Online billing and invoicing software operates entirely within an Internet browser and often comes with additional features such as time tracking, the ability to prepare and send estimates and invoices and to accept online payments. They require subscriptions.

Online billing and invoicing software provides an overview of invoices that have been issued and paid, and some financial reporting. Some software includes accounting features while others may have apps available that import data into accounting software.

Top 10 Best Rated Online Billing, founded in 2015, allows users to create invoices, capture expenses, keep track of their time, credit card processing and money transfers. The company prides themselves on their easy to use tools.
QuickBooks Online, created by Intuit, makes functions of the popular accounting software QuickBooks available on the Internet. The company, headquartered in Mountain View, CA, offers customers a wide range of accounting services.
FreshBooks is online accounting software that was created in 2003. Today, FreshBooks serves businesses and customers in more than 120 countries.
Invoicera created a cloud-based invoicing application to help suppliers and vendors connect seamlessly. The program is used by more than 2 million customers.
Hiveage, originally knows as Curdbee, was founded in 2006. The company offers an online invoicing solution that is tailored specifically to the needs of small business owners.
Created in 2001, Billing Orchard is a cloud-based, automated accounts receivable department. The product drives increased cash flow by streamlining the process of receiving and processing payments.
Invoiceable is free invoicing software that allows users to automate invoice creation and payments. The company is based in London and was founded in 2015.
Zoho Invoice's parent company, AdventNet, was founded in 1996 as a network management company. Today, Zoho Invoice offers a suite of business apps that allows customers to send invoices and track and accept payments online.

Shelley Elmblad is a freelance writer with years of experience covering small business, personal finance and tax software and mobile apps. Shelley’s goal is to help others choose the best software to run a small business, track personal finances and save money.

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What features matter most?

Online invoicing

Subscription plans are for a given number of invoices, so be sure the subscription you select includes enough invoices each month. You can upgrade to a plan with more invoices later if you need to. Other features you may want to look for are the ability to customize invoices and add your company logo, a dashboard that gives a quick overview of billing and payments, recurring or automatic scheduled billing, expense tracking and multiple currency support.

  • Business size: A one-person shop with only a handful of customers can save money by using an online billing subscription that offers just a few invoices each for a very low cost or even for free.
  • Scheduling: If you want to batch-process invoices and hold them to send out on a specific date, automatic billing is a helpful feature.
  • Automation: Those who have clients on a payment plan can use recurring billing to set up future billings quickly and the invoices will be delivered on the date specified.


All legitimate online billing and invoicing software uses bank-level security. However, it's up to you to investigate what security measures are in place with the service you're interested in to protect your data, including your customer information. You can find this information somewhere on the software service web page, usually under the privacy policy or in the help section. If you can't find this information, contact support to get specifics. All online billing software mentioned here has this security.

  • Bank level: The service should be using bank-level security, which is the highest level of security used to protect electronic data and involves strong firewalls.
  • Encryption: Data needs to be encrypted, which makes it impossible for hackers to read.
  • Redundancy: The file servers that house data should be located in two different geographic locations and the data should be mirrored so if one data center has problems due to storms or other issues, you can carry on with your business.

Payment processing

Online billing and invoicing software processes payments from customers online using payment gateways that securely encrypt bank or credit card information. Customers can pay by check, but gateway payments are faster, more secure and don't get lost in the mail.

  • Top gateways: Popular gateways are PayPal,, Google Checkout and Sage Pay, among others.
  • Choices: There are online billing software services that offer many gateways, which gives you choices if you have international customers and could save money by offering a service with no monthly fee.
  • Cost: Watch the pricing on gateways, which typically charge a percentage of sales. Some gateways charge a small percentage or flat fee per payment, and others add a monthly fee to these charges. You may be able to get by with just a PayPal and Google Checkout account since these services are very popular and give the clients multiple methods of payment for individual transactions, like using a credit card or drawing directly from a bank account.

Ease of use

While all of the online billing and invoicing software listed here is easy to use, each has a slightly different way of taking you through tasks. Some will be more intuitive for you personally. You can try any of the software for free to get an idea of how it works.

