PayPal Invoicing review

PayPal Invoicing is the simplest way to bill clients who already use PayPal or Venmo. PayPal's developer documentation describes itemized invoices shared by secure link, merchant-branded email or QR code, with payment through a hosted PayPal page that accepts PayPal, Pay Later, Venmo, credit and debit cards, Apple Pay and Pay by Bank. Many customers can pay without a PayPal account, depending on region. Invoices support recurring payments, partial payments, discounts, taxes and automatic reminders, and a REST API is available if you want to send invoices from your own system. The cost is in transaction fees. PayPal's US fee page lists 2.99% plus a fixed fee for card and wallet payments on invoices, 3.49% plus a fixed fee for PayPal and Venmo checkout, 1% capped at $10 for bank payments, and an extra 1.50% on international invoices. There are no estimates, projects or bookkeeping, so it works as a payment request tool rather than a full invoicing system.

Who it is for

Sellers whose clients already pay with PayPal or Venmo and who send a modest number of invoices.

Price

No monthly fee listed; card payments on invoices 2.99% + fixed fee, PayPal and Venmo 3.49% + fixed fee, ACH 1% capped at $10.

Standard Credit and Debit Card Payments, Apple Pay, or other third-party wallets 2.99% + fixed fee
Quoted from the vendor pricing page on November 10, 2026.

Key features

• Itemized invoices shared by secure URL, branded email or QR code
• Payment by PayPal, Pay Later, Venmo, cards, Apple Pay and Pay by Bank (ACH)
• Automatic payment reminders and status tracking
• Recurring invoices, partial payments, discounts and taxes
• Invoicing REST API for creating and sending invoices from your own systems

Strengths and weaknesses

• Strength: Customers can often pay without a PayPal account
• Strength: Venmo and Pay Later at checkout
• Strength: QR codes make in-person invoice payment easy
• Weakness: PayPal and Venmo payments cost 3.49% + a fixed fee
• Weakness: International invoices add a 1.50% fee
• Weakness: No estimates, time tracking or bookkeeping

Key facts

• Card fee: 2.99% + fixed fee
• PayPal and Venmo fee: 3.49% + fixed fee
• Pay by Bank (ACH): 1%, capped at $10
• International surcharge: 1.50% on invoicing transactions

Where it ranks

PayPal Invoicing is No. 5 in our Best Free Invoicing Software verdict.