 is $41.88, plus $0.49, so the fee is $42.37 and you receive $1,157.63.
- Paid by Pay by Bank (ACH): 1% of $1,200 is $12.00, but PayPal caps this fee at $10.00, so the fee is $10.00 and you receive $1,190.00.
When a client pays a Billed invoice through PayPal, PayPal's own rate applies; check PayPal's fees page for the rate on that payment.
Moving from PayPal Invoicing to Billed
Billed's client management page says: "Billed supports client imports so you can quickly onboard your existing client list without entering each contact manually." Before you switch, download the records you want to keep from PayPal and keep them for your records.
Sources
- PayPal: invoicing page and merchant fees, checked on October 30, 2026.
- Billed: invoice software, PayPal integration, accept payments, client management, mobile app and pricing, checked on October 30, 2026.
Switching from PayPal Invoicing?
Billed's client management page says: "Billed supports client imports so you can quickly onboard your existing client list without entering each contact manually." Before you switch, download the records you want to keep from PayPal and keep them for your records.
Frequently Asked Questions
The Bottom Line
If you want to send invoices from the PayPal account you're paid into, PayPal's invoicing page (checked on October 30, 2026) says "Creating and sending invoices is included with your account." If you want separate invoicing software that can still take PayPal and card payments, Billed's invoice software page (checked on October 30, 2026) says you can "take card and PayPal payments on them" and "Connect PayPal to add a PayPal option as well." Check each product's pages for the features you rely on before you choose.
Looking at more tools than these two? See PayPal Invoicing alternatives.
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When this isn't for you
This page compares invoicing features and fees; it doesn't cover PayPal's other business products, such as its checkout or point-of-sale tools.