Best Invoicing Software for B2B Companies in 2026
Short answer: QuickBooks Online Plus is the best invoicing software for B2B companies in 2026 when the bill and the books must be the same US file, at $140/mo. Xero Growing is $55/mo when logins should not be priced per person. Zoho Books Standard is $15/mo billed annually inside a 5,000-invoice cap. Stripe Invoicing Starter charges 0.4% of each paid invoice when the customer already pays on Stripe.
Pick the file that can send a business customer a bill with terms, then show what is still unpaid.
QuickBooks Online Plus is the invoicing file for a US company that sells to other businesses and wants the customer bill in the same subscription the accountant already signs. A team that mostly needs more logins should price Xero before that Plus plan, or it will pay for inventory it does not hold. A company already charging cards on Stripe should price the invoicing percentage before it buys another ledger, because that percentage stacks on the card fee.
Toolradar data: the invoicing catalog holds 215 tools, of which 5 are free, 65 are freemium (33% free or freemium together), and 140 are paid only (65%).
A free invoice screen can still be the wrong buy, because the limit is usually clients, invoices per year, or the missing sync into the books. A B2B company hits one of those before it hits a software fee. This list is for companies that bill other businesses on terms, a repeat schedule, or a product line. Shops that turn hours or a proposal into the bill are covered in invoicing software for agencies, and a short freelance client list belongs in the invoicing software guide.
How we chose: these 10 were ordered for that company-to-company bill, from the 215 tools in the invoicing catalog, and each price below was read on the vendor's own site in September 2026. Nothing in the order is a paid placement, and the rating method is on how we rate.
Top Picks
Picked by editorial review, informed by G2 and Capterra review volume and rating and by media mentions, the signals behind our category rankings. How we rate
| Tool | Starting price | Rating | Best for |
|---|---|---|---|
| QuickBooks Online | Plus $140/mo | 4.4405 reviews | B2B companies whose accountant will only sign a QuickBooks file. |
| Xero | Growing $55/mo | 4.45,158 reviews | B2B teams that need several logins without a per-person license. |
| Zoho Books | Standard $15/mo yearly | 4.41,009 reviews | Growing B2B companies that can stay inside an annual invoice cap. |
| Stripe Invoicing | Starter 0.4% per paid invoice | 4.43,839 reviews | Product companies whose customers already pay on Stripe. |
| BILL | Essentials $49/user/mo | 4.41,811 reviews | Companies that send invoices and pay vendors in one login. |
| FreshBooks | Plus $43/mo | 4.55,507 reviews | Service companies that bill under 50 business clients. |
| Wave | Pro $19/mo | 4.32,059 reviews | Small B2B companies that can invoice before they need reminders. |
| Invoice Ninja | Pro $14/mo | 4.4193 reviews | Companies that want a branded portal without buying a ledger. |
| Square Invoices | Free, then Plus $49/mo | 4.44,211 reviews | US companies that invoice and also take in-person cards. |
| Sage Intacct | No list price | 4.34,086 reviews | Companies that have outgrown a 25-user QuickBooks file. |
B2B companies whose accountant will only sign a QuickBooks file.
Watch out
50% introductory discount expires after 3 months, doubling your bill overnight
B2B teams that need several logins without a per-person license.
Watch out
Potential add-on costs for specific integrations
Growing B2B companies that can stay inside an annual invoice cap.
Zoho Books is the best value in cloud accounting.
Watch out
Additional users cost $2.50/user/month on top of plan price
Product companies whose customers already pay on Stripe.
Stripe's 2.9% + 30¢ per transaction is the standard every payment processor is compared against.
Watch out
International card surcharge: +1.5% on top of the 2.9% base rate for cards issued outside your country. A US business charging a UK customer pays 4.4% + 30¢, not 2.9%
Companies that send invoices and pay vendors in one login.
Service companies that bill under 50 business clients.
FreshBooks' pricing is fair for small businesses, though it can become expensive as client numbers grow.
Watch out
Potential for add-on service costs
Small B2B companies that can invoice before they need reminders.
Wave's Starter tier is incredibly generous, offering unlimited invoicing and bookkeeping for free, which is rare in the market.
Companies that want a branded portal without buying a ledger.
