--- title: "Best Billing and Invoicing Software for Small Businesses 2026 | Capterra" description: "Find and compare the 2026 best Billing and Invoicing software for small businesses, using our interactive tool to quickly narrow your choices based on businesses like yours." source_url: "https://www.capterra.com/billing-and-invoicing-software/s/small-businesses/" page_type: "subcategory" language: "en" --- # Best Billing and Invoicing Software for small business Written by David Jani David is an analyst with 5 years of experience covering technology for accounting, cybersecurity, and other business uses. His insights draw on 20+ studies and 2.5 million Capterra reviews. [See full bio and all articles](https://www.capterra.com/resources/author/david-jani/). ## Top 10 ranked by small-business reviewer ratings ### Ranked small business Billing and Invoicing products | Rank | Product | Overall rating | Category rating | Key attribute | Starting price | Key features | | --- | --- | --- | --- | --- | --- | --- | | 1 | [Refrens](https://www.capterra.com/p/204191/Refrens/) | 4.9 out of 5 (292 reviews) | 4.9 out of 5 (281 category reviews) | Highly rated for Ease of Use | $220.00 Per Year | Included: Billing Portal, Contact Database, Credit Card Processing, Customizable Invoices, Invoice Processing, Mobile Payments, Payment Processing, Quotes/Estimates, Tax Calculation | | 2 | [Zoho Invoice](https://www.capterra.com/p/163114/Zoho-Invoice/) | 4.7 out of 5 (823 reviews) | 4.8 out of 5 (417 category reviews) | Highly rated for Value for Money | Contact vendor | Included: Billing Portal, Contact Database, Credit Card Processing, Customizable Invoices, Invoice Processing, Mobile Payments, Payment Processing, Tax Calculation; Not included: Quotes/Estimates | | 3 | [Abby](https://www.capterra.com/p/268623/Abby/) | 4.7 out of 5 (604 reviews) | 4.8 out of 5 (590 category reviews) | Highly rated for Ease of Setup | €0.01 Flat Rate, Per Month | Included: Billing Portal, Contact Database, Credit Card Processing, Customizable Invoices, Invoice Processing, Mobile Payments, Payment Processing, Quotes/Estimates, Tax Calculation | | 4 | [PayPal Invoicing](https://www.capterra.com/p/179253/PayPal-Invoicing/) | 4.7 out of 5 (596 reviews) | 4.7 out of 5 (291 category reviews) | Highly rated for Ease of Use | Contact vendor | Included: Billing Portal, Contact Database, Credit Card Processing, Customizable Invoices, Mobile Payments, Payment Processing, Quotes/Estimates, Tax Calculation; Not included: Invoice Processing | | 5 | [Jobber](https://www.capterra.com/p/127994/Jobber/) | 4.6 out of 5 (1,490 reviews) | 4.7 out of 5 (549 category reviews) | Highly rated for Ease of Use | $39.00 Flat Rate, Per Month | Included: Billing Portal, Contact Database, Credit Card Processing, Customizable Invoices, Invoice Processing, Mobile Payments, Payment Processing, Quotes/Estimates; Not included: Tax Calculation | | 6 | [PayPal Payments](https://www.capterra.com/p/207944/PayPal/) | 4.6 out of 5 (26,830 reviews) | 4.6 out of 5 (1,920 category reviews) | Highly rated for Ease of Use | $0.09 Other | Included: Billing Portal, Contact Database, Credit Card Processing, Customizable Invoices, Invoice Processing, Mobile Payments, Payment Processing; Not included: Quotes/Estimates, Tax Calculation | | 7 | [Clio](https://www.capterra.com/p/105428/Clio/) | 4.7 out of 5 (1,752 reviews) | 4.6 out of 5 (336 category reviews) | Highly rated for Ease of Use | $49.00 Per User, Per Month | Included: Billing Portal, Contact Database, Credit Card Processing, Customizable Invoices, Invoice Processing, Mobile Payments, Payment Processing, Quotes/Estimates, Tax Calculation | | 8 | [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) | 4.6 out of 5 (3,045 reviews) | 4.6 out of 5 (339 category reviews) | Highly rated for Ease of Use | $49.00 Other, Per Month | Included: Contact Database, Credit Card Processing, Customizable Invoices, Invoice