Square Invoices is free to start, but its real cost is a cut of every payment, about 3.3% plus 30 cents on card-paid invoices, and it bills in one currency per country. Billbooks is a flat price with your own gateway.
Square Invoices is free to start, which is genuinely appealing. The cost shows up on each payment: Square takes about 3.3% plus 30 cents on card-paid invoices, it bills in one currency per country, and reconciliation or scheduling mean bolting on other Square products. Billbooks is a flat $7.95 with your own payment gateway.
| Billbooks | Square Invoices | |
|---|---|---|
| Monthly price | $7.95/mo flat | Free, or Plus $20/mo |
| Card payment feeSquare free plan, online rate | Your own gateway rate | About 3.3% + 30c per card |
| Multi-currency invoicing | Single currency per country | |
| Bank reconciliation | Included on Basic | Via QuickBooks sync |
| Appointment scheduler | Separate Square Appointments | |
| Automatic payment reminders | ||
| Digital signatures | Via Square Contracts | |
| Automatic follow-ups on quotes | Invoices only | |
| Recurring invoices |
Square Invoices offers a free plan and Invoices Plus at $20/month. Square is payments-first: its real cost is processing, about 3.3% + 30c per card-paid invoice on the free plan, with rates varying by plan and payment type. Per Square documentation (August 2026): Square Invoices is single-currency per country; bank reconciliation is handled through a QuickBooks or third-party sync; appointment booking is the separate Square Appointments product; e-signatures come via Square Contracts. Billbooks connects your own payment gateway, so your rate and currencies depend on that provider. Sources: squareup.com/invoices, Square fees, billbooks.com/pricing.
Flat cost, not a cut of each payment
You pay $7.95 a month and connect your own gateway. Square instead takes about 3.3% plus 30 cents on every card-paid invoice, which climbs with how much you get paid.
Invoice in any currency
Bill overseas clients in their currency. Square Invoices works in a single currency per country.
One tool, not several add-ons
Reconciliation and client booking mean adding QuickBooks and Square Appointments on top. Billbooks keeps invoicing, scheduling, and reconciliation in one flat plan.
To be straight with you: Square is excellent if you also take in-person payments. One vendor covers invoicing, a card reader, online checkout, banking, and payroll, and the free plan genuinely costs nothing in subscription, you only pay when you get paid. Billbooks is for people who want predictable flat pricing, multi-currency invoicing, and their own choice of payment gateway.
A flat subscription instead of a percentage of every payment.
A plan built for high-volume transactions or business models that do not fit the mold.
Contact SalesReal reviews from people who send their own invoices
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An app so good you will want to get tasks done instead of putting them off. Stay on track and keep your cashflow going.
It depends on how you get paid. Square Invoices has a free plan, but its real cost is processing at about 3.3% plus 30c per card-paid invoice. Billbooks is $7.95 a month and leaves the payment gateway, and its rate, to you.
Square Invoices is free to start and connects directly to the wider Square ecosystem, including in-person card readers and point of sale. If you take payments face to face as well as by invoice, Square keeps both in one place.
Switch to Billbooks if you bill internationally, since Square Invoices is single-currency, or if your card volume makes 3.3% plus 30c per invoice cost more than a flat $7.95. Stay with Square if you also sell in person through Square.
Billbooks is a good alternative for invoice-led businesses, especially those billing in more than one currency, which Square Invoices does not support. Square remains the better fit for retail and in-person selling.
No. Square Invoices is single currency per country. Billbooks invoices in the client currency while you report in your own, which is the deciding factor for anyone billing across borders.
About 3.3% plus 30c on the free plan, varying by plan and payment type. On $2,000 of monthly card-paid invoicing that is roughly $66, against $7.95 for Billbooks plus your own gateway rate.
Only through separate products: Square Appointments and Square Contracts, each priced on its own. Billbooks includes an appointment scheduler and digital signatures in the $7.95 plan rather than as add-ons.
Square has no subscription on its free plan, but it takes about 3.3% plus 30 cents on every card-paid invoice. On even a few thousand dollars a month that is far more than a flat $7.95. Billbooks lets you connect your own gateway and keep a predictable monthly cost.
Yes, with Billbooks. Square Invoices works in a single currency per country, so it does not suit businesses billing overseas clients in their own currency.
On invoicing, both cover reminders, recurring invoices, and e-signatures (Square via Square Contracts). Billbooks adds multi-currency and a native scheduler, and lets you bring your own gateway. Square is stronger if you also want in-person card payments and a POS.
Yes, both are included with Billbooks. On Square, booking is the separate Square Appointments product and reconciliation is done through a QuickBooks sync.
Yes. Set up clients and start invoicing in minutes, with a 30-day free trial and no credit card. You keep your own payment gateway rather than Square processing.
A little kit of calculators and generators, on the house.
Comparing your options? Billbooks keeps pricing flat and transparent. Popular with freelancers and small businesses. New to it? Try the free invoice generator first.
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