Invoicing apps compared: what you keep when a client pays by card
You pay Stripe's standard rate. We don't add a cent.
Card payment comparison
One invoice. What reaches you.
A $1,000.00 invoice paid online with a US domestic card, in USD.
| Invoicing app / plan | Card processing rate | You keep |
|---|---|---|
| Invosmith (Stripe standard) | 2.9% + 30¢ | $970.70 |
| PayPal cards | 2.99% + 49¢ | $969.61 |
| Square Free | 3.3% + 30¢ | $966.70 |
| Invoice2go Starter | 3.5% | $965.00 |
| Invoice Simple (maximum rate) | Up to 3.49% + 49¢ | $964.61 |
Published rates as of October 2026. Processing fees only; app subscriptions, international cards, currency conversion, instant payouts and other charges are excluded. Invoice Simple's example uses its published maximum rate; lower rates leave you more.
Sources: Stripe pricing · PayPal merchant fees · Square Invoices pricing · Invoice2go pricing · Invoice Simple fee schedule.
Invosmith Pro
What $15/month includes
$8.25/month billed yearly ($99), or $15 month-to-month
- ✓ Automatic payment reminders
- ✓ Card payments into your own Stripe account
- ✓ Saved clients and items (exportable)
- ✓ Receipt book
- ✓ Estimates and quotes
- ✓ Invoices you can send and track
The generator stays free, with no sign-up and no watermark.