PayPal Invoicing

Creating and sending the invoice is included. The money movement is priced, and the rates depend on how the customer pays.

Open PayPal Invoicing

What is actually free

The invoice itself is included with the account. Each payment has a published fee.

Pricing model: Freemium. An account is part of using it. We are not claiming anything about a credit card unless the quote says so.

A quoted rate of 3.49% + $0.49 per transaction
Pay Later: 4.99% + $0.49
Debit, credit, and Apple Pay: 2.99% + $0.49
Pay by Bank (ACH): 1%, with a $10 fee cap

From their page

Creating and sending invoices is included with your account. 3.49% + $0.49 per transaction. Pay Later 4.99% + $0.49 per transaction. Debit cards, credit cards, & Apple Pay 2.99% + $0.49 per transaction. Pay by Bank (ACH) 1% $10 fee cap.

Source. Checked October 14, 2026.

Who it is for

Someone who already has PayPal and wants the customer to pay inside it.

Upsides

The page says creating and sending invoices is included with the account.
The fee table is on the same page as the product.

Limits

You need a PayPal account.
The cheapest quoted card-like rate is still a percentage plus $0.49.

Alternatives in this directory

Wave — Free Starter plan for invoices and bookkeeping. Card payments are extra.
Zoho Invoice — Invoicing Zoho still calls forever free, with a yearly invoice cap.
Invoice Ninja — Hosted free plan for 5 clients and unlimited invoices.
Square — A $0 software plan called Square Free. Card processing is not free.
PaidPilot Invoice Generator — A free invoice PDF in the browser. No account. Published by us.

Last verified October 14, 2026. This is not a user review and not a ranking score.