Invoxa compared
Invoxa vs PayPal Invoicing
PayPal Invoicing suits sellers whose clients already pay with PayPal or Venmo, who send occasional invoices and prefer paying per payment to a subscription. Invoxa suits freelancers and small businesses that invoice every month and want estimates, purchase orders, branded templates and lower card fees through their own Stripe account, for $5.99 a month.
Disclosure: Invoxa is our product. We describe it as plainly as PayPal Invoicing, including its limits. Every PayPal Invoicing price, limit and fee below was read on paypal.com on October 6, 2026; Invoxa prices come from our pricing page. US list prices in USD, before tax. Vendors change prices, so check the linked pages before you decide.
Invoxa vs PayPal Invoicing at a glance
| Feature | Invoxa | PayPal Invoicing |
|---|---|---|
| Price | One plan, Invoxa Pro: $5.99/month or $59.99/year ($4.99/month). | No setup or monthly fee for invoicing, per PayPal's help center; you pay per payment. PayPal's fee page also lists an "Invoicing Subscription" at $14.99/month without describing it. |
| Free plan or trial | 3-day free trial of Pro, no credit card. No free plan after the trial. The invoice generator can be filled in without an account. | Creating and sending invoices is included with a PayPal Business account. |
| Invoices and clients | Unlimited invoices, estimates, purchase orders, clients and emails. | No limits stated. |
| Document types | Invoices, estimates (clients approve, reject or ask for changes online) and purchase orders. Estimates convert to invoices. Deposits, partial payments and attachments. | Invoices and estimates; clients accept an estimate or request changes, and it converts to an invoice. Purchase orders not listed. |
| Sending | Email from Invoxa with a link the client opens without an account; PDF download and print; copy the link for any messaging app. | Email, SMS, messaging apps, social media, a QR code or a link; clients pay without a PayPal account. No client portal. |
| Recurring invoices | Weekly, every 2 or 3 weeks, or monthly. Invoxa creates the next invoice as a draft for you to check and send. | Weekly, monthly, yearly or a custom interval. |
| Online payments and fees | Card, Apple Pay, Google Pay and other methods you enable, through your own Stripe account. Invoxa adds no fee; Stripe charges its own rate (2.9% + 30¢ per domestic US card, per Stripe pricing). No PayPal or Venmo. | PayPal, Venmo (US), cards, Apple Pay, Pay Later and Pay by Bank (ACH). PayPal and Venmo 3.49% + 49¢; cards and Apple Pay 2.99% + 49¢; Pay Later 4.99% + 49¢; ACH 1% (capped at $10); international +1.5%. Fees are not returned on refunds. |
| Reminders | No automatic reminders. The invoice status shows when the client opened it, paid or paid part of it, with a notification to you. | Automatic reminders you set up; manual reminders up to 2 per invoice in 24 hours. |
| Platforms | Web app and iPhone app. An Android app is in development. | Web, and the PayPal Business app for iPhone and Android. |
| Countries and currencies | Any country, any of 119 currencies (one per account). Card payments need a Stripe account in a country Stripe supports. | More than 200 markets and 24 currencies. |
| Branding | Your logo and brand color on 8 document templates. No Invoxa branding on your documents. | Company name, brand colors and logo. |
| Users | One user per account. | Not listed on the invoicing pages. |
| Language | English interface. Every label on a document can be renamed, so you can issue invoices in another language. | App in 25 languages; invoices shown in the client's preferred language. |
| Accounting and reports | No bookkeeping: Invoxa is invoicing software. Reports on sales by client and item, the sales journal, taxes and customer aging, with Excel export. | No bookkeeping; sales reports in the app and sync with QuickBooks or Xero. |
Which one should you choose?
Choose PayPal Invoicing if …
- Your clients like to pay with their PayPal balance, Venmo or Pay Later.
- You send a few invoices a year and prefer no subscription.
- You sell in many countries and currencies from one PayPal account.
- You want invoices in each client's language, or an Android app.
Choose Invoxa if …
- Most of your clients pay by card: Stripe's 2.9% + 30¢ costs less than PayPal's 2.99% + 49¢.
- You need purchase orders, deposits and branded templates.
- You want sales, tax and aging reports for your invoices.
- You invoice every month and want one fixed price.
What PayPal Invoicing is
PayPal Invoicing comes with a PayPal Business account. You create invoices and estimates, send them by email, SMS, messaging apps, a QR code or a link, and clients pay without a PayPal account: with PayPal, Venmo (US only), cards, Apple Pay, Pay Later or Pay by Bank. Clients can accept an estimate or request changes, and estimates convert to invoices. Recurring invoices run weekly, monthly, yearly or at a custom interval, and automatic reminders can be set up. PayPal's help center says invoicing has no setup or monthly fees; you pay per payment, from 2.99% + 49¢ for cards to 3.49% + 49¢ for PayPal and Venmo. PayPal works in more than 200 markets and 24 currencies, and shows invoices in each client's preferred language.
