The short answer
If you already take card payments through Square, its invoicing is free to send and lands the money in the account you already use. If you do not want a merchant account or a processing cut on every invoice, that is this site.
Square Invoices plans and prices
| Plan | Price | What it includes |
|---|---|---|
| Square Free | $0 a month | Unlimited invoices and recurring invoices, estimates, contracts and projects. Invoices paid by card online: 3.3% + 30 cents. ACH bank transfer: 1%, $1 minimum |
| Square Plus | $49 a month per location (30 day free trial) | Adds payment schedules and custom invoice templates. Card online: 2.9% + 30 cents. ACH: 1%, $1 minimum, capped at $10 |
| Square Premium | $149 a month per location (30 day free trial) | The lowest processing fees and 24/7 phone support. Card online: 2.9% + 30 cents. ACH: 1%, $1 minimum, capped at $10 |
Checked on 18 September 2026 on Square Invoices's own invoices pricing page. US prices; Plus and Premium are charged per location. Prices change; their page has the live numbers.
Square Invoices vs InvoiceTools, side by side
| What | InvoiceTools | Square Invoices |
|---|---|---|
| Price to make an invoice | Free to make documents; optional Pro and Business plans | Free on Square Free; Plus $49 a month per location |
| Processing fees | Only if you use Pay now: Stripe's own fee plus 1.3% on cards or 0.5% on bank payments on Free, less on Pro and Business. Or choose your own processor | 3.3% + 30 cents per online card payment on Square Free; 2.9% + 30 cents on Plus and Premium |
| Bank transfer (ACH) | Pay now by bank through Stripe, or put your bank details on the invoice | 1%, $1 minimum; capped at $10 on Plus and Premium |
| Account needed | No. An optional account adds saved clients and sending | Yes, a Square account |
| Getting the money | Whatever your processor or bank does | Transfers to your bank the next business day free, or instantly for a fee |
| Card payments built in | Yes, optional Pay now through Stripe, or add your own payment link | Yes, and that is the point of the product |
| In-person payments | No | Yes, the same account runs card readers and point of sale |
| Recurring invoices | Plan the schedule free. With an account each invoice is emailed on its date. On Pro and Business a client can save a card for autopay, with their consent | Yes, on every plan |
| Where your data lives | In your browser unless you open an account | In your Square account |
| Other documents | Quotes, receipts, work orders, purchase orders, packing slips and more | Invoices, estimates and contracts |
Square Invoices facts from its own pages, checked on 18 September 2026.
Who Square Invoices suits better
If you want the money to arrive, Square is the better answer. The invoice, the card payment, the reader in your van and the payout all sit in one account, and sending invoices costs nothing on Square Free. For a business that already takes cards in person, adding Square Invoices is close to free, and this site cannot compete on getting paid.
Who this site suits
This site suits someone whose clients mostly pay by bank transfer, or who already has a processor and does not want a second one. The free invoice generator loads your trade's line items with starting prices you edit, the Template Studio has 278 designs, and the payment links tool puts a pay link from the processor you already use on the invoice, Square included. Chasing is the real cost either way: the late payment statistics show how long invoices take to clear.
Other honest comparisons
Written the same way: what each tool does better, and where this site fits.
Common questions
Is there an alternative to Square Invoices with no account?
Yes. This site makes the invoice with no signup, and nothing is uploaded unless you save, share or use AI. You add your bank details or a payment link from the processor you already use.
Are Square Invoices free?
Sending them is, on Square Free. Square earns on processing: when checked on 18 September 2026, an invoice paid by card online cost 3.3% + 30 cents on Square Free and 2.9% + 30 cents on Plus, which was $49 a month per location.
What does Square charge for ACH on an invoice?
1% with a $1 minimum when checked on 18 September 2026. On Square Plus and Premium the ACH fee is capped at $10; on Square Free the page shows no cap.
Can I avoid processing fees with this site?
You choose how you get paid. A bank transfer to the account on your invoice has no processing fee from this site. If you turn on Pay now, Stripe charges its own fee and InvoiceTools adds 1.3% on cards or 0.5% on bank payments on the Free plan, less on Pro and Business. You can also use your own processor and skip Pay now.
Can I use Square for payments and this site for documents?
Yes, and it is a sensible split. Put your Square payment link on the invoice you write here with the payment links tool; the payment block prints the link and a QR code.
What does Square do that this site cannot?
Take the money in person. Tap to pay, card readers, point of sale and the reconciliation that follows are Square's whole business. Pay now here covers online invoice payments through Stripe and nothing in person.
See all eight comparisons, or check what is free and what has an allowance.