  • Navigation: Is finding features on the dashboard, a toolbar or other navigation area on the screen natural for you, or do you have to hunt and click around to find a feature you want to use?
  • Data entry: Is entering customer data and creating invoices easy, or do you find that it takes a lot of clicks and scrolling?
  • Export data: If you've been using other billing or accounting software and you want to track past sales and payments, does the online billing software import your numbers so you’re not working with two systems?


When the software is scalable, it can grow with your business by accommodating more clients, invoices and features.

  • Growth: Your business is growing and you need to be able to send out more invoices each month, yet you don’t want to pay the price for an unlimited invoicing package. Does the software have intermediate, cost effective subscriptions that make sense for your business growth plan?
  • Add-ons: If you plan to grow your business to include inventory or to the point that you will need more detailed financial reporting, are there add-ons available to add functions to the software you’re interested in?
  • e-Commerce: Does your company do e-commerce, or will it in the future? Be sure that the software you select has an e-commerce module that is PCI compliant to ensure that both customer payment data and your sales data are secure.

Help and support

All online billing software in this guide provides one or more ways to get help should you need it. However, direct support via chat or phone is not offered in most cases because the software because is so easy to use and includes online videos and written tutorials that guide you through each feature.

  • Email: Some software only provides support via email. If you have a question, are you willing to wait from 30 minutes to 24 hours to get a response if you need help?
  • Online help: Most online billing software provides help through an online forum or FAQ where you will probably find an answer to your question. If you don’t find what you need, an online form is provided for you to send a communication to the support technicians.
  • Direct help: If you don’t want to wait to have questions answered, look for software with chat or phone support. However, you will probably a higher subscription rate for this.

What are different types of subscription levels?


Free subscriptions can be found but they often include a limited number of invoices. Other free subscriptions may provide enough invoices, but may place their branding somewhere on your invoices or limit the features you can use.


This is the lowest cost level of paid subscriptions with access to the software for one user. What is offered can vary widely from one online billing and invoicing software to another. You may get a low number of invoices each month or features may be limited, however, there are options at this level with adequate features and a high number of invoices.


The intermediate level will cost more and often allows for multiple users to access the software. Some add features at this level like recurring invoices, more invoice customization or more advanced customer management. Some software skips this level and only offers basic and unlimited levels.


This higher cost option gives you unlimited invoices and estimates and access to all features available in the software, such as an inventory module. Some software adds an unlimited number of users, multiple currency support or additional companies that can be managed under the same account.

Who's it for?

Self-employed & Independent contractors

These individuals conduct their own business by selling a product or service. Some of these businesses are run out of a home office. If a product is sold, these businesses typically don’t keep an inventory, but ship orders directly from the manufacturer or distributor.


Agencies provide a service on behalf of another business. An example would be a web design firm that creates an e-commerce website for a business that sells to individuals or other businesses. Agencies typically work with a number of projects and bill customers based on blocks of time spent on the project. Tracking billable hours is very important to an agency.

Mobile professional

A mobile professional travels frequently to see customers, suppliers and others. Mobile professionals travel many miles via air or by car. An example would be a real estate agent, regional or national salesperson or a computer repair professional with many customers.

Small business with inventory

A small business with an inventory may keep products or raw materials stocked and ready to sell or use in the home, an outbuilding or a small warehouse. Some examples are cosmetics and health supply consultants, motorcycle repair person or an artist works with textiles to create art for resale or commissioned art.

What do the experts have to say?

  • online invoicing and billing software offers easy-to-use tools for creating invoices and basic project tracking. The Dashboard provides a quick overview of outstanding invoices and overdue tasks. is currently only available online with an iPhone app in the works. There has been no mention of an Android app. integrates with PayPal and Basecamp and invoices in multiple currencies. is priced correctly, with three fully-featured versions and a free version: $3 per month for one user, $25 per year for two users and $250 annually for unlimited users. Each paid version offers unlimited project, clients, tasks and invoices. The free version is enough to try some of the main features, but it only supports five clients and two invoices. Also, you cannot send quotes, run reports, create recurring invoices or use PayPal.

