Independent buying table

Compare the fee.
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RESEARCH CHECKED29.08.26

Prices and programs can change. Every review links to a primary provider source.

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Filter by the job you need done. Shortlist two products, model the relevant fees, then confirm the current terms with each provider.

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01
SQ
Best all-rounder

Square

Australian product or localisation

A practical all-in-one choice for businesses that invoice customers and also take payments face to face.

Published starting point2.2% online and invoice payments$0 for core invoicing
Best for

Tradies, mobile services, appointments and retailers wanting one payments system

Think twice if

Businesses focused only on the lowest online invoice-processing rate

02
ZE
Best Australian payments suite

Zeller

Australian product or localisation

Australian invoicing, payment links, EFTPOS and business accounts with competitive domestic-card pricing.

Published starting point1.7% + $0.25 domestic invoice payments$0 for invoices and payment links
Best for

Australian service and retail businesses combining invoices, payment links and EFTPOS

Think twice if

Very small average invoice values where the fixed fee has a larger effect

03
AW
Best for international payments

Airwallex

Payment collection add-on

Payment links and multi-currency infrastructure for businesses selling across borders.

Published starting pointFrom 1.65% + $0.30 domestic cardsAccount conditions may apply
Best for

Online and service businesses receiving domestic and international payments

Think twice if

Businesses wanting only a very simple local invoicing app

04
XE
Best accounting ecosystem

Xero

Australian product or localisation

Full accounting, GST, bank reconciliation and invoicing in one widely supported platform.

Published starting pointPayment fee depends on connected providerFrom $37/month regular Ignite price
Best for

Businesses wanting invoicing, bookkeeping, GST and reconciliation together

Think twice if

Someone seeking only a free standalone invoice sender

05
QB
Best accounting alternative

QuickBooks

Australian product or localisation

Connected accounting and online invoicing with a strong small-business feature set.

Published starting pointPayment fees vary by connected serviceIntroductory offers available
Best for

Small businesses comparing complete cloud-accounting platforms

Think twice if

Businesses that only need occasional free invoices

06
ZO
Best free invoice software

Zoho Invoice

Australian product or localisation

A genuinely free invoicing product with reminders, recurring invoices and a customer portal.

Published starting pointSoftware free; gateway fees apply$0
Best for

Freelancers and small service businesses wanting capable free invoicing

Think twice if

Businesses requiring full Australian payroll and accounting in the same product

07
FB
Best for time-based services

FreshBooks

Configurable for Australian billing

Invoicing, time tracking, expenses and client workflows aimed at service businesses.

Published starting pointPlan and payment charges varySubscription plans
Best for

Consultants and service businesses billing time, projects and expenses

Think twice if

Businesses prioritising Australian payroll and local accounting integrations

08
GC
Best for recurring bank payments

GoCardless

Payment collection add-on

Direct Debit and bank-payment collection for recurring and one-off invoices.

Published starting point1% + $0.40 domestic, capped at $4Pay as you go on Standard
Best for

Memberships, retainers and businesses collecting repeat invoice payments

Think twice if

Face-to-face retail or customers needing instant card checkout

09
SG
Best for growing complexity

Sage

Australian product or localisation

Accounting, invoicing and financial-management products aimed at growing and medium businesses.

Published starting pointPricing varies by Sage productProduct and quote dependent
Best for

Growing businesses with more complex accounting and reporting needs

Think twice if

A sole trader seeking the fastest free invoice setup

10
MY
Best established Australian option

MYOB

Australian product or localisation

Australian accounting, GST, payroll and invoicing products with a familiar local adviser ecosystem.

Published starting pointAccounting plans with invoicingPlan-dependent subscription
Best for

Australian businesses wanting invoicing, accounting, GST and payroll together

Think twice if

Freelancers seeking only the simplest free invoice sender

11
OD
Best modular business suite

Odoo

Australian product or localisation

Invoicing and accounting connected to CRM, projects, inventory and other operating tools.

Published starting pointModular pricingPlan and app selection dependent
Best for

Growing businesses wanting invoicing connected to wider operations

Think twice if

Someone wanting a zero-configuration invoice tool

12
S8
Best for field-service jobs

ServiceM8

Australian product or localisation

Australian job management, quoting, scheduling and invoicing for tradies and field-service teams.

Published starting pointJob-management subscriptionAustralian plans available
Best for

Tradies and service teams that quote, schedule and invoice on site

Think twice if

Retailers or businesses that do not manage field jobs

13
IB
Best focused global invoice tool

InvoiceBerry

Configurable for Australian billing

Straightforward online invoices, expenses and payment tracking with broad currency support.

Published starting pointSubscription-based invoicingFree and paid plans
Best for

Freelancers and very small businesses wanting uncomplicated online invoicing

Think twice if

Businesses requiring Australian payroll, BAS preparation or deep local integrations

14
IR
Best for configurable billing

Invoicera

Configurable for Australian billing

Customisable invoicing, recurring billing and multi-currency workflows for service businesses.

Published starting pointPlan-dependent subscriptionFree and paid plans
Best for

Service businesses needing recurring or multi-currency billing workflows

Think twice if

Businesses wanting Australian payroll and BAS inside the same product

15
PM
Best time-to-invoice workflow

Paymo

Configurable for Australian billing

Project management and time tracking that turns billable work into client invoices.

Published starting pointPer-user subscriptionFree and paid plans
Best for

Small agencies and consultants billing tracked time or project work

Think twice if

Businesses wanting an Australia-first bookkeeping and payroll system

16
BO
Best client workflow for freelancers

Bonsai

Configurable for Australian billing

Proposals, contracts, time, projects and invoices in one service-business workspace.

Published starting pointWorkflow suite subscriptionSubscription plans
Best for

Freelancers, consultants and agencies managing the full client lifecycle

Think twice if

Businesses needing Australian payroll or native BAS preparation

17
PL
Best all-in-one freelance workspace

Plutio

Configurable for Australian billing

Client portal, proposals, projects and flexible invoices for freelancers and small agencies.

Published starting pointAll-in-one workspace pricingSubscription plans
Best for

Freelancers and small agencies consolidating client work and billing

Think twice if

Businesses seeking a native Australian accounting ledger

18
IN
Best flexible or self-hosted option

Invoice Ninja

Configurable for Australian billing

Cloud and open-source invoicing with quotes, recurring billing and multiple payment gateways.

Published starting pointCloud or self-hosted invoicingFree and paid options
Best for

Technical freelancers and small businesses wanting flexible invoicing

Think twice if

Anyone wanting hands-off Australian payroll and BAS workflows

19
AK
Best newer agency workspace

AgencyKit

Configurable for Australian billing

Client operations, retainers, time and invoices for freelancers and small agencies.

Published starting pointAgency workspace subscriptionSubscription plans
Best for

Small agencies testing a consolidated client-operations platform

Think twice if

Businesses that need a mature Australian accounting ecosystem

i

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