10 Best Online Payment & Billing Solutions for Home & Office Contractors: Get Paid While Getting Your Billing on Track


For home and office contractors, getting paid quickly and correctly is essential. Without the right payment and billing software, that could seem like an impossible task. Fortunately, the modern tools that are being put on the market today make it easier than ever for you to handle all of your payment and billing needs so that you can focus on taking care of your clients. 

No matter what kind of contracting work you do, you likely have a lot of invoices, bills, and payments to juggle. On top of that, you’re trying to run your business—when you have limited hours in the day, it can be hard to figure out where to put your focus. 

Fortunately, you can get everything back on track with the right payment and billing software. Modern technology is changing the way that home and office contractors handle their operations, offering user-friendly, scalable invoicing and payment solutions for businesses of all sizes. Whether you’re looking for a total solution for billing, or you just need additional tools to add to your stack, the software below offers everything that you need. 

Plus, when you’re ready to streamline your accounting even further, you can enlist the help of the virtual receptionists at Smith.ai to handle things like appointment booking, reminder notifications, and even 24/7 website chat to answer any billing questions or field inquiries while you take care of your business. 

1. FreshBooks

FreshBooks is great for easy accounting when you want a platform that’s intuitive, attractive, and full of tools that you can use. It offers tools for invoicing, estimates, projects, team collaboration, inventory tracking, and more. It also has a retainer functionality, making it great for contractors that require these fees. With the iOS app, you also get automatic mileage tracking to help streamline your expense reporting. 

FreshBooks offers time tracking tools along with detailed client records, anticipating the needs of freelancers and contractors much better than competitors. Although it lacks some customization features, it still delivers one of the best overall platforms that you’ll find on the market today. 

  • Free option? No
  • Price: Starts at $15 per month
  • User-friendly interface
  • Integrates with other software and tools
  • Dedicated mobile apps 
  • 2.9% flat fee for payment processing 
  • Double-entry accounting

2. Zoho Invoice

Zoho Invoice is part of the Zoho family of products, offering an easy-to-use solution for invoicing for small and mid-sized companies that need a better tool. It offers customizable features, flexible pricing models, and tons of tools that will take care of all of your accounting needs. It's super easy to use and includes quality mobile apps, too. 

Zoho Invoice has rich reporting tools and customer portals to make payments easier than ever. The customization features are beyond impressive, and although some of the tools require the assistance of a developer, the average user will find everything they need right out of the gate. Zoho also integrates with several other tools and platforms, making it easy for anyone to use. 

  • Free option? Yes, for a single user
  • Price: Starts at $9 per month
  • Branding available
  • Multiple currencies and languages 
  • Automatic payments
  • Easily convert estimates to invoices
  • Track unbilled hours and expenses

3. Wave

Wave Accounting is a software platform that works just as hard as you do. It helps you track invoices, manage your expenses, and connect everything with automation with plenty of AI features to keep it all optimized. Plus, the software offers several package levels with various customization options and lets you create professional invoices at no cost. 

If you want to use other payment and billing features with Wave, you can pay for them based on how they are charged. Some are a part of monthly membership, while others are a pay-per-use feature. The invoice software is totally free to use, while payroll software solutions are offered on a monthly basis and payment processing services are offered at a pay-per-use rate. 

  • Free option? Yes, some free features are available
  • Price: Starts at $20 per month for paid plans
  • Free professional invoices 
  • Automatic payments
  • Recurring billing
  • Pay-per-use payment processing

4. Xero

Xero is a billing and payment solution that works for all kinds of small businesses, as well as accountants or bookkeepers who want simpler software. This software offers project tracking, new business overviews, and an easy integration process. The user-friendly dashboard makes it simple to use and interactive quotes make it easy to keep up with customer needs. 

With Xero, you will find all the reconciliation tools that you need including custom invoicing and billing solutions, mobile apps, and more. Xero integrates with several different software tools, allowing you to handle all of your billing and payments in one place, including payment processing. 

  • Free option? No, but there is a free trial available
  • Price: Starts at $11 per month
  • Integrates with most payment processors
  • Makes claiming expenses and tracking projects easy
  • Connects to banks electronically
  • Mobile apps available

5. Invoicely

Invoicely offers a powerful free platform that makes it easy for you to handle all of your invoicing and payments in a single place. The full-featured software suite keeps everything organized with the ability to integrate with Stripe, PayPal, and other payment gateways to make accepting payments easy, even from mobile. Users also get unlimited mobile invoicing with iOS and Android apps. 