Processing, Mobile Payments, Payment Processing, Quotes/Estimates, Tax Calculation; Not included: Billing Portal | | 9 | [Xero](https://www.capterra.com/p/120109/Xero/) | 4.4 out of 5 (3,341 reviews) | 4.6 out of 5 (637 category reviews) | Highly rated for Ease of Use | $25.00 Flat Rate, Per Month | Included: Billing Portal, Contact Database, Credit Card Processing, Customizable Invoices, Invoice Processing, Mobile Payments, Payment Processing, Quotes/Estimates, Tax Calculation | | 10 | [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) | 4.5 out of 5 (20,699 reviews) | 4.5 out of 5 (902 category reviews) | Highly rated for Ease of Setup | $2210.00 Flat Rate, Per Year | Included: Billing Portal, Contact Database, Credit Card Processing, Customizable Invoices, Mobile Payments, Payment Processing, Quotes/Estimates, Tax Calculation; Not included: Invoice Processing | Category rating: Rating from reviewers who used each product as Billing and Invoicing software, with the number of those reviews. Products are ranked by this rating, adjusted for how many reviews support it. For the complete directory, see [the full product list](#full-product-list). --- ## See top 10 product details ### 1. [Refrens](https://www.capterra.com/p/204191/Refrens/) Overall rating: 4.9 out of 5 (292 reviews) Category rating: 4.9 out of 5 (281 category reviews) Key attribute: Highly rated for Ease of Use Starting price: $220.00 Per Year Free trial: Available Free version: Available #### Features reviewers most value - Billing Portal: Included - Contact Database: Included - Credit Card Processing: Included - Customizable Invoices: Included - Invoice Processing: Included - Mobile Payments: Included - Payment Processing: Included - Quotes/Estimates: Included - Tax Calculation: Included --- ### 2. [Zoho Invoice](https://www.capterra.com/p/163114/Zoho-Invoice/) Overall rating: 4.7 out of 5 (823 reviews) Category rating: 4.8 out of 5 (417 category reviews) Key attribute: Highly rated for Value for Money Starting price: Contact vendor Free trial: Available Free version: Available #### Features reviewers most value - Billing Portal: Included - Contact Database: Included - Credit Card Processing: Included - Customizable Invoices: Included - Invoice Processing: Included - Mobile Payments: Included - Payment Processing: Included - Quotes/Estimates: Not included - Tax Calculation: Included #### Pros based on reviews - Beginner-friendly invoicing platform - Tailored for small businesses #### Cons based on reviews - Complex settings and navigation - Limited email customization options --- ### 3. [Abby](https://www.capterra.com/p/268623/Abby/) Overall rating: 4.7 out of 5 (604 reviews) Category rating: 4.8 out of 5 (590 category reviews) Key attribute: Highly rated for Ease of Setup Starting price: €0.01 Flat Rate, Per Month Free trial: Available Free version: Available #### Features reviewers most value - Billing Portal: Included - Contact Database: Included - Credit Card Processing: Included - Customizable Invoices: Included - Invoice Processing: Included - Mobile Payments: Included - Payment Processing: Included - Quotes/Estimates: Included - Tax Calculation: Included #### Pros based on reviews - Intuitive and ergonomic design - Supportive for entrepreneurs #### Cons based on reviews - Frequent bugs and instability --- ### 4. [PayPal Invoicing](https://www.capterra.com/p/179253/PayPal-Invoicing/) Overall rating: 4.7 out of 5 (596 reviews) Category rating: 4.7 out of 5 (291 category reviews) Key attribute: Highly rated for Ease of Use Starting price: Contact vendor Free trial: Not available Free version: Available #### Features reviewers most value - Billing Portal: Included - Contact Database: Included - Credit Card Processing: Included - Customizable Invoices: Included - Invoice Processing: Not included - Mobile Payments: Included - Payment Processing: Included - Quotes/Estimates: Included - Tax Calculation: Included #### Pros