The honest one-line answer
If you already take card payments through Square, their invoicing is free, fast 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.
Side by side
| What | InvoiceTools | Square Invoices |
|---|---|---|
| Price to make an invoice | Free, every tool | Free to send; Plus was $20 a month when checked |
| Processing fees | None. You choose the processor | Card fees on every paid invoice, around 2.9% plus a fixed fee online |
| Account needed | No. Optional account adds saved clients and sending | Yes, a Square merchant account |
| Payment speed | Whatever your processor does | Fast, often next business day into the Square balance |
| Card payments built in | No. Add your own payment link | Yes, and that is the point of the product |
| In-person payments | No | Yes, the same account runs a card reader and POS |
| Recurring and scheduled | Recurring invoice generator writes the documents; no auto charging | Yes, with automatic card charging |
| Watermark or branding | Never | Square branding unless you are on a paid plan |
| Where your data lives | In your browser unless you open an account | In your Square account |
| Templates | 200 designs plus Word, Excel and PDF downloads | A small set of styles |
Compared on 5 September 2026. Square Invoices plan facts from squareup.com, checked against current public sources: their current pricing has the live numbers.
Where Square Invoices is the better pick
Credit where due: 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, deposits are quick, and sending invoices costs nothing. For a business that already takes cards in person, adding Square Invoices is close to free and this site cannot compete on getting paid.
Where this site fits
This site wins on the first two minutes and on staying out of your way: no account, no onboarding, no country restriction, no branding on your documents, and nothing you type leaves the browser. The free invoice generator loads your trade's line items with real starting prices, the Template Studio holds 200 designs, and the payment links tool composes a pay link from the processor you already use rather than routing money through anyone. Chasing is the real cost either way: the late payment statistics show how long invoices actually take to clear.
Also weighing up the others? The Wave comparison and the Invoice Simple comparison are written the same way.
Common questions
Is there an alternative to Square Invoices with no account?
Yes. This site makes the invoice with no signup and nothing stored. You add your own payment details or a link from the processor you already use.
Are Square Invoices free?
Sending them is. Square earns on card processing, which was around 2.9% plus a fixed fee for online invoice payments when checked on 5 September 2026. The Plus plan was $20 a month.
Can I avoid processing fees with this site?
You can choose how you get paid. Bank transfer costs nothing; if you want card payments you still pay whichever processor you pick. This site never touches the money.
Does this site put its branding on the invoice like Square?
No. There is no watermark and no branding on any document, on any plan.
Does Square charge to send an invoice?
Sending is free. Square earns on the card processing, so the cost arrives as a percentage of each payment rather than as a monthly fee. If most of your clients pay by bank transfer, you are inside Square's ecosystem paying for a payment rail you are not using.
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. The payment methods block prints the link and a QR code that opens with the amount already filled in.
What does Square do that this site cannot?
Take the money. Card payments, tap to pay on a phone, and the reconciliation that follows are Square's whole business. There is no payment processing here at all, which is why the documents are free.