PayPal Invoicing vs Refrens

QuickBooks Online

Square Point of Sale

Wave

Zoho Invoice

Stripe Billing

Zahara

Compare PayPal Invoicing and Refrens based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

Abby

Abby helps businesses ensure that customer documents are legal and comply with the rules. Customers can pay online and receive reminders for late payments.


PayPal

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

QuickBooks Online is an all-in-one online business software designed to help manage business finances. The platform is built to scale businesses, unlocking insights and providing the functionality of a larger team, all on one integrated platform.

PayPal Invoicing is a free solution for creating and sending online invoices within a PayPal Business account. The tool allows users to create custom-branded invoice templates, populate billing details, track payments, view billing histories, schedule invoices, accept partial payments, and more.

Alerts/Notifications

Billing & Invoicing

Billing Portal

Contact Database

Credit Card Processing

Customizable Invoices

Customizable Templates

Email Management

Email Reminders

Hourly Billing

Invoice Creation

Invoice History

Mobile Payments

Multi-Currency

Online Invoicing

Payment Processing

Pricing and Cost Calculations

Quotes/Estimates

Recurring Invoicing

Recurring/Subscription Billing

Reminders

Sales Tax Management

Tax Calculation

Template Management

Reviews for PayPal Invoicing come from a wide variety of industries, including retail (8% of reviewers), arts and crafts (7%), and marketing and advertising (7%). The most frequent use case for PayPal Invoicing cited by reviewers is billing and invoicing (100% of reviewers).

Users and use cases

Some users report that PayPal Invoicing offers reasonable fees and appreciate the inclusion with business accounts at no extra cost. However, many users indicate transaction fees are high, and reviewers say rising costs impact profitability.

Value for money

PayPal Invoicing is a billing and invoicing solution offering key features such as payment processing, online invoicing, online payments, invoice creation, invoice history, and mobile payments, among others.

PayPal Invoicing

Web-based

Android

iPhone

Basic

Clinician

I really like that PayPal on voicing allows me to effectively send money to family and friends, to pay my bills and to be able to ensure that my money is safe and secure.

Software Engineer

I’ve also found that the customization options for the invoice design are somewhat basic, so it’s hard to make them perfectly match a specific brand aesthetic.

One downside is that the transaction fees can be a bit higher than other platforms, which starts to add up if you’re processing a lot of orders.

Payment Processor

Free to create/send; mobile app for on-the-go management; integrates with eBay, CRM, and accounting tools.

Co-Founder

It has been seamless to generate, customize and send invoices with PayPal without involving manual processes.

Managing director

Originally Id sometimes forget to include these invoices in my usual acount reporting software but it all intergrates now so problem solved

Owner Operator

Every time I login, it asks if I want information on a PayPal Business Loan. And almost everyday, I get an email from them also encouraging me to apply for a loan.

Cloud Solution Architect Manager

What I like most about Paypal invoicing  is that I can send invoices to my clients with just one email and customize the logo and product type.

Owner - Head Designer

The best thing about PayPal Invoicing is the ability to keep the transaction and customers to see who has paid and who has not paid for services while being able to customize products.

We use paypal inboice many times, its very dependable, organized, all date in one place, very good when it comes to calculating.

I have used it for many years but I think it needs improvements based on my experience since the new update of its dashboard doesn't have the functions of the old one and this requires more time to send invoices. If I could make a comparison, Stripe is more practical and agile in this matter.

I have had multiple problems and complaints from my client that their card is not accepted by PayPal or perhaps they entered a number incorrectly and PayPal blocks the payment with their cards.

Human Resources

It's very secure and provides an excellent, fast payment method for each client.

It's great because it allows them to pay by any major credit card/debit card.

Secretarial Services

You can save templates, clone old invoices, and send them out with one click.

The amount discounted in commissions is so high.

Easy to set up and use, a great way to receive money for services when onsite and need to settle a bill immediately.

Senior Director Of Digital Marketing

I've used it for many years and have also compared it to other payment processors.

I like everything I love that u can customize ur invoices w ur logo plus name & info, u can do 1 time billing or reaccuring, send quotes, lots of payment options, u can even add a description to each item,, plus u can send reminders 2 then about paying, they can also tip u if they'd like, it's easy 2 pull up ur invoices they have them organized 4 u & they have the best customer service

Data Encoder

Sometimes they keep your money for longer than necessary, which is bad for those who rely on their payment to meet their family's necessities.

Content Writer and Editor

The client has the power to raise claims with PayPal and get refund and your account balance will be deducted until you solve the issue.

It not friendly when it come to auto printing.

Blogger

PayPal makes it easy for me to bill customers and send it directly to their email address.

Design engineer

great, use it quite often to create payment invoices for customers

Supervisor

What I don't like is that there are many restrictions regarding the cards that can be used to pay.

Associated costs, including PayPal currency exchange and transaction fees.

Senior Civil Engineer 

I love that I can personalize each invoice with my own branding and content, and it's so simple to design and send my clients bills that appear professional.

Creative Director

From invoicing to paying online, PayPal has been my go to payment software for the past 5 years.

It is very easy to create an invoice and either download and email, or send it directly to clients through the interface.

sometimes editing the invoice gets a bit frustrating and confusing

Customer Support

We are notified before a billing date to ensure that we are up-to-date.

Admin

You have to pay to "usuage" fee and then a transfer fee.

Owner

Another great feature us payments be made from a linked Venmo or Cashapp.

We didn't like the low conversion fee and high deduction from our pay.

