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.
Start FREE TrialSquare 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
★★★★★
“I used to hate sending invoices and payment reminders. I never imagined a boring, cumbersome task could be this intuitive and fun.”
★★★★★
“I used to waste hours on invoicing. With Billbooks it is all done before my coffee gets cold, so I focus on growing my store.”
★★★★★
“We are always on the move, and Billbooks keeps our billing just as fast and reliable. No training needed, just invoices out and money in.”
An app so good you will want to get tasks done instead of putting them off. Stay on track and keep your cashflow going.
Square Invoices is free. Why pay for Billbooks?
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.
Can I invoice in other currencies?
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.
Does Billbooks do everything Square does?
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.
Do I get a scheduler and reconciliation?
Yes, both are included with Billbooks. On Square, booking is the separate Square Appointments product and reconciliation is done through a QuickBooks sync.
Can I switch from Square?
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.
30-day free trial. No credit card required.
Start FREE TrialComparing your options? Billbooks keeps pricing flat and transparent. Popular with freelancers and small businesses. New to it? Try the free invoice generator first.