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Top Rated Payment Processing Software with Billing & Invoicing 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

Billing and invoicing streamline the creation and sending of invoices, track payments, and automate reminders. They offer customization options, ensure accuracy, and maintain records securely, improving overall payment efficiency and customer trust. Our reviewers in payment processing software rated this feature as important.

5 Best Payment Processing Software with Billing & Invoicing

Product
User rating
Starting price
Melio logo
4.2
(401)
25
per user/per month
Online Check Writer logo
4.5
(255)
30
flat rate/per month
Stripe logo
4.6
(3.3K)
Empty state illustration for "No pricing info"

No pricing info

PayPal logo
4.7
(26.2K)
0.29
other
Square Payments logo
4.7
(2.6K)
Empty state illustration for "No pricing info"

No pricing info

See other top Payment Processing products with billing & invoicing

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 Payment Processing software category. They also needed to have sufficient reviews about billing & invoicing, 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 billing & invoicing, 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

Melio logo
Reviews Sentiment
 
 
 
1-2(61)
3-4(77)
5(263)
Key Features
Data Security4.4
Online Payments4.3

User insights about the billing & invoicing feature

Users report that Melio's billing and invoicing capabilities are easy to use and time-saving. They appreciate the ability to create and send invoices quickly, the option for vendors to choose payment methods, and the integration with QuickBooks Online. However, some users find the feature less critical for their specific needs or experience issues with its functionality.

See related user reviews

“It makes it easier for me to create invoice for my Customers and Clients to do some job ”
JB

Joel B.

Marketer

“Billing if done wrong would take a whole employee to run it but with melio it more of 30 minutes in a day ”
cn

calvin n.

Owner

Starting price
25per user /
per month
Pros and Cons based on 401 verified reviews

Efficient integration workflow

Seamless accounting integration

Intuitive user interface

Unreliable email support

Issues with money transfers

Inconsistent customer service

See pros and cons details
Online Check Writer logo
Reviews Sentiment
 
 
 
1-2(11)
3-4(74)
5(170)
Key Features
Data Security4.2
Online Payments --

User insights about the billing & invoicing feature

Reviewers indicate that Online Check Writer's billing and invoicing capabilities are easy to use and add professionalism to small businesses. They appreciate the simplicity of setting up billing contacts and the ease of issuing invoices. However, many users prefer other software like QuickBooks for their billing needs, and some express dissatisfaction with recent price increases and changes to the service.

See related user reviews

“Once the simple initial set-up is complete billing contacts is near effortless. Using Online Check Writer adds an additional level of professionalism to this process that can help to polish the image of small businesses.”
KM

Karma M.

Special Education Teacher

“They changed their plans, which ultimately is to generate more revenue for themselves”
NC

Nicholas C.

Accountant

Starting price
30flat rate /
per month
Pros and Cons based on 255 verified reviews

Convenient check printing

Unexpected price hikes

See pros and cons details
Stripe logo
Reviews Sentiment
 
 
 
1-2(121)
3-4(748)
5(2,435)
Key Features
Data Security4.6
Online Payments4.7

User insights about the billing & invoicing feature

Reviewers indicate that Stripe's billing and invoicing capabilities are user-friendly and efficient. They value the automatic invoice generation, customization options, and integration with other platforms like JobTread. Users appreciate the ability to send payment links, the professional appearance of invoices, and the automated reminders. However, some mention the high fees and challenges with reconciling transactions.

See related user reviews

“I really like invoicing a certain group of my high-paying customers with stripe. these usually have different monthly totals. It is really simple and smooth to set up. Stripe also ensures this invoice is received and action is taken by sending out reminders or an unpaid invoice to your customer.”
PE

Pius E.

Founder

“Perhaps the most important aspect of Stripe in the context we use it, it makes billing and invoicing an absolute breeze. All you generally need is a business address, name, email and the amount you'd like to charge. Once you populate those fields, Stripe generates a secure payment link for you to send to your clients. The invoice details as much, or as little, as you'd like and you retain total control throughout. The payment link is possibly the most convenient aspect of this as you don't have to rely on wire transfers, bank deposits or mobile payments, but rather go through the link, enter your card details and you're good to go! This is especially popular among start-ups and small businesses purely due to the sheer convenience of using Stripe. Each invoice takes absolutely no more than a minute (longer if you're being thorough, of course) and the payment link is generated within seconds. It's then up to your clients to fill the invoice but other than that, the whole process is super quick, efficient and easy to follow. Fees are competitive and honestly, the only thing that would deter one from not using Stripe is if a different vendor had more competitive pricing - though that's difficult to do as Stripe practically sets the standard and is the go-to for a lot of businesses.”
MT

Mo T.