Invoice Ninja offers a very generous Free tier, making it highly accessible for freelancers and small businesses with limited client bases.
US companies that invoice and also take in-person cards.
Square's pricing is generally fair, especially for small businesses.
Companies that have outgrown a 25-user QuickBooks file.
What B2B invoicing software is
B2B invoicing software creates the bill a company sends to another business, tracks what is still unpaid, and gives that customer a way to pay. A checkout page is for a shopper who pays now, while this category is for a buyer who expects an invoice, a due date, and a record the accountant can sign.
The ten products split into three jobs, and picking the wrong job means paying twice. QuickBooks, Xero, and Zoho Books are the invoice and the ledger together, which is what a US accountant usually wants to sign.
Stripe, BILL, Square, and PayPal collect the money and can push the result toward a ledger, which suits a company that already has books and needs the cash to land. FreshBooks, Wave, and Invoice Ninja are the bill itself, with a lighter close, which suits a shorter client list that does not need stock on the invoice. Sage Intacct is the step when that small-business file is no longer the system of record.
Subscription billing, with usage meters and contract amendments, is a different purchase, and that comparison lives in subscription management software. Once the invoice is out and the work is cash application, deductions, and a customer portal at volume, the next read is accounts receivable automation.
Why the entry plan often cannot bill a business customer
The expensive miss is buying the cheapest plan and finding the B2B feature on the next card. Xero Early caps how many invoices you can send, so weekly billing exhausts it before the first renewal. Zoho Books Standard does not include multi-currency invoicing, so a customer billed in their own currency needs a higher plan. QuickBooks inventory tracking starts on Plus, so a product company on Simple Start cannot put stock on the bill. FreshBooks Lite does not list retainers, so a services firm holding client money has bought the wrong tier.
Headcount is a different meter on each product, and the second person is where the quote changes. Xero has no per-user license fee, so extra logins are not a line on the bill. Zoho Books prices the organization, then sells extra users after the included seats. BILL prices every person who needs the product, so sending invoices and paying vendors still costs a seat each. Square prices the location, and FreshBooks prices the account, then each extra teammate.
The processing fee is a second bill on top of the subscription, and a large customer invoice is where that fee becomes the real price. Stripe charges domestic cards at 2.9% + $0.30, then Invoicing adds its own percentage when the invoice is paid, so a card customer pays both. FreshBooks Payments uses that same card shape and charges 1% on a US bank transfer. Square Free charges 3.3% + 30¢ on a card paid through an invoice, so high card volume belongs on a paid Square plan.
PayPal lists cards at 2.99% + $0.49, and Pay by Bank uses that same bank percentage with a $10 cap, which is why Stripe vs PayPal is a fee question, not a ledger question. A company that still has to pick the books should read QuickBooks vs Xero before it treats a pay link as the close.
Key Features to Look For
A due date the customer can see (Essential)
A business customer needs terms and a due date. Stripe sets days until due, FreshBooks Plus adds retainers, and Zoho Books puts recurring invoices on every plan, including the free one.
The cap written on the cheap plan (Essential)
Zoho Books Free stops at 1,000 invoices a year and $50,000 of revenue, FreshBooks Plus stops at 50 clients and counts archived names, and Invoice Ninja Free stops at 5 clients, so price the cap before the monthly fee.
More than one person in the file (Essential)
Xero does not bill a license per person, Zoho Books Standard includes 3 users, BILL bills each user, Invoice Ninja Pro is one login with extra users on Enterprise, and FreshBooks charges $11/mo for each team member on Premium.
A named path into the books (Important)
BILL's automatic sync with QuickBooks Online and Xero starts on Team, Essentials is a CSV, and Stripe syncs to NetSuite, Xero, and QuickBooks, as does Square, so the accountant does not retype the bill.
A second currency, or an honest no (Important)
Zoho marks multi-currency on Professional and above, not Free or Standard, Xero lists it on Established only, and Square does not support multi-currency acceptance, so a foreign-currency customer knocks out the cheap plan.
A renewal date, not the intro (Nice to have)
Xero's US list changes on a published date and the new-customer offer ends the day before, FreshBooks advertises introductory rates under list, and QuickBooks shows a lower figure beside each list rate, so budget the second invoice.
