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Top Rated Billing and Invoicing Software with Electronic Payments in 2026

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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

Electronic payments enable quick and secure transactions, reduce reliance on paper-based methods, and streamline payment processing. This allows businesses to collect funds efficiently, save time, and improve overall customer experience. Our reviewers in billing and invoicing software rated this feature as highly important.

4 Best Billing and Invoicing Software with Electronic Payments

  • QuickBooks Online
  • Jobber
  • Square Point of Sale - Highest rated for electronic payments
  • PayPal

See other top Billing and Invoicing products with electronic payments

How we picked the 4 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 electronic payments, 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 electronic payments 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 4 best products

QuickBooks Online logo
4.3
(8.3K)

User insights about the electronic payments feature

Reviewers appreciate QuickBooks Online's electronic payments for their convenience and time-saving capabilities. They highlight the ease of processing payments, tracking transactions, and the integration with other financial tools. Users report faster payments and improved cash flow, though some mention issues with delayed fund releases and bank integration. Overall, they find it a valuable tool for managing business finances and streamlining payment processes.
“I appreciate how easy and convenient it is to process electronic payments through QuickBooks Online. It saves me time and eliminates the hassle of manual payment handling. Highly recommend this feature for efficient payment processing!”
Verified reviewer profile picture

Terra O.

Director of Administrative Services and Finances

“We are able to receive direct electronic payments from our clients to our invoices. This allows us to quickly collect money on time rather than wait for checks to be cashed in the bank.”
KC

Katie C.

Admin

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 8,384 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 8,384 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.

Jobber logo
4.6
(1.4K)

User insights about the electronic payments feature

Users report that Jobber's electronic payments are easy to manage and convenient for both businesses and customers. They appreciate the automation of payment collection, which reduces accounts receivable time. Reviewers note that the system works well for credit card and ACH payments, though some mention high fees and limitations on ACH processing. Overall, they find it reliable and efficient for handling customer payments and improving cash flow.
“makes it easy for customers to pay for the service and track what has been paid in deposits.”
DD

DAVID D.

Owner of the Company

“The automation helps us keep our account receivable to 1 -2 days”
TH

Tylor H.

President

Billing and Invoicing key features coverage

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

Invoice Processing4.6
Invoice Creation4.7
Online Invoicing4.7
Invoice History4.8
Payment Processing4.4
Tax Calculation

Pros and cons based on 1,420 verified reviews

72% of users rated Jobber 5 out of 5 stars, while 4% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 1,420 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Enhanced team coordination

Continuous feature updates

Operational efficiency boost

Facilitates business expansion

Responsive customer support

Cons:

Inconsistent issue resolution

Limited financial accounting features

Complex navigation and dashboard

Subpar diGital documentation

High costs and hidden fees

See pros and cons details

Pricing

Starting price:$39 flat rate/per month|Free version:Not available|Free trial:Available

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

Square Point of Sale logo
4.6
(3K)

User insights about the electronic payments feature

Reviewers indicate that Square Point of Sale's electronic payments are easy to use and versatile, allowing transactions via credit/debit cards, online, and in-person. They appreciate the quick transfer of funds to bank accounts and the security provided. Users report that the system supports contactless payments and integrates well with mobile devices. However, some mention issues with online payment processing and delays in fund transfers. Overall, they find it convenient and efficient for both businesses and customers.
“Square makes taking credit cards extremely easy. We have the wall mount which has both the slot to insert card or tap to pay. Both are utilized regularly by our customers. This is the main purpose in us signing up with Square. We wanted a way for customers to use credit cards without us needing to man our storefront. This kiosk is a wonderful option. ”
DG

Danielle G.

Farm Store Manager

“Our business is primarily online, and occasionally in-person at vendor fairs. The majority of our sales are electronic. We are able to send invoices and payment links via e-mail or text message, as well as accept debit/credit card payments in person. ”
AS

Ashley S.

Co-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 electronic payments feature

Users find PayPal's electronic payments system fast, secure, and convenient for both personal and business transactions. They appreciate the platform's ability to handle various payment methods, including credit/debit cards and bank transfers. Reviewers highlight the ease of use, global accessibility, and integration with other systems. However, some users report issues with fund holds and high fees. Overall, they value PayPal for its reliability, speed, and widespread acceptance for online payments.
“Electronic payments are pivotal in PayPal due to their speed, convenience, and security. They allow users to instantly send and receive funds globally, eliminating the need for physical cash or traditional paper-based methods”
AN

Anele N.

Employee

“Pay Pal offers a convenient and efficient way to send and receive money online, with electronic payments users can make transactions from comfort of their own devices.”
TL

Tyson L.

San Miali Electrician

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 26,275 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 26,275 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.

Other Top Rated Billing and Invoicing Software with Electronic Payments 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
Rippling logo

Workforce management across HR, finance, and IT. 

Rippling Spend: Consolidate your business’s corp cards, bill pay, travel and expense management, into one modern system with built-in approvals, custom policies, and automatic reconciliation.

Read more about Rippling

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
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
PandaDoc logo

Cloud-based tool for creating, editing and signing documents

Sales teams can collect payments directly inside their PandaDoc proposals, quotes and contracts as soon as the documents get eSigned. You can further integrate via Zapier with accounting and invoicing software like Freshbooks and Quickbooks online.

Read more about PandaDoc

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
SuiteDash logo

All-in-One Business Software

Perfect for small to medium-sized businesses looking for a cost-effective, all-in-one platform to integrate CRM, project management, billing, and client portals, SuiteDash simplifies operations, boosts productivity, and reduces overhead costs. Save time and money while streamlining your workflow wit

Read more about SuiteDash

Users also considered
webexpenses logo

Software for smarter expense management & invoice processing

Webexpenses provides simple, intuitive cloud-based software for smarter expense management and invoice processing, with full support and seamless integration.

Read more about webexpenses

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
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
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
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
Elorus logo
Category Leaders

Cloud Invoicing & Time Tracking for modern professionals

Discover a super-easy online invoicing & billing software that helps you focus on making your professional mark in the business world. Start with our lifelong free plan!

Read more about Elorus

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 highlight the ease of storing, reviewing, and managing invoices, along with features like OCR for data entry, customizable templates, and efficient workflows. 95% of reviewers rated this feature as important or highly important.
  • Invoice Creation: Users appreciate the customizable templates, ability to generate professional invoices quickly, and options for recurring or automated invoicing to save time. 94% of reviewers rated this feature as important or highly important.
  • Online Invoicing: Reviewers value the convenience of sending invoices online, tracking payment status, and receiving notifications, which enhance efficiency and cash flow management. 92% of reviewers rated this feature as important or highly important.
  • Invoice History: Users find the comprehensive tracking and management of past invoices essential for financial transparency, reporting, and customer service. 91% of reviewers rated this feature as important or highly important.
  • Payment Processing: Reviewers highlight the importance of secure, flexible payment options, integration with various payment gateways, and efficient transaction tracking for revenue management. 91% of reviewers rated this feature as important or highly important.
  • Tax Calculation: Users appreciate automated tax calculations, compliance with local and international tax laws, and the ability to customize tax settings for accurate invoicing. 82% of reviewers rated this feature as important or highly important.