based on reviews - Flexible and customizable invoicing - Intuitive and beginner-friendly interface #### Cons based on reviews - Slow and unhelpful customer service - High transaction and service fees --- ### 5. [Jobber](https://www.capterra.com/p/127994/Jobber/) Overall rating: 4.6 out of 5 (1,490 reviews) Category rating: 4.7 out of 5 (549 category reviews) Key attribute: Highly rated for Ease of Use Starting price: $39.00 Flat Rate, Per Month Free trial: Available Free version: Not available #### Features reviewers most value - Billing Portal: Included - Contact Database: Included - Credit Card Processing: Included - Customizable Invoices: Included - Invoice Processing: Included - Mobile Payments: Included - Payment Processing: Included - Quotes/Estimates: Included - Tax Calculation: Not included #### Pros based on reviews - Integrated scheduling and billing tools - Centralized business organization #### Cons based on reviews - Frequent technical glitches - Limited and inflexible reporting --- ### 6. [PayPal Payments](https://www.capterra.com/p/207944/PayPal/) Overall rating: 4.6 out of 5 (26,830 reviews) Category rating: 4.6 out of 5 (1,920 category reviews) Key attribute: Highly rated for Ease of Use Starting price: $0.09 Other Free trial: Not available Free version: Available #### Features reviewers most value - Billing Portal: Included - Contact Database: Included - Credit Card Processing: Included - Customizable Invoices: Included - Invoice Processing: Included - Mobile Payments: Included - Payment Processing: Included - Quotes/Estimates: Not included - Tax Calculation: Not included #### Pros based on reviews - Intuitive and accessible interface - Secure online payment experience #### Cons based on reviews - High and confusing fee structure - Inconsistent fraud resolution process --- ### 7. [Clio](https://www.capterra.com/p/105428/Clio/) Overall rating: 4.7 out of 5 (1,752 reviews) Category rating: 4.6 out of 5 (336 category reviews) Key attribute: Highly rated for Ease of Use Starting price: $49.00 Per User, Per Month Free trial: Available Free version: Not available #### Features reviewers most value - Billing Portal: Included - Contact Database: Included - Credit Card Processing: Included - Customizable Invoices: Included - Invoice Processing: Included - Mobile Payments: Included - Payment Processing: Included - Quotes/Estimates: Included - Tax Calculation: Included #### Pros based on reviews - Comprehensive legal practice management - Seamless mobile practice access #### Cons based on reviews - Recurring technical glitches - Limited and inflexible reporting --- ### 8. [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/) Overall rating: 4.6 out of 5 (3,045 reviews) Category rating: 4.6 out of 5 (339 category reviews) Key attribute: Highly rated for Ease of Use Starting price: $49.00 Other, Per Month Free trial: Available Free version: Available #### Features reviewers most value - Billing Portal: Not included - Contact Database: Included - Credit Card Processing: Included - Customizable Invoices: Included - Invoice Processing: Included - Mobile Payments: Included - Payment Processing: Included - Quotes/Estimates: Included - Tax Calculation: Included #### Pros based on reviews - Streamlined operations and setup - Flexible POS for small businesses #### Cons based on reviews - Frequent glitches and limited support - Reliance on stable connectivity --- ### 9. [Xero](https://www.capterra.com/p/120109/Xero/) Overall rating: 4.4 out of 5 (3,341 reviews) Category rating: 4.6 out of 5 (637 category reviews) Key attribute: Highly rated for Ease of Use Starting price: $25.00 Flat Rate, Per Month Free trial: Available Free version: Not available #### Features reviewers most value - Billing Portal: Included - Contact Database: Included - Credit Card Processing: Included - Customizable Invoices: Included - Invoice Processing: Included - Mobile Payments: Included - Payment