What to decide before the trial
If the accountant will only sign QuickBooks, price Plus when you sell goods, because inventory tracking is not on the lower plans and Simple Start cannot put stock on the bill.
If several people need a login and you invoice in one currency, price Xero Growing, then Established only when a second currency or projects show up, because extra logins are not seats.
If the year's invoices fit the Standard cap and revenue can pass the free-plan threshold, price Zoho Books Standard on annual billing before Professional, because a second currency waits on Professional.
If customers already pay on Stripe, price Invoicing Starter as a cut of the paid invoice, and Plus only when you need quotes, because that percentage stacks on the card fee.
If the same team pays vendors and sends invoices, price BILL Team when QuickBooks or Xero must sync, not Essentials, because Essentials leaves a CSV and a second typing job at close.
Evaluation Checklist
On QuickBooks, confirm Plus or Advanced if you track stock, because a lower plan sends a bill that cannot carry the goods.
On Xero, count the next 12 months of bills against Early's invoice cap, and note the US renewal date before you take the intro offer.
On Zoho Books, check last year's revenue and the invoice cap on the plan you would buy, because multi-currency is Professional and either cap ends the free file.
On Stripe, add the invoicing percentage to the card rate on one real invoice, because quotes are on Plus and the ledger stays separate.
On BILL, confirm Team if QuickBooks Online or Xero must sync, because Essentials is a CSV, then add the bank ACH fee on each payment you expect.
On FreshBooks, count active and archived clients against the Plus cap, because Premium is unlimited clients, with each team member at $11/mo, and Select has no printed price.
On Wave, decide whether you need reminders before staying on Starter, because reminders are Pro and online payments need a separate approval.
On Invoice Ninja, count clients against the free cap, because Pro removes that cap and the branding, while extra users and e-invoicing are Enterprise.
On Square, confirm you can live in one currency, because multi-currency acceptance is not supported, then compare the Free card rate with Plus.
On Sage Intacct, get the module list and the annual figure in writing, because there is no USD list price and a demo is not a number next to Plus.
Pricing Overview
Invoice and the books
QuickBooks Plus when stock has to sit on the invoice, Xero Growing when people should not be seats, Zoho Books Standard when the annual cap fits.
Monthly list, per file
Collect on a pay link
Stripe Invoicing when the customer already has a Stripe pay page, and Square or PayPal when the software subscription should stay at nothing.
Percent of the paid invoice
Seat for AR and AP together
BILL Essentials to send the invoice, and Team when QuickBooks Online or Xero must sync without a CSV.
Per user / month
Client file, not a full close
FreshBooks Plus while the client book still fits, Wave Pro when reminders matter, Invoice Ninja Pro when the free client ceiling is the problem.
Per account
Quote, then an annual contract
Sage Intacct when the company has outgrown a small-business file and can wait for a written module quote.
No printed USD rate
Pricing Comparison
| Tool | Published price | What that price buys | Billing |
|---|---|---|---|
QuickBooks | $140/mo Plus | List rate, with Simple Start at $38, Essentials at $85, and Advanced at $340 for 25 users, plus 2 accountant seats on the first three plans. | Monthly, US page |
Xero | $55/mo Growing | Invoices past Early's cap of 20, with Established at $90 for currencies and projects, Early at $25, and no per-user fee. | USD, monthly |
$15/mo Standard, yearly | 3 users and 5,000 invoices a year, with monthly Standard at $20, while Professional at $50, or $40 yearly, adds multi-currency. | Per organization | |
0.4% Starter | Per paid invoice, with Plus at 0.5% adding quotes and no fixed fee, while cards are 2.9% + $0.30 on top. | Percent, when paid | |
$49/user/mo Essentials | Invoices, reminders, ACH, and cards, with Team at $65 for QuickBooks Online and Xero sync, Corporate at $89, and bank ACH at $0.59. | Per user / month | |
$43/mo Plus | 50 clients with proposals and retainers, Premium at $70 for unlimited clients, and Lite at $23 for 5 clients. | Per account, monthly | |
Wave | Pro $19/mo | Reminders and a lower card fee on the first 10 payments, no software fee on Starter, and annual Pro at $190. | USD, per business |
Pro $14/mo | Unlimited clients, against a free plan of 5 clients, with Enterprise from $18/mo and annual Pro described as 2 months free. | Monthly or yearly | |
Square | Free $0/mo per location | Invoice cards are 3.3% on Free and 2.9% on paid plans, both plus 30¢, and Premium is $149/mo per location. | Per location |
No list price | A module-based quote with no printed monthly rate, billed as an annual subscription. | Annual, quoted |
Prices checked on vendor sites on September 24, 2026. Xero's post-October 1, 2026 US rates are $27, $59, and $97. The first-organization offer is $2.50, $5.50, and $9 for 6 months, through September 30, 2026. Zoho extra users are $3/mo, or $2.50 billed annually. Square invoice ACH is 1% with a $1 minimum on Free, and a $10 cap on Plus and Premium.
