SQBest all-rounder
Square
A practical all-in-one choice for businesses that invoice customers and also take payments face to face.
2.2% online and invoice paymentsWhy we picked it → Independent Australian comparison
Keep more of every invoice.
Compare the real cost of invoicing and getting paid—using your sales, your customers and the way your business actually works.
- 19
- providers reviewed
- 10
- practical guides
- $0
- cost to compare
LIVE COST CHECK
Your typical month
Rates checkedWhat could online card fees cost?
28 Aug 2026
Difference between highest and lowest estimate$53 / month
Domestic online or invoice card rates only. This is a cost estimate, not a product recommendation. It excludes plan, hardware, international-card, refund and other charges.
Open the full fee calculator →TRADIES ✦ CONSULTANTS ✦ RETAILERS ✦ CREATORS ✦ BOOKKEEPERS ✦ SERVICE BUSINESSES
01 / START HEREThree strong starting points.
Three strong starting points.
Three different jobs.
There is no universal winner. Begin with the problem you need the product to solve.
ZEBest Australian payments suite
Zeller
Australian invoicing, payment links, EFTPOS and business accounts with competitive domestic-card pricing.
1.7% + $0.25 domestic invoice paymentsWhy we picked it →ZOBest free invoice software
Zoho Invoice
A genuinely free invoicing product with reminders, recurring invoices and a customer portal.
Software free; gateway fees applyWhy we picked it →02 / THE METHOD
We compare what lands on the statement—not just the biggest number on the ad.
Read the full methodology →Total cost
Percentage, fixed, subscription, hardware and avoidable extras.
Business fit
The payment channel, customer and workflow each tool serves best.
Useful friction
Setup, support, reconciliation and the customer's checkout experience.
Honest limits
Where a provider is weaker, excessive or simply the wrong tool.
03 / FIELD NOTESAdvice for the moment
Advice for the moment
a real decision is due.
Current, plain-English guides written around Australian small-business situations.
Buying guide
Best invoicing software in Australia: choose by the work you do
A practical comparison of free invoice tools, accounting platforms and payment-led systems for Australian small businesses.
9 min readRead →
TradiesBest invoice app for Australian tradies
What a mobile trade business should check before choosing Square, Zeller, Xero, QuickBooks or a free invoice app.
8 min readRead →
Head-to-headSquare vs Zeller for Australian small business
A fee and workflow comparison for invoices, payment links and in-person card acceptance.
8 min readRead →
Head-to-headXero vs QuickBooks in Australia
Compare the accounting-led approach to invoicing, integrations, pricing and everyday administration.
9 min readRead →
CostsCheapest card payment system in Australia: calculate your real rate
Why the cheapest percentage is not always the lowest monthly bill, with worked examples for Australian businesses.
10 min readRead →
Getting paidPayment links for Australian small business
How payment links work, what they cost and which controls to check before sending one to a customer.
7 min readRead →
✓SOURCE
CHECKED
CHECKED
Pricing discipline
Build your shortlist →Rates are dated and linked to provider sources.
We show when information was checked, explain what is excluded and direct you to the official Australian provider page before you commit.