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Top Rated Payment Processing Software with Invoice 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: February 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
Melio logo
4.2
(400)
25
per user/per month
visit website
Square Point of Sale logo
4.6
(3K)
Free
Wave logo
4.4
(1.7K)
19
flat rate/per month
QuickBooks Online logo
4.3
(8.3K)
38
flat rate/per month
PayPal logo
4.7
(26.1K)
0.09
other

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

Melio logo

Melio

Reviews Sentiment
 
 
 
1-2(61)
3-4(77)
5(262)
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
visit website
Pros and Cons based on 400 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
Square Point of Sale logo
Reviews Sentiment
 
 
 
1-2(62)
3-4(735)
5(2,213)
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.
Verified reviewer profile picture

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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.”
Verified reviewer profile picture

Silvia A.

Founder

Starting price
Free
Pros and Cons based on 3,010 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
Wave logo
Reviews Sentiment
 
 
 
1-2(107)
3-4(553)
5(1,049)
Key Features
Data Security4.4
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.
Verified reviewer profile picture

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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. ”
Verified reviewer profile picture

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 1,709 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(453)
3-4(3,126)
5(4,746)
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 8,325 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
PayPal logo
Reviews Sentiment
 
 
 
1-2(519)
3-4(6,255)
5(19,342)
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.
Verified reviewer profile picture

See related user reviews

“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
0.09other
Pros and Cons based on 26,116 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

Other Top Rated Payment Processing Software with Invoice Processing in 2026

Stax logo

Stax

All-In-One Payment Processing Platform

visit website
Stax delivers seamless payment processing and scalable embedded payment solutions to SMBs, ISVs, and SaaS businesses.

Read more about Stax

Users also considered
Dash logo

Dash

Automated A/R for teams who want to keep revenue in-house

visit website
Dash is a cloud-based SaaS platform that helps small businesses manage billing and recover overdue balances with automation. Our tools simplify collections, reduce manual follow-up, and let customers self-serve, helping you keep more revenue in-house.

Read more about Dash

Users also considered
PayTrace logo

PayTrace

B2B payment, billing and invoicing platform

visit website
PayTrace is a payment gateway that enables businesses to accept payments on the platform, integrate with leading business solutions, or build a custom solution using an application programming interface (API).

Read more about PayTrace

Users also considered
EBizCharge logo

EBizCharge

Web-Based payment processing solution for merchants

visit website
EBizCharge Payment Management Software lowers processing rates and helps you manage credit card payments securely and remotely from anywhere.

Read more about EBizCharge

Users also considered
Chargebee logo

Chargebee

Subscription management and recurring billing software

visit website
Start accepting payments within minutes from anywhere in the world with out-of-the-box integrations with 23+ payment gateways and 100+ currencies. Accept payments via credit cards, Direct Debit, and digital wallets like Worldpay, Amazon Pay, and Apple Pay.

Read more about Chargebee

Users also considered
Melio logo

Melio

Accounts payable platform for businesses of all sizes

visit website
Melio is a B2B payments tool that helps businesses of all sizes manage their finances. Pay vendors via bank transfer or card, even if cards aren't accepted. Sync with QuickBooks and Xero, automate your payment schedules, and establish efficient approval workflows.

Read more about Melio

Users also considered
Paystand logo

Paystand

B2B payment automation platform for finance teams

visit website
Maximize efficiency in payments processing with Paystand’s zero-fee platform. Accelerate time to cash with fast, flexible payment methods including eCheck, ACH, and credit cards. Our solution integrates seamlessly with major ERP systems, ensuring smooth financial transactions and optimal cash flow.

Read more about Paystand

Users also considered
Helcim logo

Helcim

Billing, Invoicing and Payment Processing with Helcim

visit website
Helcim offers a complete and affordable in-person payment solution for any business. Easily accept payments in-store, on-the-go, or online. Helcim’s better payments means no contracts or monthly fees, better pricing, and great customer service.

Read more about Helcim

Users also considered
SumUp logo

SumUp

POS and payments processing software

visit website
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 Billing logo

Zoho Billing

End-to-end billing solution built for every business model.

visit website
Simplify the payment process with Zoho Billing's multiple payment choices, including cards, bank transfers, and PayPal.

Read more about Zoho Billing

Users also considered
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
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

#1 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
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
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
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

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.