Mistakes to Avoid
- ×
Ordering QuickBooks Simple Start or Xero Early because the dollar is lower, then finding inventory or an open invoice count on the next plan.
- ×
Treating Stripe, Square, or PayPal as the books, when they collect the invoice and the close is still QuickBooks, Xero, or Zoho Books unless the accountant works from the sync.
- ×
Counting FreshBooks clients as active names only, when archived clients use the same cap and only deleting a client frees the slot.
- ×
Calling Zoho Books or Wave unlimited because a tier has no software fee, when Zoho's free plan ends at a revenue line and an invoice count, and Wave reminders start on Pro.
- ×
Signing BILL Essentials and expecting QuickBooks to update itself, when that sync is Team and the ACH fee is still extra.
- ×
Putting Sage Intacct on a shortlist with a blank price and treating the blank as zero, when the public offer is a quote request.
Expert Tips
- →
Write one real customer invoice, on the terms you offer, using the plan you would buy, because a trial of the wrong tier never shows that bill.
- →
Put the card rate beside the subscription on a $5,000 invoice and a $500 invoice. Square Free, Stripe, and FreshBooks change rank as the invoice grows, and capped Square ACH on Plus is the bank-payment answer.
- →
If more than one employee will open the file, price the person before the demo: Xero has no per-user fee, BILL charges another seat, and Invoice Ninja requires Enterprise.
- →
Keep the ledger the accountant already signs, and use Stripe or BILL for collection. Compare the ledgers in QuickBooks vs Xero.
- →
On Xero, write the US increase date on the order, because the list moves that day and the new-organization discount ends the day before.
- →
Do not migrate history into Zoho Books Free if you might pass the free invoice count or revenue line. The wider free set is the free invoicing software guide, and Standard is the paid step.
- →
For a product company, run one invoice through QuickBooks Plus and Zoho Books Professional: one is a user-capped US file with inventory, and the other adds a second currency.
Red Flags to Watch For
- !
QuickBooks Simple Start is the wrong order for a product company, because the list rate is $38/mo and inventory tracking is not on that plan.
- !
Xero Early is $25/mo after the intro and stops at 20 invoices and 5 bills, so weekly billing leaves that plan in the first month.
- !
Zoho Books Free ends when financial-year revenue passes $50,000 or you pass 1,000 invoices, so it is not an unlimited file.
- !
FreshBooks Lite is $23/mo, does not list retainers or proposals, and counts archived clients, so a real client book has already outgrown it.
- !
- !
Sage Intacct publishes no list price, so a demo is not a number you can put next to Plus, and a blank cell is not zero.
The Bottom Line
QuickBooks Online Plus is the B2B invoice when the bill has to live in the US file the accountant signs, and a product company on a lower plan will send bills that cannot carry stock. Xero Growing is the buy when logins should be free of a per-person charge and one currency is enough. Zoho Books Standard is the lower organization price until a second currency forces Professional.
Stripe Invoicing is the percentage to add when customers already pay on Stripe, and it does not replace the ledger underneath. BILL is the per-user seat when accounts payable shares the login, and Team is the sync, while Essentials leaves a CSV at month end. FreshBooks Plus, Wave Pro, and Invoice Ninja Pro fit a shorter client list that does not need stock on the invoice.
Square fits a US company that also takes cards in person and can bill in one currency. Sage Intacct is the quote when that small-business file is finished and a printed monthly rate is no longer how you compare.
