To invoice clients, you send each customer a numbered, dated invoice that lists what you delivered, what they owe, when it is due and how they can pay. Accounting software creates and sends invoices, shows which ones are unpaid and records payments when they arrive. Adding a payment processor lets customers pay by card or online straight from the invoice, so paying takes them fewer steps.
Send invoices from your accounting software rather than a standalone app, with a pay-online link and automatic reminders switched on, so payments land in the books without anyone retyping them.
All three tracked tools are flat per account: Xero from $27/mo with no per-user fees, FreshBooks $23/mo on Lite but limited to 5 billable clients, and QuickBooks from $38/mo, whose free plan allows only 2 invoices/month. Software speeds up the easy payers, but slow ones are usually a paperwork problem on the client's side. An invoice sent to your day-to-day contact, or missing the purchase order number their finance team files it under, can sit unapproved while everyone assumes it's handled. So at kickoff, ask who approves payment, what reference they need on every invoice and whether you must be set up as a vendor first, and take a deposit from new clients. Decide too whether you'll absorb card fees (Stripe 2.9% + 30¢, PayPal 3.49% + 49¢ on PayPal Checkout), and check the local rules before passing them on, since surcharging is restricted in some places.
My read of the verified data on this page, checked against vendor sources on September 23, 2026. Disagree or spot an error? Tell Bill
QuickBooks 2026: 59% of small businesses have invoices overdue 30+ days, up from 47%. Source
Which categories a job needs is Editorial assessment; the tools, prices and dates are Verified data.
Prices are each vendor’s published entry plan, recorded from its own pricing page and dated. The example column prices a team of 10: only per-user prices are multiplied; flat and per-account prices are shown as published. Change the team size in the finder.
Accounting software sends invoices, records payments and expenses, and keeps the books your accountant needs.
| Tool | Entry price (as published) | Billing unit | Example: team of 10 | Free plan | Verified |
|---|---|---|---|---|---|
| QuickBooks | From $38/mo | Per account per month (Simple Start) | $38/moFlat per account per month (Simple Start); includes 1 login, so more logins need a higher plan or extra users | YesYes — 1 user, 2 invoices/month, 1 bank connection | Sep 12, 2026Vendor pricing |
| Xero | From $27/mo | Per account per month, no per-user fees | $27/moFlat per account per month, no per-user fees | NoNo permanent free plan — free trial available | Oct 1, 2026Vendor pricing |
| FreshBooks | $23/mo (Lite, 5 billable clients) | Per account per month; extra team members $11/month each | $23/moFlat per account per month; extra team members $11/month each | NoNo free plan — 30-day free trial, no card required | Sep 18, 2026Vendor pricing |
A payment processor lets customers pay by card or online and moves the money to your bank.
| Tool | Entry price (as published) | Billing unit | Example: team of 10 | Free plan | Verified |
|---|---|---|---|---|---|
| Stripe | 2.9% + 30¢ | Per transaction | Per transactionNo monthly fee on this plan; the vendor charges per transaction | No monthly fee | Jul 29, 2026Vendor pricing |
| PayPal | 3.49% + 49¢ (PayPal Checkout) | Per transaction | Per transactionNo monthly fee on this plan; the vendor charges per transaction | No monthly fee | Jul 29, 2026Vendor pricing |
| Square | Square Free $0/mo (2.6% + 15¢ in person); Plus $49/location/mo | Per location per month (Square Plus, $49); Square Free is $0 per location | Per transactionNo monthly fee on this plan; the vendor charges per transaction | YesYes — Square Free, $0/mo; you pay processing fees | Sep 19, 2026Vendor pricing |
Time tracking software records hours by person, project and client, for billing, payroll and timesheets.
| Tool | Entry price (as published) | Billing unit | Example: team of 10 | Free plan | Verified |
|---|---|---|---|---|---|
| Toggl Track | Free for up to 3 users; Starter $9/user/mo (annual) | Per user | $90/mo$9 × 10 users | YesYes — up to 3 users | Sep 19, 2026Vendor pricing |
| Clockify | Free for up to 5 users; Basic $3.99/seat/mo (annual) | Per seat | $39.90/mo$3.99 × 10 seats | YesYes — up to 5 users | Sep 19, 2026Vendor pricing |
| Harvest | Free for 1 seat; Teams from $9/seat/mo (annual) plus usage charges | Per seat | $90/mo$9 × 10 seats | YesYes — 1 seat, 2 projects | Sep 19, 2026Vendor pricing |
Send a numbered, dated invoice that lists the work, the amount, the due date and how to pay. Accounting software fills in your details, emails the invoice and tracks whether it has been paid. To see which tools fit your setup, try the finder for this job.
Of the 3 accounting tools we track, QuickBooks lists a free plan or free tier (limits are in the table above); Xero and FreshBooks do not. Where a free plan exists, check its limits against how many clients you bill and how often.
Send invoices the day the work is delivered, let clients pay online from the invoice, and send reminders automatically when an invoice passes its due date. Agreeing clear payment terms before the work starts also heads off disputes later.
Look for simple invoicing, online payment and automatic reminders at a price that makes sense for a team of one. The table above compares the 3 accounting tools we track (QuickBooks, Xero and FreshBooks), with each one's verified entry price and billing unit.
We start from the job, not the product. The phrasings people search for this job (for example “how to invoice clients”) come from our research into how small and mid-size teams describe it. Which software categories the job takes is our editorial judgment. Every tool, entry price, billing unit and date comes from HelpCompare’s open dataset, recorded from each vendor’s own pricing page; nothing is estimated, and where a vendor publishes no price we say so. We take no affiliate commissions and publish no scores of our own. See our methodology or download the data from Open Data.
Cite this page: HelpCompare, “How to invoice clients and get paid faster”, helpcompare.com/start/send-invoices-get-paid/ (updated ).
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