Sales and Partnerships Manager

Starting price
Empty state illustration for "No pricing info"

No pricing info

Pros and Cons based on 3,304 verified reviews

Effortless integration process

Highly customizable user interface

Developer-friendly API

Seamless website integration

Robust security features

Inefficient email communication

Inadequate fraud detection

Complicated refunds management

Challenging account management

Limited support services

See pros and cons details
PayPal logo
Reviews Sentiment
 
 
 
1-2(523)
3-4(6,300)
5(19,457)
Key Features
Data Security4.6
Online Payments4.7

User insights about the billing & invoicing feature

Reviewers find PayPal's billing and invoicing capabilities simple and effective. They appreciate the ease of creating and sending invoices, the ability to manage international transactions, and the automated reminders. Users highlight the secure payment processing and the convenience of tracking payments. However, some mention high fees and occasional issues with customer service.
Verified reviewer profile picture

See related user reviews

“Sending invoices is quick and simple when billing through PayPal. Direct payments can be made to my PayPal account. Invoices can be saved as templates. It also accurately estimates shipping costs and taxes.”
Verified reviewer profile picture

Antonieta S.

Administrative

“Billing & Invoicing is a critical feature for me because it helps to easily create a quick invoice for customers and bill their account easily with no issues.”
BG

Brianca G.

N/A

Starting price
0.29other
Pros and Cons based on 26,280 verified reviews
Verified reviewer profile picture

Enhanced user safety

Efficient invoicing capabilities

Convenient online shopping

Robust security measures

Seamless transaction management

High transaction fees

Inefficient refunds and disputes

Issues with email transactions

High fees and hidden costs

Costly currency exchange

See pros and cons details
Square Payments logo
Reviews Sentiment
 
 
 
1-2(55)
3-4(576)
5(2,039)
Key Features
Data Security4.7
Online Payments4.6

User insights about the billing & invoicing feature

Reviewers appreciate Square Payments' billing and invoicing capabilities for their ease of use and reliability. They find it simple to create, customize, and send invoices via email or text, and value the automatic reminders and receipts. Users highlight the seamless integration with other systems, the ability to track payments, and the convenience of managing transactions on-the-go.

See related user reviews

“Amazing customization, I can set my invoices to reflect my logo, have a personalized billing, and personalized message.”
AM

Ashely M.

Owner

“You can set up the invoicing so that when the purchase is complete, your customer receives an invoice, or you can set up an invoice that your customer receives via email.”
TC

Tracy C.

Program Coordinator

Starting price
Empty state illustration for "No pricing info"

No pricing info

Pros and Cons based on 2,670 verified reviews

Quick and simple setup

Streamlined invoicing process

Effective money management

Efficient sales management

Seamless integration

Frequent connection issues

High transaction fees

Unreliable reader connectivity

Card reader issues

Account management problems

See pros and cons details

Other Top Rated Payment Processing Software with Billing & Invoicing 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
Acuity Scheduling logo

Online appointment scheduling software and assistant

Acuity Scheduling is an online appointment scheduling solution that allows clients to self-schedule appointments or classes online, complete custom forms, receive confirmation notifications and reminders, and pay or donate with a credit card.

Read more about Acuity Scheduling

Users also considered
QuickBooks Online logo

Accounting and business management software

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.

Read more about QuickBooks Online

Users also considered
Vagaro logo

All-in-one software for beauty, wellness, & fitness pros

Vagaro® has everything you need run your business: bookings, payments, free marketplace, & more! Free contactless card reader!

Read more about Vagaro

Users also considered
FreshBooks logo

Invoice and accounting software tailored to small businesses

FreshBooks is accounting software that helps small business perform accounting tasks, conduct invoicing, manage expenses, and more.

Read more about FreshBooks

Users also considered
Stripe logo

Online payment processing for internet businesses

Stripe is a financial infrastructure platform that enables businesses to accept payments online and in person. It offers a suite of APIs for payment processing, subscription management, fraud prevention, and financial services integration Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

Read more about Stripe

Users also considered
Square Point of Sale logo
Category Leaders

iPad & Android point of sale (POS) system

Square Point of Sale is the customizable point-of-sale system built for businesses of all shapes and sizes.

Read more about Square Point of Sale

Users also considered
Square Payments logo
Category Leaders

Online payment processing for merchants & vendors

Accept every way your customers want to pay with Square Payments.

Read more about Square Payments

Users also considered
Clio logo

Cloud-based legal practice management tool for law firms.

Clio is a comprehensive legal practice management software that helps law firms streamline their operations. The platform offers case management, client intake, document automation, and legal accounting features, all integrated into one system. With built-in AI capabilities through Clio Duo, legal professionals can efficiently summarize documents and access matter details while maintaining client communication through a dedicated portal.

