FreshBooks
Lite $23/mo (promo shown $4.60 for 4 months); higher tiers available
Invoicing and accounting for service businesses.
Checked Oct 15, 2026 DetailsVisit FreshBooks ↗
Invoicing & payments software for any small business
We list 11 invoicing & payments software for any small business, each checked on the vendor's own site. 9 publish a starting price; the lowest we found is $0 (free to start), from Mercury (vendor page: “Banking $0/mo; paid plans available”).
Updated Oct 15, 2026
Featured · paid placements are labeled “Ad”
Sponsor this page| Tool | What it does | Entry price | Checked on |
|---|---|---|---|
| FreshBooks | Invoicing and accounting for service businesses. | Lite $23/mo (promo shown $4.60 for 4 months); higher tiers available | Oct 15, 2026 |
| HoneyBook | Client management for independent service businesses: proposals, contracts, invoices. | Starter $29/mo billed yearly; Essentials $49/mo billed yearly | Oct 15, 2026 |
| Mercury | Business banking with invoicing and bill pay. | Banking $0/mo; paid plans available | Oct 15, 2026 |
| QuickBooks Online | Small business accounting with AI agents for invoicing and bookkeeping. | Simple Start $38/mo ($19 promo for 3 months); Essentials $85/mo | Oct 15, 2026 |
| Relay | Small business banking and money management. | Starter $0/mo; Grow $30/mo; Scale $90/mo | Oct 15, 2026 |
| Square | Payments, POS and invoicing. | Square Free plan $0/mo; processing fees apply | Oct 15, 2026 |
| Square Appointments | Booking and payments for appointment businesses. | Contact for pricing* | Oct 15, 2026 |
| Stripe | Online payments, invoicing and billing. | Contact for pricing* | Oct 15, 2026 |
| Wave | Free invoicing and accounting for small businesses. | Starter plan free; Pro plan paid (amount not in snapshot text) | Oct 15, 2026 |
| Xero | Cloud accounting for small businesses. | Early $27/mo, Growing $59/mo, Established $97/mo (intro offer: $5.40/$11.80/$19.40 per month for the first 3 months) | Oct 15, 2026 |
| Zoho Books | Online accounting software. | Free plan for micro businesses; Standard $15/org/mo billed annually ($20 monthly) | Oct 15, 2026 |
* Contact for pricing: the vendor publishes no price on its own site, so we don't show one. How we handle this.
HoneyBook
Starter $29/mo billed yearly; Essentials $49/mo billed yearly
Client management for independent service businesses: proposals, contracts, invoices.
Checked Oct 15, 2026 DetailsVisit HoneyBook ↗
Mercury
Banking $0/mo; paid plans availableFree tier
Business banking with invoicing and bill pay.
Checked Oct 15, 2026 DetailsVisit Mercury ↗
QuickBooks Online
Simple Start $38/mo ($19 promo for 3 months); Essentials $85/mo
Small business accounting with AI agents for invoicing and bookkeeping.
Checked Oct 15, 2026 DetailsVisit QuickBooks Online ↗
Relay
Starter $0/mo; Grow $30/mo; Scale $90/moFree tier
Small business banking and money management.
Checked Oct 15, 2026 DetailsVisit Relay ↗
Square
Square Free plan $0/mo; processing fees applyFree tier
Payments, POS and invoicing.
Checked Oct 15, 2026 DetailsVisit Square ↗
Square Appointments
Free plan referenced on page title; paid tier prices not in snapshot textFree tier
Booking and payments for appointment businesses.
Checked Oct 15, 2026 DetailsVisit Square Appointments ↗
Stripe
Pay-as-you-go processing fees; no monthly fee on standard pricing
Online payments, invoicing and billing.
Checked Oct 15, 2026 DetailsVisit Stripe ↗
Wave
Starter plan free; Pro plan paid (amount not in snapshot text)Free tier
Free invoicing and accounting for small businesses.
Checked Oct 15, 2026 DetailsVisit Wave ↗
Xero
Early $27/mo, Growing $59/mo, Established $97/mo (intro offer: $5.40/$11.80/$19.40 per month for the first 3 months)
Cloud accounting for small businesses.
Checked Oct 15, 2026 DetailsVisit Xero ↗
Zoho Books
Free plan for micro businesses; Standard $15/org/mo billed annually ($20 monthly)Free tier
Online accounting software.
Checked Oct 15, 2026 DetailsVisit Zoho Books ↗
FAQ
What invoicing & payments software work for any small business?
11 tools on this page, including FreshBooks, HoneyBook, Mercury, QuickBooks Online. Each was checked against the vendor's site, most recently on Oct 15, 2026.
Which invoicing & payments software for any small business publish their prices?
9 of 11: Mercury (Banking $0/mo; paid plans available); Relay (Starter $0/mo; Grow $30/mo; Scale $90/mo); Square (Square Free plan $0/mo; processing fees apply); Wave (Starter plan free; Pro plan paid (amount not in snapshot text)); Zoho Books (Free plan for micro businesses; Standard $15/org/mo billed annually ($20 monthly)). The rest ask you to contact sales or book a demo.
Is there a free option?
The vendor sites for Mercury, Relay, Square, Square Appointments, Wave state a free tier or free plan as of our last check.
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