Square Invoices vs Zervant (2026): which should you pick?
As of Nov 12, 2026, Square Invoices grades higher than Zervant: 2.8 against 2.4 out of 4.0.
Checked Oct 17, 2026 and Nov 12, 2026 · graded Oct 17, 2026 and Nov 12, 2026 by ToolGPA
Square Invoices grades higher on the free plan and ease of use. Zervant grades higher on value for money. They get the same grade on features and platforms.
Price, platforms and features side by side. The table says where each price was read and when.
Square Invoices
Free invoicing, estimates and contracts inside Square's payment plans
Zervant
Invoicing and estimates for sole traders, with a free plan
Which one is for you
Pick Square Invoices if
- Fits if you already take payments in person with Square
- Works for service businesses that want no monthly fee and can live with 3.3% + 30¢ per online card payment
Look elsewhere if
- Too light for keeping the books, as it only sends payments on to QuickBooks Online or Xero
- Pricey if you go for Plus just for lower fees: $49 a month per location pays off only past about $12,000 a month in card payments
- Not for you if you bill clients in other currencies, since it takes one currency only
- Watch out: every payment has a fee, 3.3% + 30¢ on an online card and 1% on a bank transfer, $1 minimum
- Pricey if you need payroll, a separate product from $35 a month plus $6 per person paid
Pick Zervant if
- Fits if you are a sole trader who sends a few invoices a month
- Works for someone who wants estimates turned into invoices from a phone
Look elsewhere if
- Too light for bookkeeping: it is an invoicing tool with no ledger
- Tight if you stay free, with 5 customers and 5 invoices a month, and 30 customers on Starter
- Watch out: card payments cost 1.9% + €0.25 per invoice for European cards, and bank payments €0.99 plus VAT
- Watch out: recurring invoices and bank connection start at Pro, and prices are in euros excluding VAT
How we grade them
| 2.8GPASquare InvoicesGood | 2.4GPAZervantFair | |
|---|---|---|
| Value for money | DPlus is $49 a location a month, where the dearest tenth of accounting tools starts. For invoicing it mostly buys a lower card fee, 2.9% instead of 3.3%, plus batch invoices and payment schedules. That fee cut only pays for itself past about $12,000 a month in card payments. | BStarter is €9.99 a month billed yearly, inside the cheapest quarter of accounting tools ($15). Pro is €17.99 and Growth €41.99. |
| Free plan and trial | AUnlimited invoices, recurring invoices, deposits, reminders, estimates and contracts cost nothing a month, with no cap. You pay per payment instead: 3.3% + 30¢ on an online card, and 1% on a bank transfer. | CFree plan with 5 customers and 5 invoices a month, which a busy sole trader will reach. Paid monthly plans have a 14-day trial. |
| Features | CInvoices on any schedule, deposits, auto-pay, estimates, e-signed contracts, a project workspace and cards, Cash App Pay, ACH or Afterpay. It does invoicing fully, but that's the smaller job: it keeps no books and takes one currency only. | CInvoices, estimates, e-invoices, post delivery, time tracking, reminders and recurring invoices. It does the invoicing job fully, but invoicing is a smaller job than bookkeeping. |
| Ease of use | A4.8 from 93,229 App Store ratings, the top band in this category. If you already take payments with Square, invoices sit in the same account. | CNo store rating on record. You enter your business and customer details first. |
| Platforms and integrations | BWeb, iPhone and Android, with QuickBooks Online, Xero, Afterpay, Cash App Pay, Apple Pay and Google Pay. There's no desktop app, which keeps it off an A. | BWeb plus iPhone and Android apps. No integrations list or API was found. |
| Best for | free invoicing for businesses already on Square | invoices and estimates for sole traders |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Square Invoices and Zervant. How we grade
Price against what you get
Square Invoices starts at $49 a month and scores 3.0 out of 4 on features, ease of use and platforms. Zervant starts at about $11.16 a month and scores 2.3.
Square Invoices scores higher, and starts $37.84 a month higher: the question is whether the extra is worth that to you. Of the other accounting and invoicing tools on the chart, 3 score higher than Square Invoices for less, and 5 score higher than Zervant for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- Zervant also covers time tracking, expense tracking and quotes and estimates.