    • Best for Self-employed and small independent contractors.
  • FreshBooks

    FreshBooks boasts 5 million users across 120 countries. Features include accounting software, time tracking, iOS and Android mobile apps, and add-ons for project management, integration with other accounting software, customer relations management and more. Free 30 day trial, monthly subscriptions are $19.95 for 25 clients, $29.95 for unlimited clients and five users, or $39.95 to add unlimited users.

    • Best for Agencies, mobile professionals and small business with inventory.
  • Invoicera

    Invoicera offers a lot of extras beyond online billing and invoicing, like purchase orders, estimates, time tracking and inventory management. iPhone app has limited features and an Android app is still being tested. Issue unlimited invoices at all subscription levels, which cost $19.95 per month for 100 clients with some limits on features, $39.95 for unlimited clients and expanded features or $99.95 for unlimited features. 30-day free trial.

    • Best for Agencies, self-employed and independent contractors.
  • BillGrid

    BillGrid's slogan is "Easy Bill Easy Go", and this online billing and invoicing software offers a clean look that’s complemented by pops of color. Creating an invoice or estimate is very easy with drop down boxes and checkboxes for selecting options.  After a 30-day free trial, the monthly subscription is $8 for unlimited invoices and estimates, time tracking and customer management, customizable invoices with a logo and much more. $20 per month adds access for multiple company names and logos, managed under one account. Additional users can be added for $5 per month.

    • Dashboard: Well designed dashboard with links to invoicing and time keeping tasks, a daily, weekly and monthly revenue overview and reporting for overdue, outstanding and paid invoices.
    • Reminders: Automatic late payment reminders via email.
    • Cost: BillGrid offers many features with no limits for a really low monthly cost.
    • Mobile/Future plans: No mobile apps, although customers can pay invoices on their smart phone and BillGrid can be used via a web browser on tablets. Mobile apps are in future plans.
    • Gateways: Accepts online payments from PayPal, Google Wallet, Stripe and
    • Best for Self-employed, independent contractors and agencies.

  • QuickBooks Online Simple Start

    QuickBooks Online is developed by Intuit, a long time leader in accounting software for small- to mid-sized businesses and tax software.  At $12.95 per month, the Simple Start version is a low cost way to send invoices and have access to a good set of small business accounting features. If a business eventually needs more features, it’s easy to upgrade to higher versions of QuickBooks for  $26.95 to $39.95 per month, and $39 per month for payroll services. There’s a 30-day free trial with iOS, Android and Blackberry apps.

    • Best for Self Employed, independent contractors and mobile professionals.
  • Hiveage (formerly known as CurdBee)

    Hiveage, formerly known as CurdBee, is a basic online billing software from a web development company based in Sri Lanka with an office in the United States. Hiveage offers an online demo and a “forever free” version with unlimited invoices so you can try it out before signing up for a $5 per month to remove Hiveage branding, bill taxes, shipping and discounts and more, or $20 to use recurring billing, track time and expenses, send unlimited estimates and more.

    • Best for Self-employed, independent contractors and agencies.
  • BillingOrchard

    BillingOrchard was designed by a web development firm that couldn't find the right online billing and invoicing software, so they created their own. BillingOrchard was developed with small to medium sized businesses in mind, and was overhauled early in 2013 with a new design that's easier to navigate. There’s a free 15-day trial with two subscription levels $19.95 per month includes all features and 4,999 transactions, and $69.95 for over 5,000 transactions.

    • Best for Self-employed, independent contractors and agencies.
  • Xero

    Xero online invoicing and accounting software has offices in the United States, United Kingdom, Australia and New Zealand. The dashboard in Xero shows real-time cash flow as customers are billed and payments are received. After a free 30-day trial, subscriptions run from $19 per month to issue five invoices and record five bills to $29 per month for unlimited invoices and bills. International businesses can add multiple currency support for $39 per month.

    • Training: Comprehensive free online training videos.
    • Mobile: Xero Touch iPhone and Android app is well developed with many helpful tools, including expense submission.
    • Fully featured: Full accounting software with payroll, inventory and bill payments features.
    • Cost: Basic subscription is high priced for a very low number of invoices.
    • Features: Need accounting software? Xero is for you.
    • Best for Mobile professionals, agencies and small business with inventory.

