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Top Rated Payment Processing Software with Invoice Processing in 2026

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

Last updated: April 2026

Invoice processing allows for the creation, tracking, and management of invoices efficiently. It enables businesses to send invoices directly to clients, receive payments promptly, and maintain accurate financial records. Our reviewers in payment processing software rated this feature as highly important.

5 Best Payment Processing Software with Invoice Processing

Product
User rating
Starting price
Square Point of Sale logo
4.6
(3K)
Free
PayPal logo
4.7
(26.2K)
0.29
other
Wave logo
4.4
(1.7K)
19
flat rate/per month
QuickBooks Online logo
4.3
(8.3K)
38
flat rate/per month
Melio logo
4.2
(401)
25
per user/per month

See other top Payment Processing products with invoice 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 Payment Processing software category. They also needed to have sufficient reviews about invoice 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 invoice 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

Square Point of Sale logo
Reviews Sentiment
 
 
 
1-2(62)
3-4(740)
5(2,216)
Key Features
Data Security4.7
Online Payments4.6

User insights about the invoice processing feature

Reviewers indicate that Square Point of Sale's invoice processing is fast, simple, and secure. They find it easy to send invoices, apply payments, and track outstanding amounts. Users appreciate the convenience of emailing invoices and sending reminders. They say it helps them keep track of sales and merchandise efficiently, making the process smooth and user-friendly.
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“I can email, sent reminders, apply payments and see what I have sent and what is outstanding.”
AE

Amy E.

Auditor

“Invoice processing is very fast and simple. It helps my customers check out faster.”
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Silvia A.

Founder

Starting price
Free
Pros and Cons based on 3,018 verified reviews
Verified reviewer profile picture

Ideal for small businesses

Easy setup process

Efficient invoice management

Minimal staff training required

Comprehensive sales management

Reliance on internet connectivity

High transaction fees

Inconsistent support and issues

Compatibility issues with readers

Unreliable card reader

See pros and cons details
PayPal logo
Reviews Sentiment
 
 
 
1-2(523)
3-4(6,303)
5(19,457)
Key Features
Data Security4.6
Online Payments4.7

User insights about the invoice processing feature

Reviewers indicate that PayPal's invoice processing is fast, easy, and reliable. They appreciate the ability to create and send professional invoices quickly, track payments, and manage finances in one place. Users find the process straightforward and value the real-time notifications and reminders. They also highlight the convenience of integrating with other products like Apple and Square.
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“Processing the invoice has been easy, invoice creation is straight forward, customer receives the invoice via email for example, clicks on Pay Invoice, it takes them to a webpage to pay for it (haven't tried via the App) and once paid, I get a notification saying payment has been made and I can verify the payment.”
Verified reviewer profile picture

Harry S.

2nd Line Support Engineer

“PayPal's invoice processing is seamless and efficient. You can easily create and send professional invoices to clients, track payments, and manage your business finances all in one place. It's a great tool for streamlining your invoicing process! ”
AB

Abigail B.

Marketing

Starting price
0.29other
Pros and Cons based on 26,283 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
Wave logo
Reviews Sentiment
 
 
 
1-2(109)
3-4(558)
5(1,052)
Key Features
Data Security4.3
Online Payments

User insights about the invoice processing feature

Users report that Wave's invoice processing is quick, efficient, and user-friendly. They value the ability to customize invoices, create recurring invoices, and send automated reminders. Reviewers appreciate the professional look of the invoices and the ease of tracking payments. They find the integration with other software and the ability to handle discounts and taxes particularly helpful.
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“Invoices can be easily customized and you can create recurring invoices with automated reminders so that even if you do forget, the customer can be reminded to pay you. Now you can also add discounts on invoices and they are applied before taxes. ”
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Rose G.

Land surveyor

“I'm happy with how easy it is to create invoices and process the payments. All unpaid invoices are on one page and you can send reminders to the clients too. Partial payments can be processed and it gives you a clear indication of what is outstanding.”
DD

Dina D.

Business Owner

Starting price
19flat rate /
per month
Pros and Cons based on 1,719 verified reviews
Verified reviewer profile picture

Affordable for small businesses

Intuitive and modern interface

Excellent value for small businesses

Comprehensive invoicing features

Effective bookkeeping solution

Slow performance and load times

Ineffective email communication

Limited customer support options

Unresolved software issues

Challenging bank reconciliation

See pros and cons details
QuickBooks Online logo
Reviews Sentiment
 
 
 
1-2(456)
3-4(3,151)
5(4,778)
Key Features
Data Security
Online Payments4.2

User insights about the invoice processing feature

Reviewers appreciate QuickBooks Online's invoice processing for its simplicity and efficiency. They find it easy to create, send, and track invoices, and value the customizable templates and automated reminders. Users highlight the seamless integration with other software and the ability to manage payments and outstanding invoices. They also mention the helpful features for tracking revenue and ensuring accurate financial records.

