PayPal Invoicing
PayPal Invoicing lets businesses send free branded invoices that customers pay by PayPal, Venmo, card or bank; fees apply only when an invoice is paid.
Our take: For a freelancer already on PayPal, this is the fastest way to bill someone: fill in a form, send a link, get paid by card, Venmo or bank.
PayPal Invoicing is the free invoicing tool in a PayPal Business account, for freelancers and small businesses that want clients to pay by PayPal, Venmo, card or bank. Sending invoices costs nothing; PayPal charges a fee on each payment, from 1% for bank transfers to 3.49% + $0.49 for PayPal payments.
A sensible free invoicing option for small, simple billing, as long as you budget for the payment fees.
Our score
Reviewed by the Conversion Gems editorial team. Hover a facet to focus it; click to pin.Tap a facet to focus it.
Community ratings
Shown for context only. Our score is independent.
Capterra4.7 / 5 aggregate · across 1 source
Third-party ratings shown verbatim; aggregate weighted by review volume.
What it is, and why we rate it
One line each. Open a row for detail.
Our takeFor a freelancer already on PayPal, this is the fastest way to bill someone: fill in a form, send a link, get paid by card, Venmo or bank.
Best / not good for
- Freelancers and contractors
- Small sellers already using PayPal
- Occasional or recurring client billing
- Businesses needing full accounting
- High-value invoices paid by card
- Teams wanting quotes-to-cash workflows
Friction report
Trade-offs to know before signing up.
- Time to valueMinutes: open a free business account and send the first invoice.
- Scale breakpointFees grow with volume; at scale a dedicated billing tool may cost less.
- Walled gardenMedium: payments land in your PayPal balance before transfer to a bank.
PayPal Invoicing fees (US)
| How the customer pays | Fee |
|---|---|
| Creating and sending an invoice | Free |
| PayPal, Venmo or PayPal Guest Checkout | 3.49% + $0.49 |
| Credit or debit card | 2.99% + $0.49 |
| Pay by Bank (ACH) | 1%, capped at $10.00 |
| Pay Later | 4.99% + $0.49 |
| International payment | Add 1.50% |
From PayPal's business fees and invoicing pages, checked 4 October 2026. Domestic US rates; the fees page was last updated 1 October 2026.
Frequently Asked Questions
Is PayPal Invoicing free?
How do I send an invoice through PayPal?
How do I avoid a 3% fee on PayPal invoices?
Do customers need a PayPal account to pay an invoice?
Do I need a business account to send PayPal invoices?
Are there extra fees for international invoices?
PayPal Invoicing alternatives
Other invoicing and billing tools in our directory:
Conversion Gems independently reviews every tool.