Invoicing & Payments Tools

Bonsai is the best all-in-one freelance business platform for solopreneurs. Proposal-to-contract-to-invoice pipeline, professional contract templates with e-signature, time tracking, expense management, quarterly tax calculations and client portal — the complete freelance operating system from $21/month.

Harvest is the best time tracking and invoicing platform for hourly-billing solopreneurs. One-click conversion of tracked hours to professional invoices, budget tracking, QuickBooks and Xero accounting integration and project management tool integrations — Free plan / $9/month Teams plan.

Square Invoices is the best invoicing solution for solopreneurs who take both in-person and online payments. Unified Dashboard across card-present and invoice payments, unlimited free invoicing, seamless customer directory sync and Square ecosystem integration — Free plan, 2.9% + $0.30 per card transaction.

HoneyBook is the best all-in-one client experience platform for creative service solopreneurs. Proposal, contract and invoice combined in one interactive client document, automation workflows, payment scheduling and a professional client portal — from $36/month.

QuickBooks Online is the best full accounting and invoicing platform for growing solopreneurs. Professional invoicing, progress billing for milestone projects, automatic invoice-to-ledger accounting, 750+ integrations and the most widely supported accounting platform for accountants and bookkeepers — from $35/month.

Zoho Invoice is the best completely free invoicing platform for solopreneurs. Professional invoices, time tracking, expense management, client portal, automated reminders, multi-currency support and Stripe/PayPal integration — all permanently free for up to 1,000 invoices per year.

Wave is the best free invoicing and accounting platform for budget-conscious solopreneurs. Unlimited invoices and clients at zero subscription cost, built-in double-entry accounting, receipt scanning and online payment acceptance — Free starter plan / Pro $19/month for automated bank sync.

FreshBooks is the best invoicing platform for service solopreneurs who bill by the hour. One-click time-to-invoice conversion, retainer hour banking, automatic payment reminders, deposit requests and BNPL integration — the definitive invoicing tool for consultants and freelancers, from $21/month.

PayPal is the best payment processor for solopreneurs who need instant client trust and universal payment recognition. Free invoicing with PayPal Business, BNPL options to increase invoice acceptance, no monthly subscription and acceptance from virtually any client globally — 3.49% + $0.49 per transaction.

Stripe is the best payment infrastructure for solopreneurs who need flexible, scalable payment processing. Invoicing in 135 currencies and 25 languages, subscription billing, Payment Links, automatic tax calculation and Radar fraud detection — no monthly fee, 2.9% + $0.30 per transaction.