Processing: Included - Quotes/Estimates: Included - Tax Calculation: Included #### Pros based on reviews - Accessible and intuitive platform - Comprehensive financial oversight tools #### Cons based on reviews - Recurring software glitches - Slow and inconvenient email support --- ### 10. [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/) Overall rating: 4.5 out of 5 (20,699 reviews) Category rating: 4.5 out of 5 (902 category reviews) Key attribute: Highly rated for Ease of Setup Starting price: $2210.00 Flat Rate, Per Year Free trial: Available Free version: Not available #### Features reviewers most value - Billing Portal: Included - Contact Database: Included - Credit Card Processing: Included - Customizable Invoices: Included - Invoice Processing: Not included - Mobile Payments: Included - Payment Processing: Included - Quotes/Estimates: Included - Tax Calculation: Included #### Pros based on reviews - Accessible setup and onboarding - Robust expense tracking features #### Cons based on reviews - Inconsistent and slow customer support - Frequent technical problems and glitches --- ## All billing and invoicing software for small businesses [4.2 (2086)](https://www.capterra.com/p/135757/NetSuite/reviews/) [Capterra Shortlist](https://www.capterra.com/billing-and-invoicing-software/#shortlist) NetSuite is the AI-powered cloud ERP that unifies financials and operations to help businesses grow and scale.  [Learn more about NetSuite](https://www.capterra.com/p/135757/NetSuite/) Billing and Invoicing features reviewers most value Billing Portal Contact Database Credit Card Processing Customizable Invoices Invoice Processing Mobile Payments Payment Processing Quotes/Estimates Tax Calculation [4.4 (137)](https://www.capterra.com/p/133966/Accounting-Seed/reviews/) Bring billing, invoicing, and payments into one place with Accounting Seed—built on Salesforce to connect financial and customer data. [Learn more about Accounting Seed](https://www.capterra.com/p/133966/Accounting-Seed/) Billing and Invoicing features reviewers most value Billing Portal Contact Database Credit Card Processing Customizable Invoices Invoice Processing Mobile Payments Payment Processing Quotes/Estimates Tax Calculation [4.7 (54)](https://www.capterra.com/p/127462/MuniBilling/reviews/) Cloud based utility billing software for municipalities and private companies boasting streamlined workflows and flexible integrations. [Learn more about MuniBilling](https://www.capterra.com/p/127462/MuniBilling/) Billing and Invoicing features reviewers most value Billing Portal Contact Database Credit Card Processing Customizable Invoices Invoice Processing Mobile Payments Payment Processing Quotes/Estimates Tax Calculation Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. [4.9 (4886)](https://www.capterra.com/p/172127/Rippling/reviews/) The AI platform that manages HR, IT, and Finance, giving Rippling AI the data and permissions it needs to help manage your company. [Learn more about Rippling](https://www.capterra.com/p/172127/Rippling/) Billing and Invoicing features reviewers most value Billing Portal Contact Database Credit Card Processing Customizable Invoices Invoice Processing Mobile Payments Payment Processing Quotes/Estimates Tax Calculation 95% recommend this product 0.0 (0) Tabs is a revenue automation platform that streamlines the contract-to-cash process for B2B companies using AI technology. [Learn more about Tabs](https://www.capterra.com/p/10033716/Tabs/) Billing and Invoicing features reviewers most value Billing Portal Contact Database Credit Card Processing Customizable Invoices Invoice Processing Mobile Payments Payment Processing Quotes/Estimates Tax Calculation [4.4 (3341)](https://www.capterra.com/p/120109/Xero/reviews/) [Capterra Shortlist](https://www.capterra.com/billing-and-invoicing-software/#shortlist) Xero is an online accounting software with billing and invoicing solutions for small businesses and accountants in any industry.  [Learn more about Xero](https://www.capterra.com/p/120109/Xero/) Billing and Invoicing features reviewers most value Billing Portal Contact Database Credit Card Processing Customizable Invoices Invoice Processing Mobile Payments Payment Processing Quotes/Estimates Tax Calculation [4.5 (104)](https://www.capterra.com/p/187835/Soluno/reviews/) Actionstep Legal Accounting is designed for how midsize law firms need to bill. Customized billing workflows, ebilling, and more. [Learn more about Actionstep Legal Accounting](https://www.capterra.com/p/187835/Soluno/) Billing and Invoicing features reviewers most value Billing Portal Contact Database Credit Card Processing Customizable Invoices Invoice Processing Mobile Payments Payment Processing Quotes/Estimates Tax Calculation 81% recommend this product [4.6 (118)](https://www.capterra.com/p/76730/TimeSolv/reviews/) Cloud-based legal time tracking and billing software that helps law firms, lawyers, consultants, accountants, and other professionals. [Learn more about TimeSolv](https://www.capterra.com/p/76730/TimeSolv/) Billing and Invoicing features reviewers most value Billing Portal Contact Database Credit Card Processing Customizable Invoices Invoice Processing Mobile Payments Payment Processing Quotes/Estimates Tax Calculation [5.0 (27)](https://www.capterra.com/p/116609/Trash-Flow/reviews/) Trash Billing is Trash Flows automated payment processing system that makes CRM, autopay, invoicing and more simple and fast! [Learn more about Trash Flow](https://www.capterra.com/p/116609/Trash-Flow/) Billing and Invoicing features reviewers most value Billing Portal Contact Database Credit Card Processing Customizable Invoices Invoice Processing Mobile Payments Payment Processing Quotes/Estimates Tax Calculation [4.8 (6)](https://www.capterra.com/p/10000278/Bill360/#reviews) Get paid an average of 36% faster than your current AR process with Bill360, electronic invoicing & automation built for B2B companies. [Learn more about Bill360](https://www.capterra.com/p/10000278/Bill360/) Billing and Invoicing features reviewers most value Billing Portal Contact Database Credit Card Processing Customizable Invoices Invoice Processing Mobile Payments Payment Processing Quotes/Estimates Tax Calculation ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Filter (1241) Products: Sort By: Featured Partners * * * Plan Type Free Trial Popular 85% of professionals opt for a 30-day trial before the software purchase Other subsciption plans: Free Version Monthly Subscription Annual Subscription One-Time License Key Features All key features Popular We have selected the most important and critical features as defined by Capterra user reviews AI Copilot Billing Portal Contact Database Contingency Billing Credit Card Processing Customizable Invoices Document Management Generative AI Hourly Billing Invoice Processing Mobile Payments Multi-Currency Payment Processing Project Billing Quotes/Estimates Reminders Reporting & Statistics Tax Calculation Third-Party Integrations Time & Expense Tracking Deployment Cloud, SaaS, Web-Based Desktop Mac Desktop Windows Desktop Linux On-Premise Windows On-Premise Linux Desktop Chromebook Mobile Android Mobile iPhone Mobile iPad Related Software Category: [Debt Collection Software](https://www.capterra.com/debt-collection-software/)[Subscription Management Software](https://www.capterra.com/subscription-management-software/)[Recurring Billing Software](https://www.capterra.com/recurring-billing-software/)[Utility Billing Software](https://www.capterra.com/utility-billing-software/)[Revenue Management Software](https://www.capterra.com/revenue-management-software/) I'm looking for Billing and Invoicing Software that is: [Free](https://www.capterra.com/billing-and-invoicing-software/s/free/) How to choose the right Billing and Invoicing Software? 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