  • Invoiceable

    Invoiceable is simple online billing and invoicing software developed by a team in London that offers all features for free. Each invoice created has a small “Powered by Invoiceable” link at the bottom, which can be for a one-time fee of 49 British Pounds (about $80 U.S.). Invoiceable creates estimates and invoices, can be used with a number of currencies and supports payments via PayPal.

    • Best for Self-employed and independent contractors.
  • Zoho Invoice

    Zoho is a robust suite of online small business apps, including Zoho Invoice. If more than one person in the company needs to do invoicing, adding users is inexpensive. Monthly subscriptions are free for five customers and one user, $15 per month for up to 500 customers and three users, $30 per month for unlimited users and customers. iPhone and Android mobile apps are available, and Zoho Invoice is multi-lingual with a multiple currency option.

    • Best for Self-employed, independent contractors and mobile professionals.
  • Harvest

    Harvest online billing and invoicing software includes time tracking and is designed for small businesses that provide professional services. There are a number of add-ons that allow exchange of information to and from other digital services like Google Apps, Basecamp, QuickBooks and Asana, and iPhone and Android apps log time and capture expenses. After 30-day free trial, monthly subscription is $12 for one user ($10 each to add two more), $49 for up to 10 users and $99 for unlimited users.

    • Best for Agencies, self-employed and independent contractors.
  • Invoiceberry

    Invoiceberry online billing software offers a full range of invoicing features with support for over 200 currencies and multiple languages, quote creation and expense tracking. While Invoiceberry doesn't have add-ons like project management or inventory management, it does offer an effective and easy-to-use online invoicing solution. Invoiceberry can be set up for U.S., UK and European businesses.

    Invoiceberry has three subscription levels, each include unlimited invoices. The Forever Free option works for up to three customers and one user, the Solo plan supports 35 customers and two users for $15 per month, and the $30 Pro plan supports unlimited clients and users. All subscriptions give you a choice of invoice templates with your company's logo.

    • Simple layout: Invoiceberry has a very simple and uncluttered design. Navigation is done by clicking on a bar at the top of the screen to get to invoices, quotes, expenses, reports, dashboard, items, clients and settings. Creating a new invoice, expense item or quote is done by clicking the large blue button at the top of the page designated to those tasks. Invoices can also be created from the Dashboard.
    • Dashboard: When you log on to Invoiceberry, an uncluttered Dashboard presents recent activities performed in the software, a list of the latest invoices and a short performance reports for the latest three months with total billings, total receipts, expenses and the resulting cash flow amount. You’ll find a small link to the Help Center at the bottom of the page.
    • Support: The help center includes a Getting Started guide, guides for each feature and a good number of videos that show you how to use Invoiceberry. You can also search for specific information by tag or use the contact form to get in touch with tech support and customer service.
    • Fast setup: Setup your account with a business address and other details, select a date format, paper size, currency and language. Add items or services for sale to the items database, then add customers. Creating a quote or invoice takes about two minutes as the invoice fills information in automatically when you select a customer and items to bill. Invoice numbers and dates are generated automatically although you can override them to enter your own. Enter a discount and it's subtracted from the total. Add optional terms and conditions (you can set a default) and notes to customer and click save. Then print or email the invoice. Creating a quote is very easy, too, however the expense entry form does not flow as smoothly.
    • Templates: Invoice templates range from contemporary to classic looking. Business name and other details are positioned at the top of the invoice and a logo can be uploaded to use on the invoice and quote forms. Email templates are available for sending invoices, quotes, invoice reminders and payment received notices. Use the default messages or enter your own. Items like invoice number, company name or customer's first and last name can be set up to automatically populate the email message.
    • Best for Self-employed and independent contractors.

  • M-Tech Digital

    M-Tech Digital Web Invoice is online billing software that includes an appointment calendar, customer database, lead tracking for potential customers, invoice tracking and project management. Desktop PC software is available but the online Web Invoice offers more features at a lower cost, and is covered in this review. Web Invoice includes a POS (Point of Sale) service.

    Web Invoice online subscription pricing ranges from $10 per month for one user account and 100 customers on up to $40 per month for up to six users and unlimited customers. Each subscription includes unlimited invoices, credit card and PayPal payments and inventory management, among other features. There is also a free online subscription that covers five customers and one user, but only offers 20 invoices.

