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Top Rated Billing and Invoicing Software with Payment Processing 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

Payment processing allows businesses to accept various payment methods, automate transactions, and manage income efficiently. It ensures secure, timely payments, reduces manual effort, and improves cash flow management. Our reviewers in billing and invoicing software rated this feature as important.

5 Best Billing and Invoicing Software with Payment Processing

Product
User rating
Starting price
Jobber logo
4.6
(1.4K)
39
flat rate/per month
HoneyBook logo
4.7
(678)
36
flat rate/per month
QuickBooks Online logo
4.3
(8.3K)
38
flat rate/per month
Xero logo
4.4
(3.2K)
25
flat rate/per month
FreshBooks logo
4.5
(4.5K)
21
flat rate/per month

See other top Billing and Invoicing products with payment processing

How we picked the 5 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 payment 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 up to three products based on our proprietary ratings and reviews: Highest rated, Highly rated for payment processing, and Highly rated for free version. 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 5 best products

Jobber logo
Reviews Sentiment
 
 
 
1-2(53)
3-4(348)
5(1,019)
Key Features
Invoice Processing4.6
Invoice Creation4.7

User insights about the payment processing feature

Reviewers find Jobber's payment processing easy to use and efficient, with options for credit card payments and on-site collections. They appreciate the integration with QuickBooks and the ability to set due dates and follow-up texts. However, some users mention high processing fees and delays in fund transfers. The need for more flexible billing options is also noted.
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“Jobber's payment processing feature allows businesses to securely process payments from customers. This helps businesses get paid quickly and efficiently, and can help protect them from fraud and bad debt. It also makes it easier for customers to make payments and can improve customer satisfaction.”
DN

Debbie N.

Manager

“Allows us to collect the 50% deposit upfront when the Quote is accepted making the customer accepting a job seamless and gives us as a company peace of mind that the deposit has already been handled. The Techs are also able to process payments at job completion which makes payment collection much much smoother.”
Verified reviewer profile picture

Megan H.

Office Manager - Bookkeeper

Starting price
39flat rate /
per month
Pros and Cons based on 1,420 verified reviews
Verified reviewer profile picture

Enhanced team coordination

Continuous feature updates

Operational efficiency boost

Facilitates business expansion

Responsive customer support

Inconsistent issue resolution

Limited financial accounting features

Complex navigation and dashboard

Subpar diGital documentation

High costs and hidden fees

See pros and cons details
HoneyBook logo
Reviews Sentiment
 
 
 
1-2(17)
3-4(98)
5(563)
Key Features
Invoice Processing4.7
Invoice Creation4.7

User insights about the payment processing feature

Reviewers indicate HoneyBook's payment processing is simple and secure, with options for standard and instant transfers. They appreciate the all-in-one platform for billing clients and the integration with Stripe. Users note the convenience of automatic payments and the ease of use for both clients and businesses. However, some find the processing time slow and fees high.
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“Billing clients is incredibly simple and having a choice between a standard bank transfer and an Instant Transfer is great when cash flow is paramount. ”
CD

Cameron D.

Owner/Operator

“HoneyBook, makes billing clients very easy with the option of making payment with the click of a button online and follow up emails ”
Verified reviewer profile picture

Ezekiel R.

President and CEO

Starting price
36flat rate /
per month
Pros and Cons based on 678 verified reviews
Verified reviewer profile picture

Comprehensive CRM capabilities

Effective project tracking

Inefficient email management

See pros and cons details
QuickBooks Online logo
Reviews Sentiment
 
 
 
1-2(456)
3-4(3,151)
5(4,777)
Key Features
Invoice Processing4.4
Invoice Creation4.5

User insights about the payment processing feature

Reviewers appreciate QuickBooks Online's payment processing for its convenience, speed, and integration with bank accounts. They value the ability to accept various payment methods directly from invoices. Users mention high fees for credit card processing and occasional delays in fund transfers. The automatic matching of payments to invoices is seen as a significant time-saver.

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“It provides smooth connection with a range of payment gateways. This makes it possible for me to effectively receive payments made with bank transfers, credit cards, or other means. For my company, the ease of using QuickBooks' payment processing exp”
MA

Mark A.

Researcher

“I like payment processing in QuickBooks Online because it facilitates timely payments, streamlines financial transactions, improves cash flow management, and enhances overall efficiency.”
AR

Antonio R.

