The Square Invoices Insider’s Guide
Everything we know about Square Invoices in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Square Invoices
The Insider’s Guide
Free invoicing, estimates and contracts inside Square's payment plans
Every plan, grade, refund rule and rival among accounting and invoicing tools, read from Square Invoices’s own pages.
Made by Block, Inc. · checked Oct 17, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Square Invoices’s own pages, its app-store listings and our grades. Every fact in it is on Square Invoices’s page too, where it is kept up to date. Checked Oct 17, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.8
GPA, above 12 of the 17 other accounting and invoicing tools we grade
Square Invoices is the invoicing part of Square, the payments and point-of-sale service from Block. Every Square plan, including the free one, sends unlimited invoices, recurring invoices, estimates and contracts with e-signature, and customers pay by card, ACH bank transfer, Cash App Pay or Afterpay. The paid plans, charged per location, cut processing fees and add batch invoices and payment schedules.
To get you started, here are 9 things to know about Square Invoices, taken from its own pages and our grades.
If you already take payments with Square, invoices sit in the same account.
- 1
Best for free invoicing for businesses already on Square
It keeps no books, though, so you'll want QuickBooks Online or Xero alongside it.
- 2
Paid plans start at $49 a month
As its pricing page puts it: $49 per location / month, billed monthly.
- 3
There is a free plan
Square Free: unlimited invoices, recurring invoices, deposits, reminders, estimates, contracts and projects. Online card payments cost 3.3% + 30¢.
- 4
It runs on 3 platforms
Web, iOS and Android.
- 5
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.
- 6
Ways to pay
Customers pay by card, Apple Pay, Google Pay, Cash App Pay, ACH bank transfer or Afterpay, online or in person.
- 7
Estimates and contracts
Send estimates and e-signature contracts built from reusable templates. Plus adds multi-package estimates and automatic conversion to invoices.
- 8
A 2.8 GPA, above 12 of 17
That is against the other accounting and invoicing tools we grade, on value, the free plan, features, ease of use and platforms.
- 9
Keep it
The plain part of Square Invoices you could make: invoicing and reports. What surrounds it you could not. The 2 things listed below take a company, not a weekend.
Square Invoices at a glance
- Pricing
- Free plan, from $49 per location / month, billed monthly
- Free plan
- Yes
- Free trial
- 30-day free trial of Square Plus or Square Premium
- Runs on
- Web, iOS, Android
- Made by
- Block, Inc.
- Category
- Accounting & Invoicing
- Our grade
- 2.8 GPA, good
- Store rating
- 4.8 on the App Store, 93,229 ratings
The report card
Best for free invoicing for businesses already on Square
Square Invoices sends unlimited invoices, estimates and contracts for nothing a month, and your customers can pay just about any way, from cards to Afterpay. You pay Square per payment instead, 3.3% + 30¢ on an online card. It keeps no books, though, so you'll want QuickBooks Online or Xero alongside it.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | D | Plus 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. |
| Free plan and trial | A | Unlimited 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. |
| Features | C | Invoices 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. |
| Ease of use | A | 4.8 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. |
| Platforms and integrations | B | Web, 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. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Square Invoices is for
- Great if you already take payments in person with Square
- Handy when you send estimates and contracts before billing the job
- Good for service businesses that want to invoice without a monthly fee
Who it is not for
- 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, at $49 a month for each location
- Not for you if you bill clients in other currencies, since it takes one currency only
Good to know
Good for
- Service businesses that want to send invoices without a monthly fee
- Businesses already taking in-person payments with Square
- Contractors who send estimates and contracts before billing
Worth knowing
- 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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
$49
A month to start. There is a free plan too
Square Invoices has a free plan. Paid plans start at $49 per location / month, billed monthly.
Unlimited invoices, recurring invoices, deposits, reminders, estimates and contracts cost nothing a month, with no cap.
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 Pro
Custom
For businesses processing over $250,000 a year: custom pricing and processing fees, onboarding help and account management.
The free plan
Square Free: unlimited invoices, recurring invoices, deposits, reminders, estimates, contracts and projects. Online card payments cost 3.3% + 30¢.
Trying it first
30-day free trial of Square Plus or Square Premium
Read from squareup.com on Oct 17, 2026.
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
3
Places it runs: Web, iOS and Android
Free invoicing, estimates and contracts inside Square's payment plans. Here is what it does, as its own site describes it, and what it covers: invoicing, reports.
Invoices on any schedule, deposits, auto-pay, estimates, e-signed contracts, a project workspace and cards, Cash App Pay, ACH or Afterpay.
- 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.
Where it runs
- Web
- iOS
- Android
What it works with
- QuickBooks Online
- Xero
- Afterpay
- Cash App Pay
- Apple Pay
- Google Pay
Square Invoices is made by Block, Inc.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
12/17
Other accounting and invoicing tools it is graded above
Square Invoices's GPA of 2.8 is higher than 12 of the 17 other accounting and invoicing tools we grade, and level with 2.
It stands best on free plan and trial (A, above 14 of 17) and worst on value for money (D, above 0).
Its paid plans start at $49 a month, against a middle price of $19 for the category: 15 of the 16 others that charge start lower.
On features, ease of use and platforms it scores 3.0 out of 4. 3 tools score higher and cost less.
Each grade against the category
Every bar is all 18 accounting and invoicing tools we grade, cut by the letter each got. Square Invoices’s own letter is outlined.
