getapp-logo

App comparison

Add up to 4 apps below to see how they compare. You can also use the "Compare" buttons while browsing.

Software categoriesBlog & researchAbout us

GetApp offers objective, independent research and verified user reviews. We may earn a referral fee when you visit a vendor through our links. 

Table of Contents

usersusersusers

Talk with us for a free 15-min consultation

Expert advisors like Chase, who have helped 1,000+ companies, can find the right software for your needs.

Top Rated Billing and Invoicing Software with Credit Card Processing in 2026

Verified reviewer profile picture
Verified reviewer profile picture

All user reviews are verified by in-house moderators and provider data by our software research team.  Learn more

Last updated: April 2026

Credit card processing enables quick and secure payments directly from invoices, offers flexibility for customers to use various payment methods, and helps businesses receive payments faster, enhancing overall efficiency. Our reviewers in billing and invoicing software rated this feature as important.

3 Best Billing and Invoicing Software with Credit Card Processing

  • Square Point of Sale - Highest rated for credit card processing
  • PayPal
  • QuickBooks Online

See other top Billing and Invoicing products with credit card processing

How we picked the 3 top rated products

We chose the high-performing solutions on this list based on verified user ratings on our site. Depending on available data, qualifying products either had to be among the most user-reviewed or the most searched-for products in the billing and invoicing software category. They also needed to have sufficient reviews about credit card processing, have a minimum user rating of 3 out of 5 for that feature, and show evidence of U.S. market presence. We then added a distinction for the product with the highest rating for credit card processing based on our proprietary ratings and reviews. Sponsorship or client status has no influence on the selection of these products, but it may impact the order in which products appear.

Details for the 3 best products

Square Point of Sale logo
4.6
(3K)

User insights about the credit card processing feature

Reviewers appreciate Square Point of Sale's credit card processing capabilities for their simplicity and efficiency. They find it essential for accepting all major credit and debit cards, which significantly boosts sales. Users report seamless integration with the point of sale system and value the secure, rapid transactions. They highlight the competitive processing fees and the convenience of various payment methods, including swipe, chip, and tap. However, some users mention occasional issues with online orders and higher fees for manual card entries.
“Instantly process credit card payments! I have a little card reader which plugs right into the headphone jack of my cell phone and I'm able to take payments at every craft show and pop-up shop event.”
NS

Nathalie S.

Owner

“They take every card there is. Flexibility in transferring your sales to the bank and one set, very low, processing fee for any sale with any card”
FV

Felicia V.

Owner

Billing and Invoicing key features coverage

Square Point of Sale offers 6 out of the 6 key features for Billing and Invoicing software identified by reviewers:

Invoice Processing4.7
Invoice Creation4.6
Online Invoicing4.6
Invoice History4.5
Payment Processing4.7
Tax Calculation4.3

Pros and cons based on 3,018 verified reviews

73% of users rated Square Point of Sale 5 out of 5 stars, while 2% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 3,018 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Ideal for small businesses

Easy setup process

Efficient invoice management

Minimal staff training required

Comprehensive sales management

Cons:

Reliance on internet connectivity

High transaction fees

Inconsistent support and issues

Compatibility issues with readers

Unreliable card reader

See pros and cons details

Pricing

Free version:Available|Free trial:Available

Prices may vary depending on the number of users and features.

PayPal logo
4.7
(26.2K)

User insights about the credit card processing feature

Reviewers indicate that PayPal's credit card processing is quick, secure, and user-friendly. They appreciate the ability to link multiple cards and the convenience of processing payments both online and offline. Users find the integration with bank accounts and the invoicing feature particularly helpful. They value the wide acceptance of credit cards and the efficient fraud resolution. However, some users mention occasional difficulties in changing payment cards and higher fees compared to other options.
“Most of my customers pay online through the invoicing feature with the card option. This is convenient for them and I receive the payment instantly! I also have the card reader through Zettle which also deposits the payment into my PayPal but I usually get the payment the next day. The invoicing feature with PayPal is the quickest way to receive payment. ”
SV

Shamika V.

Owner

“Very efficient. It takes less than a minute to link your credit card to PayPal. You can use the credit card to receive money or buy goods and services.”
MP

Malekiado P.

DCEO

Billing and Invoicing key features coverage

PayPal offers 5 out of the 6 key features for Billing and Invoicing software identified by reviewers:

Invoice Processing4.5
Invoice Creation4.5
Online Invoicing4.6
Invoice History4.6
Payment Processing4.6
Tax Calculation

Pros and cons based on 26,280 verified reviews

74% of users rated PayPal 5 out of 5 stars, while 2% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 26,280 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Enhanced user safety

Efficient invoicing capabilities

Convenient online shopping

Robust security measures

Seamless transaction management

Cons:

High transaction fees

Inefficient refunds and disputes

Issues with email transactions

High fees and hidden costs

Costly currency exchange

See pros and cons details

Pricing

Starting price:$0.29 other|Free version:Available|Free trial:Not available

Prices may vary depending on the number of users and features.

QuickBooks Online logo
4.3
(8.3K)

User insights about the credit card processing feature

Reviewers appreciate the credit card processing capabilities of QuickBooks Online for their seamless integration with invoicing and ease of use. They find it convenient for clients to make payments, although some users mention that the processing fees are higher compared to alternatives like Square or Stripe. Users report reliable and efficient payment processing, but some experience occasional delays or errors. Overall, they value the integration with other QuickBooks features, despite the higher costs.
“I appreciate the seamless integration and user-friendly interface of the credit card processing feature in QuickBooks Online. Accepting payments from customers is quick and easy. A reliable and efficient tool for managing payments!”
Verified reviewer profile picture

Terra O.

Director of Administrative Services and Finances

“QuickBooks processes all credit cards which is very convenient for my customers.”
TS

Tiffanie S.

Floor Installer

Billing and Invoicing key features coverage

QuickBooks Online offers 6 out of the 6 key features for Billing and Invoicing software identified by reviewers:

Invoice Processing4.4
Invoice Creation4.5
Online Invoicing4.5
Invoice History4.5
Payment Processing4.3
Tax Calculation4.3

Pros and cons based on 8,385 verified reviews

57% of users rated QuickBooks Online 5 out of 5 stars, while 5% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 8,385 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Cloud-based accessibility

Ideal for small businesses

Seamless integrations

Comprehensive accounting features

Efficient tax management

Cons:

Frequent bugs and crashes

Limited desktop features

Recurring costs and price increases

Inadequate customer support

Complicated transaction management

See pros and cons details

Pricing

Starting price:$38 flat rate/per month|Free version:Not available|Free trial:Available

Prices may vary depending on the number of users and features.

Other Top Rated Billing and Invoicing Software with Credit Card Processing in 2026

PayPal logo

Payment processing, fraud protection and risk management

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.

Read more about PayPal

Users also considered
QuickBooks Enterprise logo

Enterprise accounting, FSM and inventory management solution

QuickBooks Desktop Enterprise is an accounting software for small businesses which provides users with real-time access to customer, employee, and vendor information. The software includes tools for managing inventory, shipping, sales orders, pricing, tasks, invoicing, reporting, and more.

Read more about QuickBooks Enterprise

Users also considered
QuickBooks Online logo

Accounting and business management software

Use QuickBooks Online to create custom invoices with your own branding. Insert Pay Now links to your invoices and accept payment via credit card or bank payment

Read more about QuickBooks Online

Users also considered
FreshBooks logo

Invoice and accounting software tailored to small businesses

FreshBooks lets you create, send & track invoices, as well as create expenses, send late payment reminders and account statements, and set up recurring billing.

Read more about FreshBooks

Users also considered
Housecall Pro logo

Field service management application for businesses

Housecall Pro simplifies billing with one-click digital invoicing, automatic reminders, and secure payment methods. Keep track of payments and send automated receipts. Go paperless and boost efficiency. Join over 45,000 businesses and sign up for a free trial today!

Read more about Housecall Pro

Users also considered
Square Point of Sale logo

iPad & Android point of sale (POS) system

Square Point of Sale is a POS solution for Android and iOS devices which includes tools for managing payments, digital receipts, inventory, reports, and more.

Read more about Square Point of Sale

Users also considered
Xero logo

Cloud-based accounting software for small businesses

Xero is an award-winning online accounting software with billing and invoicing solutions designed for small business owners and accountants, available on any computer or mobile device with an internet connection. Easily manage your cash flow, bills, and invoices all in one place.

Read more about Xero

Users also considered
Clio logo

Cloud-based legal practice management tool for law firms.

Legal billing software that gives you sleek, customizable invoices. Generating a bill and receiving payment with Clio is quick and easy—and can be done online.

Read more about Clio

Users also considered
QuickBooks Desktop logo

Comprehensive business management solution

QuickBooks Desktop provides a comprehensive business management solution that integrates accounting, payroll, inventory, and multiple company management functionalities. The software offers industry-specific editions tailored for manufacturing, wholesale, contractors, and accountants, with features like advanced reporting, job costing, and automated pricing rules. Users can enhance their experience with cloud hosting capabilities that enable remote access and team collaboration.

Read more about QuickBooks Desktop

Users also considered
Jobber logo

Tool that manages quotes, schedules, invoices and tasks

Join over 250,000 home service pros using Jobber. We make it easy to schedule appointments, quote, invoice, and get paid faster. Organize your field service business and impress your clients - get started today.

Read more about Jobber

Users also considered
SumUp logo

POS and payments processing software

SumUp offers card readers and POS systems designed for small businesses across various industries. The platform provides comprehensive payment solutions including portable card readers, self-service kiosks, and invoicing capabilities. SumUp also features financial management tools such as business checking accounts and customer engagement options through gift cards and reward programs, all accessible through a single mobile application.

Read more about SumUp

Users also considered
Wave logo

Accounting, invoicing, and payroll management platform

With Wave's comprehensive, free and unlimited invoicing tools, you can send invoices, keep track of who owes what, send reminders and more.