Linguist

Starting price
38flat rate /
per month
Pros and Cons based on 8,384 verified reviews

Cloud-based accessibility

Ideal for small businesses

Seamless integrations

Comprehensive accounting features

Efficient tax management

Frequent bugs and crashes

Limited desktop features

Recurring costs and price increases

Inadequate customer support

Complicated transaction management

See pros and cons details
Xero logo
Reviews Sentiment
 
 
 
1-2(159)
3-4(1,155)
5(1,955)
Key Features
Invoice Processing4.6
Invoice Creation4.6

User insights about the payment processing feature

Reviewers highlight Xero's payment processing for its integration with popular gateways like Stripe, PayPal, and GoCardless. They find it quick, secure, and easy to use, especially for batch payments and direct deposits. Users appreciate the automated reconciliation with bank statements and the ability to process payments directly from invoices. Some mention the need for better bank integration and UI improvements.

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“I have integrated my payment processor with Xero and my clients can make payments directly through the invoices I send. This becomes easy for them to view and pay the invoice.”
AA

Abhishek A.

CEO

“Xero integrates with popular payment gateways, allowing users to process payments from their customers quickly and securely.”
DN

Debbie N.

Manager

Starting price
25flat rate /
per month
Pros and Cons based on 3,269 verified reviews

Cloud accounting accessibility

Customizable dashboard

Effective bookkeeping tools

Accessible learning resources

User-friendly interface

Slow issue resolution

Poor customer support

Limited inventory management

Lack of live support

Underdeveloped mobile access

See pros and cons details
FreshBooks logo
Reviews Sentiment
 
 
 
1-2(82)
3-4(1,768)
5(2,656)
Key Features
Invoice Processing4.6
Invoice Creation4.6

User insights about the payment processing feature

Reviewers appreciate FreshBooks' payment processing for its speed, ease of use, and multiple payment options, including credit cards, ACH, and integrations with Stripe and PayPal. They find it efficient for online invoicing and automatic payment recording. Users highlight the secure transactions and the ability to track invoice views. Some mention delays in payment confirmation and issues with specific countries or cards.

See related user reviews

“payment processing is seamlessly integrated into the online invoicing customers can quickly pay their outstanding balance directly from the invoice generated.”
ED

Eugene D.

Project Manager

“FreshBooks integrates with popular payment gateways like Stripe, PayPal, and credit card processors, making it easy for clients to pay directly through invoices. Clients can pay online with just a few clicks, improving convenience and increasing the”
AA

Adah A.

Certified Public Accountant

Starting price
21flat rate /
per month
Pros and Cons based on 4,506 verified reviews

Cloud accounting accessibility

Efficient invoicing capabilities

Tailored for small businesses

Minimal learning curve

Effective freelancer tools

Reliance on internet connection

Limited bank integration

High costs for larger teams

Frequent technical issues

See pros and cons details

Other Top Rated Billing and Invoicing Software with Payment 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
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
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
Hubstaff logo

Centralized app for time tracking and productivity metrics

Streamline your billing with Hubstaff: automate and track invoicing and billable hours seamlessly. Enhance your brand with customizable invoices. Easy integration with QuickBooks, PayPal, and more. No credit card needed, available for iOS and Android. Simplify billing in a few clicks.

Read more about Hubstaff

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
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
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
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

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: Users find invoice processing efficient, with features like OCR, customizable templates, and real-time updates. It simplifies tracking payments, creating invoices, and managing accounts. 95% of reviewers rated this feature as important or highly important.
  • Invoice Creation: Reviewers value the flexibility in customizing invoices, ease of use, and automated features that save time and reduce errors. It supports various templates, tax settings, and client information storage. 94% of reviewers rated this feature as important or highly important.
  • Online Invoicing: Users appreciate the convenience of creating, sending, and tracking invoices online. It integrates with CRM systems, offers customization, and improves payment collection efficiency. 92% of reviewers rated this feature as important or highly important.
  • Invoice History: Reviewers highlight the importance of accessible invoice history for tracking payments, managing finances, and auditing. It helps in maintaining accurate records and eliminating duplicate invoices. 91% of reviewers rated this feature as important or highly important.
  • Tax Calculation: Reviewers note that automated tax calculations ensure compliance with tax laws, reduce errors, and save time. It supports different tax rates and provides clear tax reporting. 82% of reviewers rated this feature as important or highly important.