At a glance
| Square Invoices | Zervant | |
|---|---|---|
| Pricing | Free plan | Free plan |
| Starts at | $49 per location / month, billed monthly | €9.99 per month, billed annually (€11.99 billed monthly) |
| Free plan | Square Free: unlimited invoices, recurring invoices, deposits, reminders, estimates, contracts and projects. Online card payments cost 3.3% + 30¢. | 5 customers and 5 invoices a month, with estimates, mobile app and time tracking. |
| Free trial | 30-day free trial of Square Plus or Square Premium | 14-day free trial on monthly-paid plans |
| Web | ||
| iOS | ||
| Android | ||
| Made by | Block, Inc. | Zervant |
| Price read from | squareup.com | zervant.com |
| Checked | Oct 17, 2026 | Nov 12, 2026 |
Worth knowing
Square Invoices
- Invoices come with Square's general plans, which also cover point of sale and bookings; Plus and Premium are charged per location.
- Each payment has a fee: invoice card payments are 3.3% + 30¢ on Free and 2.9% + 30¢ on Plus or Premium, ACH 1% ($1 minimum).
- It does not keep books: Square sends payments to QuickBooks Online or Xero, and it accepts one currency only.
- Square Payroll is a separate product, from $35 a month plus $6 per person paid.
Zervant
- The Free plan stops at 5 customers and 5 invoices a month, and Starter at 30 customers.
- Card payments cost 1.9% + €0.25 per invoice for European cards, and bank payments €0.99 plus VAT per invoice.
- Prices are in euros, excluding VAT, with versions in pounds, kronor and francs; they may differ outside the main European markets.
- This is an invoicing tool; it is not a full bookkeeping ledger.
Key features
Square Invoices
- Invoices and recurring billing
- Send unlimited invoices by email, text or link, on daily to yearly schedules, with deposits, automatic reminders and auto-pay from a saved card.
- Ways to pay
- Customers pay by card, Apple Pay, Google Pay, Cash App Pay, ACH bank transfer or Afterpay, online or in person.
- Estimates and contracts
- Send estimates and e-signature contracts built from reusable templates. Plus adds multi-package estimates and automatic conversion to invoices.
- Project workspace
- Keep each job's invoices, estimates, contracts and notes in one place and track what is paid, unpaid or overdue.
- Payment schedules and batch invoices
- Square Plus splits one invoice into milestone payments and sends one invoice to many customers at once.
- Fast access to funds
- Transfers to your bank arrive the next business day for free, or instantly for a fee, or land at once in a Square Checking account.
Zervant
- Invoices and estimates
- Create and send invoices and estimates by email or PDF, and turn an accepted estimate into an invoice.
- E-invoices and postal delivery
- Premium deliveries send an invoice as an e-invoice or by post, with monthly allowances that rise by plan.
- Time tracking
- Track working hours and transfer tracked time onto an invoice on Pro and Growth.
- Online payments
- Customers can pay by card or bank from the invoice email, priced per use rather than in the plan.
- Recurring invoices
- Pro and Growth add recurring invoices, down payments, payment schedules and multiple trade names.
- Payment reminders
- Send reminders on overdue invoices from the Starter plan up.
Plans
Square Invoices
Square Free$0
Unlimited and recurring invoices, deposits, reminders, estimates, contracts with e-signature and a project workspace. You pay only processing fees.
Square Plus$49
per location / month, billed monthly
Adds batch invoices, milestone payment schedules, custom templates and fields, multi-package estimates, lower online card fees and a $10 ACH fee cap.
Square Premium$149
per location / month, billed monthly
Everything in Plus, with the lowest in-person card fees and 24/7 phone support.
Square ProCustom
For businesses processing over $250,000 a year: custom pricing and processing fees, onboarding help and account management.
Zervant
Free€0
5 customers and 5 invoices a month, estimates and the mobile app.
Starter€9.99
per month, billed annually (€11.99 billed monthly)
30 customers, unlimited invoices, estimates converted to invoices, payment reminders.
Pro€17.99
per month, billed annually (€20.99 billed monthly)
Unlimited customers, recurring invoices, down payments, payment schedules and bank connection.
Growth€41.99
per month, billed annually (€47.99 billed monthly)
Pro features with more premium deliveries: 30 a month by e-invoice or post, against 10 on Pro.
Ways to pay less
Square Invoices
No public discounts listed.
Zervant
- Annual discount
Save up to 15% with yearly plans
The pricing page says yearly plans save up to 15% against monthly ones, which come with a 14-day trial.
Common questions
Which is cheaper, Square Invoices or Zervant?
As of Nov 12, 2026, Zervant is cheaper to start with: about $11.16 a month, against $49 a month for Square Invoices. Square Invoices starts at $49 per location / month, billed monthly, and Zervant starts at €9.99 per month, billed annually (€11.99 billed monthly).
Which has a free plan, Square Invoices or Zervant?
As of Nov 12, 2026, both Square Invoices and Zervant have a free plan.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.