What Invoxa is
Invoxa is invoicing software with one plan. Invoxa Pro costs $5.99 a month or $59.99 a year ($4.99 a month) and includes unlimited invoices, estimates, purchase orders, clients and emails. New accounts get a 3-day free trial without a credit card. Documents carry your logo and brand color on one of 8 templates, and nothing from Invoxa. Clients open documents from a link without an account, approve estimates online, and pay through your own Stripe account, by card, Apple Pay, Google Pay or the other methods you turn on there. Invoxa runs in the browser and in an iPhone app, in English; an Android app is in development. There is no bookkeeping, no automatic payment reminders and one user per account. See all features.
Pricing in detail
PayPal costs nothing until a client pays; then each payment carries a percentage and a 49¢ fixed fee. Invoxa costs $5.99 a month and card payments go through your Stripe account at Stripe's rate, 2.9% + 30¢ for domestic US cards. On a $100 card payment that is $3.48 with PayPal and $3.20 with Stripe; if the client pays with PayPal or Venmo, PayPal charges $3.98. The 49¢ fixed fee weighs most on small invoices. If you send a few invoices a year, PayPal is cheaper; if you take 20 or more card payments a month, Invoxa usually is.
Where PayPal Invoicing is stronger
- No subscription. Invoicing is included; you pay only when paid.
- Ways to pay. PayPal balance, Venmo, Pay Later and ACH with a $10 cap, next to cards.
- International reach. More than 200 markets, 24 currencies and invoices in the client's language.
- Automation. Automatic reminders and recurring invoices at any interval; iPhone and Android apps.
Where Invoxa is stronger
- Card fees. Stripe's rate without the 49¢ fixed fee, and no Invoxa fee on top.
- Documents. Purchase orders, deposits, partial payments and attachments, and 8 branded templates.
- Reports. Sales by client and item, the sales journal, taxes and customer aging.
How we checked
We read PayPal's invoicing page, its US business fee page (last updated 1 October 2026) and its help center articles on invoicing costs, estimates and sending invoices on 6 October 2026, and the PayPal Business listing on the App Store the same day. Invoxa facts come from our pricing and features pages and the product itself. Fees are US rates in USD.
Pros and cons
Invoxa
Pros
- Lower card fees through your own Stripe account, with no Invoxa fee.
- Purchase orders, deposits, partial payments and attachments.
- 8 templates with your logo and brand color.
- Sales, tax and customer aging reports.
Cons
- A monthly or yearly plan after the 3-day trial.
- No PayPal or Venmo payments.
- No automatic reminders.
- No Android app yet.
PayPal Invoicing
Pros
- No subscription for invoicing.
- PayPal, Venmo, Pay Later and ACH (capped at $10) next to cards.
- 200+ markets, 24 currencies and invoices in the client's language.
- Automatic reminders and recurring invoices at any interval.
Cons
- A 49¢ fixed fee on every card or PayPal payment, and 3.49% for PayPal and Venmo.
- Fees are kept when you refund.
- No purchase orders, client portal or bookkeeping.
- The iPhone app is iPhone-only and was last updated in April 2025.
Frequently asked questions
Is PayPal Invoicing free?
PayPal's help center says PayPal Invoicing has no setup or monthly fees; you pay a fee on each payment. Its fee page also lists an "Invoicing Subscription" at $14.99 a month, without saying what it adds.
Is Invoxa free?
You can fill in an invoice in the Invoxa invoice generator without an account. A new account gets a 3-day free trial of Invoxa Pro with no credit card; after that Pro costs $5.99 a month or $59.99 a year. There is no free plan.
What are PayPal's fees on invoice payments?
In the US: 3.49% + 49¢ when the client pays with PayPal or Venmo, 2.99% + 49¢ for cards and Apple Pay, 4.99% + 49¢ for Pay Later, and 1% capped at $10 for Pay by Bank (ACH). International payments add 1.5%.
Which costs less on a $100 card payment?
Through Stripe, a $100 domestic card payment costs $3.20; through PayPal Invoicing it costs $3.48, and $3.98 if the client pays with PayPal or Venmo. With about 21 card payments of $100 a month, the difference covers Invoxa Pro at $5.99.
Can my clients pay an Invoxa invoice with PayPal?
No. Invoxa takes online payments through Stripe only: cards, Apple Pay, Google Pay and the other methods you turn on in Stripe.
Sources
Checked on October 6, 2026. We link the official pages so you can verify every number.
- PayPal Invoicing (paypal.com)
- PayPal business fees (US) (paypal.com)
- PayPal help: cost of PayPal Invoicing (paypal.com)
- PayPal help: estimates (paypal.com)
- PayPal help: creating and sending invoices (paypal.com)
- PayPal Business on the App Store (apps.apple.com)
- Invoxa pricing (invoxa.com)
- Stripe pricing (card fees) (stripe.com)
Comparing more tools? Read our guide to the best invoice software for small business, and see the full list of Invoxa features.
