Invosi vs Square Invoices
Square Invoices is free for the software — you only pay 2.9% + 30¢ when you get paid. Invosi charges a flat $7/mo plus the same processing fees. The right answer depends on your volume.
| Feature | InvosiFrom $7/mo · 7-day free trial | Square Invoices$0/mo + 2.9% + 30¢ per card payment |
|---|---|---|
| Monthly software fee | $7/mo flat (Starter) | $0/mo |
| Card processing fees | 2.9% + 30¢ (no Invosi markup) | 2.9% + 30¢ (Square Payments) |
| Cost at 5 invoices/mo (on $1K billed) | $7/mo + $29 processing = $36/mo | $0 + $29 processing = $29/mo |
| Cost at 50 invoices/mo (on $10K billed) | $7/mo + $290 processing = $297/mo | $0 + $290 processing = $290/mo |
| Cost at 200 invoices/mo (on $40K billed) | $12/mo (Pro) + $1,160 processing = $1,172/mo | $0 + $1,160 processing = $1,160/mo |
| Best for predictable monthly costs | ||
| Multi-currency | USD, EUR, GBP, AUD | USD, GBP, EUR, AUD, CAD, JPY |
| VAT / tax handling | Per-region VAT calculation built in | US sales tax (limited regional) |
| Automated reminders | ||
| Recurring invoices | ||
| Branded client portal | Square-branded checkout | |
| POS / retail integration | Square POS is the flagship | |
| Mobile card reader | Included (hardware + software) | |
| Ecosystem lock-in | None — pairs with any accounting app | Best with Square POS / Dashboard |
| Best for | Freelancers who want predictable monthly costs and strong multi-currency + VAT | Retailers / very-low-volume senders who want $0 monthly software fees |
Competitor data verified against Square Invoices’s public pricing page on 28 June 2026. Pricing and features change — if you spot something out of date, tell usand we’ll update it.
The short version
Choose Square Invoices if you send fewer than ~5 invoices a month and want to keep monthly software costs at $0 — you only pay when you get paid. Choose Invosi once you cross ~10 invoices/month, want predictable monthly costs, or need stronger multi-currency + VAT + automated reminders than Square offers. At 50 invoices/month on $200 average, Square is ~$300/mo in processing alone; Invosi Pro is $12/mo plus the same processing. The card processing fees are identical (Stripe under the hood for both — Square uses its own).
Frequently asked
Is Square Invoices really free?
The software is free — no monthly fee. You pay only when you accept a card payment: 2.9% + 30¢ for online card payments, 2.6% + 10¢ for in-person tap/dip/swipe, and 3.5% + 15¢ for keyed-in cards. Bank transfers (ACH) are 1% with no cap. There is no charge for the invoice itself or for sending reminders.
How much does Square Invoices actually cost a freelancer?
For a freelancer sending 10 invoices a month averaging $500 each, the card processing fees are roughly $147/mo. The invoice software is $0. So total is ~$147/mo. Invosi at the same volume: $7/mo Starter + $147/mo processing = $154/mo. Roughly tied — but Invosi gives you predictable monthly software costs and stronger multi-currency + VAT handling.
Can I use Square Invoices for international clients?
Yes, but with limitations. Square supports USD, GBP, EUR, AUD, CAD, and JPY invoicing. Multi-currency invoices are supported, but tax/VAT automation is limited outside the US. For UK/EU freelancers invoicing across currencies, Invosi offers stronger regional tax handling.
Can I migrate from Square Invoices to Invosi?
Yes — export clients and invoice history as CSV from Square Dashboard and import into Invosi. Recurring invoice schedules and Square POS data do not migrate (Invosi is invoicing-only). Most freelancers complete the migration in under an hour.