Additionally, anytime I've had queries or problems with the software, I've discovered the customer service to be helpful and responsive. While there have occasionally been issues with processing payments or syncing with my bank account, they have often been minor and have been swiftly fixed.

BPO Specialist

I used it for several years, to bill my client/employer for my services.

Director

I get that they need to make money, but this is very annoying.

Writer and Editor

The speed of transactions is impressive; clients can make payments swiftly in response to the invoice prompt.

You can create invoices and sell the customer and they can pay you.

It is very easy to make invoices and send them to customers.

Accountant

I use PayPal invoicing to process payments for my employees and it has been amazing.

Marketing

Learning how to navigate can be tricky at first.

Artist

Teacher

you can control the payment or delivery that you have made with paypalmany things I can do including make online payments to my colleagueshistory has an impact on my product getting paid rewards for all the reviews I do

Owner 

You can easily add your logo, save line items, add an invoice as a temate, create estimates and many other features not listed.

Owner/Operator

The ability to send the invoice as a PDF, link or just the invoice itself is amazing. With PayPal invoicing my clients have the option to pay with their credit, debit or Paypal accounts.

Invoice Payment

Payment Notifications

Credit Card Payments

Pricing

Transaction Management

Client Support

Customization Options

Account Management

Online Sales

High and accumulating fees

Costs can quickly rise and the fees are higher than some other providers.

77% of reviewers feel negative about Pricing. Users think the transaction and processing fees are higher than many competitors and can quickly add up, especially for small businesses or those with frequent transactions. Reviewers indicate that international payment fees and additional charges for instant transfers are particularly burdensome. Some users report frustration with rising or unpredictable fees, which impact their overall profits. They say that the cost structure can be confusing, and many feel that the fees are not always justified by the service provided.

Slow and unresponsive support

Sr. Business Development Manager 

The customer service has been absolutely terrible, and any time I call them with an issue, they cause even further problems with my account, which makes me feel extremely unsafe, and that my money is not safe with them.... and that places my clients in unsecure territory as well, in which I will not allow.

Business Owner

I was not able to determine why my request to add PayPal for another business kept being rejected and I did not receive a response at all from customer support.

49% of reviewers feel negative about Customer Support. Users report frequent issues with slow response times and difficulty reaching support agents when problems arise. Reviewers indicate that resolving account or technical issues often takes too long, causing frustration and delays in business operations. Some users say that customer service representatives are unhelpful or lack the knowledge to address complex problems. They find communication inconsistent and sometimes feel their concerns are not taken seriously, leading to a lack of trust in the support process.

Streamlined online sales management

You can be seriously detailed which is great for keeping track of sales.

94% of reviewers feel positive about Online Sales. Users report that PayPal Invoicing simplifies tracking and managing online sales, offering seamless integration with e-commerce platforms and marketplaces. Reviewers appreciate being able to handle transactions, shipping, and documentation all in one place. Some users find that the platform increases customer trust, leading to more sales, and note that it accommodates various payment types. They say the system helps them monitor sales trends, print shipping labels, and keep detailed records, making it easier to run their online businesses efficiently.

Intuitive and accessible platform

Nutritionist Dietitian

Anyone can utilize it because of how easy it is to use. As it is straightforward in what you desire, there is not a lot of information there.

95% of reviewers feel positive about Ease of Use. Users think the platform is straightforward and simple to navigate, even for beginners or those without technical skills. Reviewers appreciate that setup is quick, and the interface is clear and well-organized. Some users say they can easily keep track of transactions and manage invoices without a steep learning curve. They find that the system works efficiently across devices and is familiar to many, reducing resistance from clients. Reviewers indicate that automatic reminders and easy-to-read layouts make daily tasks more manageable.

Flexible and customizable invoicing

Home Inspector

From the ease of creating a new invoice, to the ease of keeping track of open, closed and past invoices, Paypal Invoicing gives you the tools that make payments for your business easier.

95% of reviewers feel positive about Invoice Payment. Users say they value the ability to customize invoices with branding, logos, and detailed line items, which helps present a professional image. Reviewers indicate that features like recurring billing, partial payments, and tipping options make payment collection more flexible. They appreciate being able to track invoice status, send reminders, and access payment history easily. Some users report that mobile payment options and instant notifications streamline their workflow. Reviewers find that integration with other platforms and quick fund transfers further enhance their business operations.

Mid-size Business

Small Business

Large Enterprises

Freelancers

Some users report that PayPal Invoicing offers reasonable and transparent fees, especially appreciating that the invoicing tool is included with a PayPal business account at no extra monthly or annual cost. Some reviewers feel the transaction fees are competitive compared to other providers, and they value the convenience and integration of features like shipping options. Users think the absence of hidden charges and the clarity of fee structures contribute positively to their experience. Some reviewers find the service cost-effective for smaller transactions and occasional use.

However, many users indicate that PayPal Invoicing’s transaction fees are higher than those of some competitors, particularly for international payments and instant transfers. Reviewers say the fees can accumulate quickly and become a significant expense for businesses with high transaction volumes or recurring payments. Some users report frustration with additional charges for certain services and feel that the fee structure is complex or not always clear upfront. They mention that rising fees and deductions can impact their overall profitability, and some users express concern about fee increases and the lack of advanced features relative to the cost.

Refrens is a business operating system that helps you with invoicing, accounting, bookkeeping, sales, inventory, client & vendor management, and other day-to-day business operations.

PayPal Invoicing vs Refrens Comparison (2026)

PayPal Invoicing

Refrens

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives