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Top Rated Billing and Invoicing Software with Credit Card Processing in 2025
All user reviews are verified by in-house moderators and provider data by our software research team. Learn more
Last updated: April 2025
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
- QuickBooks Online
- PayPal
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
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.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:
Pros and cons based on 2,993 verified reviews
74% 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 2,993 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
Pricing
Free version:Available|Free trial:Not available
Prices may vary depending on the number of users and features.
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.
Terra Odom
Director of Administrative Services and Finances
Billing and Invoicing key features coverage
QuickBooks Online offers 6 out of the 6 key features for Billing and Invoicing software identified by reviewers:
Pros and cons based on 8,007 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 8,007 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
Pricing
Starting price:$35 flat rate/per month|Free version:Not available|Free trial:Available
Prices may vary depending on the number of users and features.
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.Billing and Invoicing key features coverage
PayPal offers 5 out of the 6 key features for Billing and Invoicing software identified by reviewers:
Pros and cons based on 25,670 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 25,670 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
Pricing
Starting price:$0.09 other|Free version:Available|Free trial:Not available
Prices may vary depending on the number of users and features.
Other Top Rated Billing and Invoicing Software with Credit Card Processing in 2025
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.