    • Navigation: While some aspects of Web Invoice look a bit dated, it’s definitely easy to get around in the software. Log on and the dashboard Home screen offers selections for customers and leads, invoices, appointments, basic project management, open, recurring, and in-progress invoices, estimates and more. Other options are listed above the dashboard for accessing inventory management, new invoices, POS system, and Start Here to instantly create new customers, invoices, appointments, purchase orders, projects, reminders and more.
    • Advanced features: M-Tech Digital includes a POS system that works with over 250 cash registers, inventory management and labor costs, help desk or service request tracking, service appointment scheduling and a shopping cart that customers can use to place orders online. Reminders can be automatically sent to customers can via phone, email or text message for late payments and upcoming appointments. Other features include barcode generation, and tracking expenses.
    • Customer portal: Customers can log in to a handy portal to see statements and orders, or to create and manage service requests and appointments with sales and service employees. Invoices can be paid in full or partially from the portal.
    • Support: Help is available by phone, email and via remote assistance. A PDF manual explains the basics of using Web Invoice, but not much more. Three of four video tutorials go into detail and are very useful. There is an online support forum, but it's populated with very old posts.
    • Apps: Apps for iPad, iPhone and Android are mentioned on the M-Tech Digital website, but are nowhere to be found in the iTunes or Google Play stores. Access on mobile devices is via browser, which works best on the larger display found on tablets.
    • Best for Self Employed, small business with inventory and independent contractors.

  • Invoiced

    Headquartered in Austin, Texas, Invoiced offers a complete billing system that streamlines the creation of invoices and makes payments quick and easy. Now serving more than 1,000 small businesses, consultants and contractors, Invoiced has grown from a simple invoice generator to a system that integrates all payments and tracking.

    • Custom solutions: Using a REST API, Invoiced allows users to build custom integrations and workflows, which enables intuitive use of the software and helps boost finance efficiency.
    • Invoice tracking: Sending a reminder notice to clients who never received a bill can cause professional embarrassment and friction, but with invoice tracking, senders can see what invoices were successfully received and when they were opened.
    • Hosted billing portal: Every invoice sent can link back to a hosted billing portal that allows for instant digital payments through a secure and encrypted platform; clients receive the invoice and click to pay.
    • Tiered pricing: Invoiced offers three different pricing tiers based on the volume of invoices sent each month, and those who pay annually get two months free.
    • Enterprise enabled: Enterprise support includes a scalable invoicing system, the ability to work with any payment processor, flexible API for CRM or ERP integration and customizable invoice templates.
    • Best for Self-employed, independent contractors and small businesses.

  • AccountingSuite

    AccountingSuite integrates accounting, order and inventory management into a single, cloud-based application designed specifically for use by entrepreneurs, startups and established businesses. The software enables businesses to access real-time financial reports, manage sales orders and customer service transactions, streamline purchasing processes, automate inventory control and track project progress. It is in compliance with U.S. Generally Accepted Accounting Principles (GAAP) and International Financial Reporting Standards (IFRS). It was also recognized as a high-quality SMB accounting software solution at the Sleeter Group's 2016 Awesome App Awards.

    • Inventory Management: Advanced inventory management provides hierarchical support for multiple locations and sub-locations, as well as categorization by attributes such as classes and projects.
    • Automation: AccountingSuite connects to more than 6,000 financial institutions and downloads transactions automatically, enabling businesses to spend less time entering transactions.
    • Time Tracking: Time tracking tools make it easy for employees and contractors to track time, manage projects and measure productivity.
    • Multi-User Support: AccountingSuite's multi-user support allows businesses to provide employees, contractors, advisers, investors and accountants with concurrent access to key financial information.
    • Invoice Management: Invoicing tools ensure that businesses are able to create and send invoices, reconcile payments and track cash flow.
    • Best for Startups, mobile professionals, entrepreneurs and growing companies.

11 – 15 Best Rated Online Billing

Harvest is an enterprise software company founded in 2006 in New York. The company offers tracking and billing services to big and small businesses.