Read more about Clio

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
TherapyNotes, LLC logo

Online mental health EMR and practice management software.

Web-based practice management & electronic health records (EHR) software for behavioral health with thousands of active users, and unlimited customer support.

Read more about TherapyNotes, LLC

Users also considered
Wave logo

Accounting, invoicing, and payroll management platform

Wave is an integrated solution designed for small businesses. With our automatic bank connections, information flows into Wave, without manual entry. Users can collaborate with accountants or bookkeepers in real-time.

Read more about Wave

Users also considered
Zoho Invoice logo

Online invoicing tool for freelancers and SMBs.

Zoho Invoice is an online invoicing software for freelancers and small to medium enterprises (SMEs). It helps you craft professional invoices, send payment reminders, and get paid faster online.

Read more about Zoho Invoice

Users also considered
Marketing 360 logo

Marketing Platform For Small Business

Accept payments in minutes
Get approved to accept payments, connect your bank account and begin accepting and managing payments any way you’d like in under five minutes. It doesn’t get any easier!

Read more about Marketing 360

Users also considered
NetSuite logo

AI-powered cloud-based business management suite

NetSuite is an AI-powered cloud-based business management suite. It helps organizations streamline their operations and gain real-time insights into their performance. The suite caters to a range of industries such as manufacturing, retail, and professional services.

Read more about NetSuite

Users also considered
HoneyBook logo

Client management for freelancers & SMBs

Everything you need to run your business: proposals, contracts, invoicing, payments, and more.

Get started with a 7 day free trial today.

Read more about HoneyBook

Users also considered
QuickBooks Online Advanced logo

Accounting & business management for small businesses

Streamline payment processing with secure invoicing, online payment options, and automated reconciliation tools.

Read more about QuickBooks Online Advanced

Users also considered
WeTravel logo
Category Leaders

The booking & payments platform for group & multi-day travel

WeTravel is the leading all-in-one business management platform for multi-day travel businesses, providing integrated, travel-specific administration, marketing, analytics, and payment tools.

Read more about WeTravel

Users also considered
Paychex Flex logo

A Simple Approach to HR, Payroll, and Benefits.

Our onboarding software helps manage new hire paperwork, tasks, and documents digitally. We support paperless onboarding workflows that improve consistency and reduce manual administrative work.

Read more about Paychex Flex

Users also considered
Jackrabbit Dance logo

Online dance studio management software

Online dance studio software used by over 12,000 studios & schools will transform the way you run your dance studio. Learn more now!

Read more about Jackrabbit Dance

Users also considered
Stampli logo

Stress-free finance operations

Stampli Direct Pay offers domestic payments, international payments, card payments and more — all seamlessly integrated into our AP system. You have the freedom to choose your preferred payment methods.

Read more about Stampli

Users also considered
GCPay logo

Payment management software for the construction industry

GCPay is a cloud-based payment management software designed to help businesses in the construction industry manage payment applications, calculations, lien waivers, and remittances on a collaborative platform. Features include remote access, document storage, contact management, and role-based permissions.

Read more about GCPay

Users also considered
Nomod logo
Category Leaders

Take card payments anytime, anywhere.

Accept card payments via payment links or in-person using only your phone. Forget the many hassles of cash or transfers!

Read more about Nomod

Users also considered
Zoho Books logo

Online accounting software for businesses of all sizes

Zoho Books is an online accounting software designed to streamline back office operations, automate workflows, and allow secure collaboration with accountants

Read more about Zoho Books

Users also considered

Key features for Payment Processing software

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

  • Data Security: Reviewers emphasize robust security measures including encryption, multi-factor authentication, and fraud monitoring to protect sensitive financial and personal data during transactions. 92% of reviewers rated this feature as important or highly important.
  • Online Payments: Users appreciate the convenience and flexibility of online payments, allowing transactions from various devices and providing quick, secure payment options for both businesses and customers. 91% of reviewers rated this feature as important or highly important.
  • Debit/Credit Card Processing: Reviewers highlight the ease and speed of processing debit/credit card transactions, integration with multiple platforms, and the ability to link multiple cards for seamless payments. 90% of reviewers rated this feature as important or highly important.
  • Payment Fraud Prevention: Users value customizable fraud prevention tools and real-time monitoring that help detect and prevent unauthorized transactions, enhancing trust and security. 89% of reviewers rated this feature as important or highly important.
  • Mobile Payments: Reviewers like the ease of making and receiving payments via mobile devices, noting the convenience of processing transactions on-the-go and the added security features. 89% of reviewers rated this feature as important or highly important.