Read more about Wave

Users also considered
Zoho Invoice logo
Category Leaders

Online invoicing tool for freelancers and SMBs.

Zoho Invoice is an online invoicing software that helps you craft beautiful invoices, automate payment reminders and receive payments faster.

Read more about Zoho Invoice

Users also considered
Marketing 360 logo

Marketing Platform For Small Business

Send invoices with ease
Create and send online invoices and estimates in minutes. Get paid in one click 24/7 from any device. Keep track of the status of all your invoices in real time from one place.

Read more about Marketing 360

Users also considered
NetSuite logo

AI-powered cloud-based business management suite

Optimize receivables and accelerate cash flow by automating billing and invoicing processes with NetSuite's AI-fueled cloud accounting software. Transactions are posted to the GL automatically, which saves time, helps avoid error-prone manual data entry and ensures AR data is always up to date.

Read more about NetSuite

Users also considered
HoneyBook logo

Client management for freelancers & SMBs

Secure and easy digital payments. Use payment schedules and reminders to never miss an a client payment. Give clients a frictionless payment experience. Small businesses have booked over $2 billion in business through HoneyBook. Get paid quickly and on time, every time.

Read more about HoneyBook

Users also considered
Paymo logo

Task Management, Time Tracking, and Accounting for SMBs

Accurately track your work time and create estimates and invoices in 18 languages. Custom templates available.

Read more about Paymo

Users also considered
Abby logo

Billing and invoicing platform

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

Read more about Abby

Users also considered
QuickBooks Online Advanced logo

Accounting & business management for small businesses

Automate billing and invoicing with customizable templates, batch processing, and real-time payment tracking for efficient operations.

Read more about QuickBooks Online Advanced

Users also considered
PayPal Invoicing logo

Free online invoice creation and sending

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.

Read more about PayPal Invoicing

Users also considered
BQE CORE Suite logo
Category Leaders

Cloud-based firm management tool for A&E firms.

BQE CORE is a cloud-based software designed specifically for architecture and engineering firms. The platform integrates accounting, invoicing, project management, and resource planning features that streamline operations across entire organizations. BQE CORE enables firms to track time and expenses, manage projects profitably, and access real-time financial data through a centralized system that eliminates the need for multiple software solutions.

Read more about BQE CORE Suite

Users also considered
Fiverr logo

Time tracking, invoicing and payments app for freelancers

Fiverr Workspace (formerly AND.CO) is a cloud-based solution for freelance and small business workers, designed to streamline the time & expense tracking process with tools such as invoicing, contract creation, time tracking, expense tracking, & more. Fiverr Workspace also provides native mobile app support for Android & iOS.

Read more about Fiverr

Users also considered
BigTime logo

AI-powered scoping, project, time, and billing software

BigTime helps reduce operational costs, align talent to projects, accelerate payments, and enable decision-making. With 20+ years of experience, BigTime can get you up and running quickly, operate with flexibility and agility, and enable you to solve today’s challenges and scale with you tomorrow.

Read more about BigTime

Users also considered
PracticePanther Legal Software logo

Cloud-based law practice management platform for law firms.

PracticePanther is the highest-rated, easiest-to-use, all-in-one legal billing and invoicing software on the market. Trusted by tens of thousands of solo, small, and mid-sized law firms across 170+ countries, to automate and streamline firm operations on any device, anywhere.

Read more about PracticePanther Legal Software

Users also considered
Odoo logo

All-in-one open-source business software

Easily manage recurring billing, subscribers, sales, and more with Odoo’s automated tools. Quickly provide clear contracts and flawless, automated invoices; take care of taxes without stress; and handle payments - all done automatically according to your settings.

Read more about Odoo

Users also considered

Key features for Billing and Invoicing software

Based on GetApp's analysis of verified user reviews collected between July 2021 and August 2024.

  • Invoice Processing: Reviewers appreciate the efficiency of invoice processing, including OCR capabilities, streamlined workflows, automated updates, and ease of managing accounts receivable and payable. 95% of reviewers rated this feature as important or highly important.
  • Invoice Creation: Users highlight the customization options, easy template use, and automation features that simplify the creation and management of professional invoices. 94% of reviewers rated this feature as important or highly important.
  • Online Invoicing: Reviewers value the convenience of sending invoices electronically, tracking payment status, and integrating with CRM systems for better customer management. 92% of reviewers rated this feature as important or highly important.
  • Invoice History: Users find the ability to track and manage past invoices essential for accurate financial records, auditing, and maintaining customer relationships. 91% of reviewers rated this feature as important or highly important.
  • Payment Processing: Reviewers emphasize the importance of secure, flexible, and efficient payment processing, integrating with various payment methods and enhancing overall financial management. 91% of reviewers rated this feature as important or highly important.
  • Tax Calculation: Users appreciate automated tax calculations, compliance with local regulations, and the ability to manage different tax rates for accurate invoicing and reporting. 82% of reviewers rated this feature as important or highly important.