Invoicing & accounting
Accounting and invoicing software, compared on subscription price and the payment fees each vendor publishes.
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Products, prices and protections differ by country, so each market has its own comparison in its own currency.
Best accounting software for small businesses in the US (2026)
Five apps compared on what they cost at your team size: subscription, extra logins, and the fee on every invoice a client pays online.
- 1. Wave Starter$0.00
- 2. Zoho Books Standard$20.00
- 3. Xero Early$27.00
Best accounting software for small businesses in the UK (2026)
Four apps compared on what they cost a UK sole trader, partnership or limited company, including extra users and Making Tax Digital support.
- 1. Zoho Books Standard£12.00
- 2. Xero Ignite£18.00
- 3. FreeAgent Sole trader£19.00
How invoice payment fees work: card, ACH, bank transfer and direct debit
When a client pays through an invoice link, you receive less than the invoice total. Here is what each payment method costs, how to estimate it per month, and the rules on surcharges and late payment.
CalculatorAccounting software cost calculator
Run the numbers for your own situation, in dollars or pounds.