Cite this: Toolradar, "Best invoicing software for B2B companies 2026", September 2026. Prices were read on vendor pages that month. No paid placement.
Frequently Asked Questions
What is the best invoicing software for B2B companies in 2026?
QuickBooks Online Plus is the best fit for most US B2B companies in 2026 when the invoice and the books must be one file. Xero Growing fits a team that should not pay per login. Zoho Books Standard, at $15/mo billed annually, fits a company inside 5,000 invoices a year. Stripe Invoicing Starter fits a company that already charges on Stripe, at the percentage in the short answer. BILL Essentials fits a team that also pays vendors, on the per-user rate in the comparison.
How much does QuickBooks Online cost if we send invoices?
The US list is Simple Start at $38/mo, Essentials at $85/mo, Plus at $140/mo, and Advanced at $340/mo for 25 users. Inventory tracking sits on Plus and Advanced, so a goods company on Simple Start still cannot put stock on the bill. The offer is 50% off for 3 months on all four plans, so the renewal is the list rate, and a Free plan covers 1 user and 2 invoices a month. Two accountant seats come with the first three plans.
How much does Xero cost for a company that invoices other businesses?
Growing is $55/mo after the intro and does not charge a license per user, which is why several people should price it before a per-seat ledger. Early is $25/mo and allows 20 invoices, so weekly billing leaves that plan in the first month, while Established at $90/mo adds multiple currencies and project time. On October 1, 2026 those list rates become $27, $59, and $97. New US organizations can take 90% off for 6 months through September 30, 2026, which is $2.50, $5.50, and $9, before online payments add a fee.
Is there a free invoicing tool a B2B company can use?
Zoho Books Free stays available while financial-year revenue is at or under $50,000, with 1,000 invoices a year and recurring invoices included. Wave Starter has no software fee for unlimited invoices, and reminders start on Pro at $19/mo. Invoice Ninja Free allows 5 clients with unlimited invoices. Square Free is $0/mo per location and charges 3.3% + 30¢ on invoice cards, so the software is free and the rail is not, and those caps are the price of free.
Stripe Invoicing or FreshBooks for a services company?
Stripe Invoicing Starter is 0.4% of the paid invoice, with no monthly software fee, and Plus at 0.5% adds quotes, while the card rate is still charged on top. FreshBooks Plus is $43/mo and includes proposals and retainers, with archived names inside the client cap, and Premium is $70/mo for unlimited clients, with each team member at $11/mo. Pick Stripe when the customer already pays you there. Pick FreshBooks when the retainer and the reminder are the product and the books can stay elsewhere.
Does BILL replace QuickBooks or Xero?
No. BILL sends the invoice and, on Team at $65/user/mo, syncs with QuickBooks Online and Xero, while Essentials at $49/user/mo moves the books by CSV and Corporate is $89/user/mo. A bank ACH is $0.59 on top of the seat, so the person price is not the cost of getting paid. The books those accountants sign are still a separate subscription, which is why the ledger comparison is QuickBooks vs Xero and the collection comparison is the B2B payments guide.
What do customers pay on top of the software when they pay an invoice?
Stripe adds its invoicing percentage to the method fee, and domestic cards are 2.9% + $0.30, so a card payment is two charges. FreshBooks Payments uses that same card rate and 1% on a US bank transfer. Square Free charges more on an invoice card than its paid plans, and Plus caps invoice ACH. PayPal lists cards at 2.99% + $0.49, and Pay by Bank uses that same bank percentage with a $10 cap, while Wave Starter adds a higher fixed fee. Put that rate on a real invoice before you treat a free tool as cheaper.
Cite this page: Toolradar, "Best Invoicing Software for B2B Companies in 2026", updated September 2026, https://toolradar.com/guides/best-invoicing-software-for-b2b-companies
Sources
Prices and plan details on this page come from each vendor's own pricing page, re-checked by the Toolradar pricing tracker:
- QuickBooks Online pricing, checked
- Xero pricing, checked
- Zoho Books pricing, checked
- Stripe Invoicing pricing, checked
- BILL pricing, checked
- FreshBooks pricing, checked
- Wave pricing, checked
- Invoice Ninja pricing, checked
- Square Invoices pricing, checked