See related user reviews

“QuickBooks invoicing makes billing and collecting payments efficient. The system is designed to alert managers when payments are received, still open, and overdue. This is helpful in analysis and following up with collections. ”
BT

Benita T.

Loan Counselor

“Invoice processing in QuickBooks Online is important because it streamlines billing, tracks revenue, ensures accurate financial records, and facilitates timely payments.”
AR

Antonio R.

Linguist

Starting price
38flat rate /
per month
Pros and Cons based on 8,385 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
Melio logo
Reviews Sentiment
 
 
 
1-2(61)
3-4(77)
5(263)
Key Features
Data Security4.4
Online Payments4.3

User insights about the invoice processing feature

Reviewers appreciate Melio's invoice processing for its ease of use and efficiency. They highlight the simple inputs, drag-and-drop functionality, and seamless QuickBooks integration. Users find it easy to set up, send, and pay invoices, and they value the automated payment processing. They also mention the helpful approval system and the ability to provide payment links to clients.

See related user reviews

“The invoicing helps alot as when you start to send or anout to receive you are already set as the invoicing eases use.”
ND

Ntokozo D.

Owner

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

Joel B.

Marketer

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

Other Top Rated Payment Processing Software with Invoice 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
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
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
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
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
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
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
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
ePayPolicy logo
Category Leaders

Faster, Easier, Integrated Insurance Payment Services

ePayPolicy is a payment processing solution designed to help businesses in the insurance sector collect credit card and ACH payments from policyholders. The centralized dashboard enables administrators to track transactions, access electronic receipts, and control user permissions.

Read more about ePayPolicy

Users also considered
Payoneer logo

Send and receive money locally and internationally

Payoneer is a cross-border payments platform available in over 200 countries and 150 currencies, with multiple payout options

Read more about Payoneer

Users also considered
Spendesk logo

Smart, trackable spending at work. From Approvals to Zen.

Empower finance teams with visibility across the entire spending process and wow employees with a streamlined experience for spending at work.

Read more about Spendesk

Users also considered
Regpack logo

AI-automated payment and registration cloud software.

Regpack is an online registration and user management solution that assists organizations with registration of applicants and management of online payments.

Read more about Regpack

Users also considered
BILL Accounts Payable & Receivable logo

BILL, a leader in financial automation software for SMBs

Bill.com's efficient AP and AR software and automation helps you save 50% of your time on business payment management with standardized, automated workflow.

Read more about BILL Accounts Payable & Receivable

Users also considered
PaySimple logo

Payments today. Partners for Tomorrow.

PaySimple is the leading payments management solution for service-based businesses, powering the cashflow of over 20,000 companies nationwide.

Read more about PaySimple

Users also considered
vcita logo

Appointment scheduling and reminder solution

vcita is an all-in-one business management app designed with small businesses in mind, helping teams manage clients, schedule, billing and administration. The platform includes a CRM to manage client records, online scheduling to book appointments and manage team calendars, billing and invoicing tools, and a client portal for customers to book, pay, and communicate with the business.

Read more about vcita

Users also considered
Online Check Writer logo

Software for managing payments and accounting operations

OnlineCheckWriter.com is check printing software and a B2B payment platform with 30+ business payment tools. Pay and get paid with checks, eChecks, ACH, wires, international payments, and credit cards. Connects with QuickBooks, Xero, and more.

Read more about Online Check Writer

Users also considered
8am LawPay logo

Online payment solution for the legal industry

8am LawPay is an online payment processing and management solution used by various types of law firms, including bankruptcy law firms, family law firms, criminal defense law firms, immigration law firms, enterprise legal departments, and CLE firms.

Read more about 8am LawPay

Users also considered
TUIO logo

Cloud-based school and childcare management system

TUIO simplifies tuition collection with online payments, same-day payouts, and real-time financial visibility. Streamline your billing process with TUIO today.

Read more about TUIO

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: Users highlight strong encryption, multi-factor authentication, and fraud monitoring to protect sensitive payment and personal data. 92% of reviewers rated this feature as important or highly important.
  • Online Payments: Reviewers appreciate the convenience of sending and receiving payments from anywhere, customizable invoices, and multiple payment options. 91% of reviewers rated this feature as important or highly important.
  • Debit/Credit Card Processing: Users value quick, secure transactions, the ability to link multiple cards, and the absence of setup or cancellation fees. 90% of reviewers rated this feature as important or highly important.
  • Payment Fraud Prevention: Reviewers note effective fraud detection through real-time monitoring, customized rules, and advanced algorithms to protect against unauthorized transactions. 89% of reviewers rated this feature as important or highly important.
  • Mobile Payments: Users find mobile payments convenient for on-the-go transactions, with features like QR code scanning and instant money transfers. 89% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Reviewers appreciate easy invoice creation, customization options, automatic payment reminders, and secure transaction tracking. 86% of reviewers rated this feature as important or highly important.