PayPal Invoicing vs Stripe Invoicing: which should you actually choose?

Free for PayPal Invoicing, versus Free for Stripe Invoicing. See the pricing table above for the full tier breakdown — the cheapest entry price isn't always the cheapest at the plan you'd actually need.

Anyone sending occasional invoices who wants zero setup and instant online payment. Meanwhile, Stripe Invoicing: Businesses already processing payments through Stripe. Check "Where each wins" above for the specific reasoning.

Most accounting/invoicing tools support exporting your data (clients, invoices, transactions) to CSV, and many accountants can help migrate the books. It's rarely instant or free of friction, though — factor in migration effort when the choice is close, not just the monthly price.

PayPal Invoicing: Free to send — no subscription. Fees apply only when an invoice is paid: ~2.99% + $0.49 for card payments, ~1.99% + $0.49 for PayPal Checkout/Venmo (US rates), plus 1.5% for international transactions. Stripe Invoicing: No monthly fee on either tier — you only pay the 0.4-0.5% invoicing fee (capped at $2/invoice on Plus) when an invoice is paid, on top of standard Stripe Payments processing fees (~2.9% + $0.30 for cards).

PayPal Invoicing: Available anywhere PayPal Business operates; fees and supported payment methods vary by country — VERIFY country-specific fee schedule. Stripe Invoicing: Available in all Stripe-supported countries; fees and payout timing vary by region — VERIFY country-specific fee schedule.

Worth a look: QuickBooks Online — The default choice for US small businesses that want their accountant to already know the software — shop the exact plan tier carefully, since it's rarely the cheapest option. Or start with our free tools below and upgrade only once you actually outgrow them.