10 Best Invoicing Software for Small Businesses in the US (2026)

QuickBooks Online, from Intuit (Nasdaq: INTU), puts invoicing inside the accounting software many US accountants already use. A free plan covers one user and two invoices a month — unlimited if you take payments through QuickBooks Payments — while paid plans cost $38 a month for Simple Start, $85 for Essentials, $140 for Plus and $340 for Advanced, with no annual contract. Estimates come on every plan, payment reminders and the mobile app from Simple Start, and time tracking from Essentials. Card payments cost 2.99% and ACH bank payments 1%. Best for: owners whose accountant already works in QuickBooks and who want invoicing and bookkeeping in one place.

Wave, the Canadian company owned by H&R Block since 2019, offers free invoicing and bookkeeping: the Starter plan includes unlimited estimates and invoices at no monthly cost, and Pro costs $19 a month ($190 a year) and adds automatic bank imports. Card payments cost 2.9% plus 60 cents (3.4% plus 60 cents for American Express), with the 60-cent fee waived on Pro for the first 10 transactions each month, and bank payments cost 1% with a $1 minimum. Recurring invoices and automatic reminders come with Pro or when you accept online payments, and payouts can take up to seven business days for bank payments. Best for: very small businesses that want free invoicing and free bookkeeping.

Zoho Invoice, from privately held Zoho, is completely free, with no paid tier: it allows 2 users, 3 projects and 500 invoices a year, and includes recurring invoices, automatic reminders, quotes, time tracking, a customer portal and apps for iOS, Android, Mac and Windows. Online payments through Zoho Payments cost 2.9% plus 30 cents for domestic cards and 0.8%, capped at $5, for ACH bank transfers. Invoices carry “Powered by Zoho Invoice” branding, and Zoho may delete data from accounts left inactive for more than 180 days. Best for: freelancers and small businesses that send fewer than 500 invoices a year.

Square Invoices, from Block (NYSE: XYZ), is free on Square’s Free plan, with Plus at $49 and Premium at $149 per location a month and a 30-day trial on both. Invoice card payments cost 3.3% plus 30 cents on Free and 2.9% plus 30 cents on the paid plans, and ACH bank payments 1% with a $1 minimum, capped at $10 on paid plans. Square handles deposits with a separate balance due date, recurring invoices, automatic reminders, estimates that convert to invoices and e-signature contracts, Plus adds milestone payment schedules, and it syncs with QuickBooks Online and Xero. Best for: businesses that also sell in person or bill deposits and milestones.

Xero, the New Zealand accounting company, includes unlimited users on every plan: Early costs $27 a month and covers quotes, 20 invoices and 5 bills, Growing $59 and Established $97, which adds multiple currencies, projects and time tracking. It handles repeating invoices and automatic reminders before and after the due date, and card payments through Stripe cost 2.9% plus 30 cents for domestic cards. In 2025 Xero bought the US bill-payment company Melio, and in March 2026 it launched in-app bill payments for US customers. Best for: growing teams that want full accounting with unlimited users.

Stripe Invoicing has no monthly or setup fee: Invoicing Starter costs 0.4% of each paid invoice and Invoicing Plus 0.5%, adding quotes, on top of Stripe’s standard payment fees — 2.9% plus 30 cents for domestic cards and 0.8%, capped at $5, for ACH Direct Debit. It includes a hosted payment page, a customer portal, automatic retries and email reminders, partial payments and installment plans, credit notes and sync with NetSuite, Xero and QuickBooks; recurring billing runs through Stripe Billing, priced separately. Best for: growing and tech-savvy businesses that want low ACH costs and invoices connected to their own systems.

PayPal Invoicing, from PayPal (Nasdaq: PYPL), has no monthly fee; you pay only when an invoice is paid: 3.49% plus 49 cents when customers pay with PayPal or Venmo, 2.99% plus 49 cents by card and 1%, capped at $10, by bank transfer, plus 1.5% more on international invoices. It offers templates, recurring invoices, automatic reminders, partial payments, estimates and QuickBooks and Xero sync, and customers don’t need a PayPal account to pay. PayPal can hold payments it considers high-risk. Best for: freelancers whose clients already pay with PayPal or Venmo.

HoneyBook, the San Francisco company built for client-service businesses, combines invoices with proposals, contracts, a client portal and AI tools, so a client can review, sign and pay in one flow. Starter costs $29 a month, Essentials $49 and Premium $109 when billed annually, with a 30-day free trial; Essentials adds scheduling, automations and QuickBooks Online, and Premium adds unlimited team members. Card payments start at 2.9% plus 25 cents and ACH payments cost 1.5%, and the service is available only in the US, Canada, the UK and Australia. Best for: photographers, planners, designers and other service pros who send a proposal and contract before invoicing.

Invoice Ninja is open-source invoicing software that you can use in the cloud or host on your own server. The free plan covers up to five clients with recurring invoices and automatic billing, a client portal and billable time tracking; Ninja Pro costs $14 a month or $140 a year and adds automatic late-payment reminders and an API, and Enterprise starts at $18 a month for teams. Invoice Ninja charges no payment fees of its own: you connect a gateway such as Stripe, PayPal, Square or GoCardless and pay its rates. Best for: budget-minded freelancers and businesses that want to self-host their invoicing.