- DValue for moneyAbove 0 of 17
- AFree plan and trialAbove 14 of 17
- CFeaturesAbove 0 of 17
- AEase of useAbove 13 of 17
- BPlatforms and integrationsAbove 2 of 17
Price against what you get
Each dot is one of 18 accounting and invoicing tools. Further left costs less; higher up scores better on features, ease of use and platforms. Square Invoices is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
Keep it
The plain part of Square Invoices you could make: invoicing and reports. What surrounds it you could not. The 2 things listed below take a company, not a weekend.
It is one of the better ones too: its GPA of 2.8 is higher than 12 of the 17 other accounting and invoicing tools we grade. It costs $588 a year.
What you could make
- Invoicing and reports: an app builder makes these well.
What you could not
- A real app for iOS and Android. Something home-made would be a web page.
- It plugs into other products, QuickBooks Online, Xero and Afterpay among them.
What this rests on. Square Invoices’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Zoho Invoice, Wave, FreshBooks, QuickBooks Online and ZipBooks
The 5 tools Square Invoices is most often weighed against, with where each one differs from it.
- 3.6GPA
Zoho Invoice
Free
Free invoicing app from Zoho for freelancers and small businesses.
- Only Zoho Invoice lists Windows and macOS apps.
- Zoho Invoice also covers time tracking and expense tracking.
- 2.4GPA
Wave
Free plan · from $19/mo
Free invoicing and bookkeeping for US and Canadian small businesses.
- Wave also covers bookkeeping, expense tracking and payroll.
- 2.6GPA
FreshBooks
Free trial · from $23/mo
Invoicing and accounting for freelancers and service businesses.
- Square Invoices has a free plan. FreshBooks does not, though it has a free trial.
- FreshBooks also covers time tracking, bookkeeping, expense tracking and payroll.
- 2.4GPA
QuickBooks Online
Free plan · from $38/mo
Cloud accounting from Intuit, from a free plan to 25-user Advanced.
- QuickBooks Online also covers bookkeeping, expense tracking and payroll.
- 2.4GPA
ZipBooks
Free plan · from $15/mo
Browser-based invoicing and bookkeeping with a free starter plan.
- Only Square Invoices lists iOS and Android apps.
- ZipBooks also covers time tracking, bookkeeping and expense tracking.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
14
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Square Invoices free?
Square Invoices has a free plan. Square Free: unlimited invoices, recurring invoices, deposits, reminders, estimates, contracts and projects.
How much does Square Invoices cost?
Square Invoices lists 4 plans. Square Free: $0.
What platforms does Square Invoices work on?
Square Invoices is available on Web, iOS and Android.
How is Square Invoices rated?
Square Invoices's iPhone and iPad app averages 4.8 out of 5 from 93,229 ratings on the App Store in the United States, as read on Oct 17, 2026.
Does Square Invoices have a Windows app?
No Windows app was listed when its pages were read on Oct 17, 2026. Square Invoices is listed for Web, iOS and Android.
Does Square Invoices have a macOS app?
No macOS app was listed when its pages were read on Oct 17, 2026. Square Invoices is listed for Web, iOS and Android.
Is Square Invoices open source?
Square Invoices is not described as open source on its own site, as read on Oct 17, 2026.
What does Square Invoices integrate with?
Square Invoices's listing names QuickBooks Online, Xero, Afterpay, Cash App Pay, Apple Pay and Google Pay.
Does Square Invoices have a free trial?
Yes. 30-day free trial of Square Plus or Square Premium.
Who makes Square Invoices?
Square Invoices is made by Block, Inc.
What are the alternatives to Square Invoices?
The closest alternatives to Square Invoices in our directory are Zoho Invoice, Wave, FreshBooks, QuickBooks Online and ZipBooks.
How does Square Invoices compare with other accounting and invoicing tools?
Square Invoices's GPA of 2.8 is higher than 12 of the 17 other accounting and invoicing tools we grade, and level with 2.
Is Square Invoices good value for money?
ToolGPA grades Square Invoices D for value for money. Its paid plans start at $49 a month, against a middle price of $19 for the category: 15 of the 16 others that charge start lower.
Could I make my own version of Square Invoices?
The plain part of Square Invoices you could make: invoicing and reports.
Where this guide comes from
The prices, plans, platforms and features were read from Square Invoices’s own pages on Oct 17, 2026, and the grades were given on Oct 17, 2026. Graded from this listing, whose facts were read from Square's own pages on 17 October 2026, and its App Store rating. Not based on using the product, and shorter than our full reviews.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Block, Inc. Prices change, so check squareup.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
1,880
Tools graded, in 47 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
ToolGPA is free to read. It may earn a commission from affiliate links and it works with sponsors, but anything paid for is labelled and no one can pay for a grade. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
1,880
tools graded
47
categories
426
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Square Invoices, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/square-invoices
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Square Invoices: The Insider's Guide", checked Oct 17, 2026. https://toolgpa.com/tools/square-invoices
Know someone choosing between accounting and invoicing tools?
Send them this guide: toolgpa.com/tools/square-invoices/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded accounting and invoicing tools after Square Invoices, each with an Insider's Guide of its own.
- Accounting & Invoicing Insider's GuideEvery one of the 18 accounting and invoicing tools we grade, compared
- Zoho Invoice Insider's GuideFree invoicing app from Zoho for freelancers and small businesses3.6 GPA
- Zoho Books Insider's GuideOnline accounting from Zoho, with a free plan and six paid tiers3.4 GPA
- Odoo Insider's GuideBusiness app suite whose Accounting app is free when used on its own3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Square Invoices’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. ToolGPA uses affiliate links and may earn a commission from them, and it works with sponsors; anything paid for is labelled, and no one can pay for a grade. Square Invoices is a trademark of its owner, and this guide is not made, paid for or approved by Block, Inc. Prices and plans change: check squareup.com before you buy.