Best Invoicing Apps Online Payments

What to check
The apps

An invoicing app with online payments puts a way to pay on the invoice itself, so your client can pay by card or another method straight from the email or link you send. When you compare apps, check which payment methods each one offers, how it sends reminders, how it shows what's paid, and what it charges for processing in your country.

Billed publishes this page, and Billed is listed first. The other apps are listed alphabetically and aren't ranked. Each description quotes the vendor's own pages, opened on October 30, 2026, and we didn't test the products. Processing fees and plan prices change and vary by country, so check each vendor's pricing page before you choose.

What to check

Payment methods your clients use: cards, bank transfers such as ACH in the US, PayPal or digital wallets.
How clients pay: a pay button or link on the invoice, without extra steps.
Reminders for unpaid invoices, and whether you can set when they go out.
Payment tracking: which invoices are paid in full, paid in part or overdue.
Processing fees for each method in your country, from the provider's own pricing page.
Offline payments: a way to record checks or cash, so every payment you receive sits in one record.

The apps

Billed

From Billed's own pages:

Payments on invoices: "Connect your Stripe account and every invoice you send gets a pay button, so clients can pay by card. Connect PayPal to add a PayPal option as well." (invoice software)
Integrations: "Billed integrates with Stripe to enable online payments on invoices" and "Add your Paypal account to Billed to start accepting payments via Paypal on your invoices." (accept payments)
Offline payments: "When a client pays by check or cash, record it as an offline payment so all your income is in one place."
Reminders and tracking: "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. Payment reminders can be customized."
Recurring billing: "Your clients can also link their credit cards which makes it easier for them to pay." (recurring invoices)

For plans, see Billed's pricing page. Billed also has time tracking and expense tracking pages.

FreshBooks

From FreshBooks' invoice software page:

"Clients can pay instantly with credit card, ACH, Apple Pay, Google Pay, or Buy Now Pay Later"
"Automate your entire billing workflow, from recurring invoices and card-on-file payments to sending reminders and charging late fees."

QuickBooks Online

From QuickBooks' payments page:

"Get paid online or in-person, with ACH payments, credit card, Apple Pay®, PayPal, and Venmo"
"Plus, track the status and send reminders."
"You'll know when customers view and pay your invoices."

Square Invoices

From Square's invoices page (US):

"Send digital invoices in seconds via email, SMS, or a shareable link"
"Your customers can pay an online invoice through their computer, in person, or from their mobile device with their credit card, Apple Pay, Google Pay, or ACH bank transfer."
"You can also set up automatic reminders before, on, or after a payment due date."
"Know the progress of your invoices at any time to track what's paid, unpaid, or overdue."

Wave

From Wave's invoicing page:

"Customers can click a “Pay now” button on invoices and pay instantly by credit card or secure bank payment (ACH/EFT)"
"Set up late payment reminders to automatically email your customers when payment is due (with Wave's online payments feature or the Pro Plan)."
"Know when an invoice is viewed, becomes due, or gets paid, so you can take the right actions to manage your cash flow."

Worked example: what a card payment costs you

The invoice and the fee rate here are a sample, invented for this example. The rate isn't any provider's price; check your provider's pricing page for its actual fees in your country.

A designer sends a $1,500.00 invoice, and the client pays by card. Suppose the processing fee is an invented 3% plus $0.25 per payment.

Percentage part: 3% × $1,500.00 = $45.00
Fixed part: $0.25
Total fee: $45.00 + $0.25 = $45.25
You receive: $1,500.00 − $45.25 = $1,454.75

Run the same calculation with each provider's own rates for card and bank payments, and include the fee in your pricing. If you plan to pass fees on to clients, check local rules first.

Terms, reminders and recurring billing

Terms: put your payment terms and any late-fee terms on the invoice and in your contract. See late payment policies. Late-fee rules vary by place, so check local rules.
Recurring billing: for retainers, see recurring invoices and the recurring invoices guide.
Test the payer's view: open your own invoice on a phone and pay a small test amount if your provider allows it, before you send it to clients.

Frequently Asked Questions

What is an invoicing app with online payments?

An invoicing app that lets your client pay the invoice online, by card or another method, from the invoice email or link, instead of sending a check or arranging a transfer separately.

Which payment methods do these apps describe?

On the pages quoted here, Billed describes card payments through Stripe and payments through PayPal. FreshBooks names "credit card, ACH, Apple Pay, Google Pay, or Buy Now Pay Later." QuickBooks names credit card, ACH, PayPal, Venmo and Apple Pay. Square names credit card, Apple Pay, Google Pay and ACH bank transfer. Wave names credit card and secure bank payment (ACH/EFT). Check each provider's page for your country.

Do invoicing apps charge fees for online payments?

Providers publish their processing fees on their own pricing pages, and fees can differ by payment method and country. This page doesn't list fees, so check each provider's pricing page.

How do I record check or cash payments in Billed?

Billed's invoice software page says, "When a client pays by check or cash, record it as an offline payment so all your income is in one place." For other apps, check their own pages.

Which of these apps should I choose?

This page doesn't rank them. Compare the payment methods your clients use, the fees in your country and the reminders and tracking you need, then try the apps with a real invoice.

Was this article helpful?

Best Invoicing Apps With Online Payments in 2026