Tracking time or expenses is a breeze with Invoicely because of its hourly billing and payroll tracking tools. It’s easy to generate bills, create estimates, connect to customer data, and take care of all of your transactions in a single place. You can even customize and create labels for invoices, automate workflows, and more. The platform even handles all the complicated discounts, taxes, and shipping costs. 

  • Free option? Yes
  • Price: Starts at $10 per month
  • Branding options available
  • Recurring statements and  billing
  • Save client information
  • Designed for use for teams or solo users

6. Intuit QuickBooks

A lot of people have heard of Intuit QuickBooks—it’s one of the most commonly used billing and invoicing programs out there today. It integrates with all kinds of CRM tools, marketing platforms, and other software solutions. Payment processing is easy and the customization options will allow you to generate all of the business accounting documents that you need in minutes. 

Intuit QuickBooks has several iterations and variants available for its users today, which makes it a valuable choice for those small to mid-sized contractors who need something simple. There are a lot of free or cheap features of this platform, and you can choose to use QuickBooks online or through the cloud rather than installing the full software suite on your hardware. 

  • Free option? Free to try for 30 days
  • Price: Starts at $15 per month
  • The ultimate money management tool
  • Manage contractor expenses
  • Handle payroll and taxes
  • Live bookkeeping
  • Receipt capture
  • Easy app integration

7. Square

Square is one of the newest and most popular digital payment solutions available today. With several options, platforms, and tools available to help the modern business, Square is helping companies and contractors build for the future. Small home and office contractors or freelancers can benefit from this simple-to-use platform that includes payment processing hardware when you need it. 

Square makes invoicing simple and allows you to bill clients, send automated reminders, and tools to get paid on the go, online, or anywhere that you want. Square makes getting paid easier than ever and the platform will save tons of time with stored information, automated features, and impressive reporting to keep you on task. 

  • Free option? 
  • Price: Starts at $15 per month
  • Payment integrations and solutions for all contractors and service businesses
  • POS tools 
  • Robust reporting
  • Industry insights and podcasts available
  • Cashflow solutions and other resources

8. Stripe

Stripe is a payment processor, but it’s more than that. It's also a cloud-based business management tool that makes payments and billing easier than ever before. The unique software and API make integrations easy while allowing you to create your own custom tech stack to integrate with things like NetSuite, Zoom, Instacart, and others. It also offers 99.9% uptime as well as intelligent optimization for revenues and fraud recovery. 

Stripe offers hundreds of upgraded features and integrations that change with the needs of the industries that the brand serves. It includes invoicing tools, financing solutions, and features to manage all of your business spending. This platform brings it all to one place, so it’s easy to find and manage your accounting for your small contracting business. 

  • Free option? No
  • Price: Pay-as-you-go for 2.9% + 30 centers per card charge
  • No monthly or setup fees
  • Volume and multi-product discounts offered
  • Country and interchange pricing
  • Custom UI toolkit
  • 24/7 support

9. EBizCharge

EBizCharge is a unique integrated payment and billing solution that’s designed to sync your payments into your existing software. It also helps generate better business invoicing, billing, and payment solutions. EBizCharge integrates with all major software platforms, including Zoho, Microsoft Dynamics, NetSuite, and others. 

EBizCharge also offers email payment links, a customer-facing portal, mobile apps for on-the-go payments and invoicing, along with many other valuable features. There's also hardware available for physical payment processing, as well as a virtual terminal for easy online billing and payments. You'll find automated accounting tools and processing features, along with pre-built integrations with CRMs, eCommerce, and more.

  • Free option? No
  • Price: Custom pricing model by quote
  • Over 100 integrations
  • Accept payments on all channels
  • Email payment processing
  • Mobile apps available
  • Detailed reporting and insights

10. FreeAgent

FreeAgent offers a host of invoice templates and other solutions that you can customize to suit your business billing and invoicing needs. Designed especially for small businesses and contractors, this accounting software is based in the cloud. It's also scalable to your exact business needs. FreeAgent allows you to create recurring invoices, send reminders, and track expenses with ease. 

With this app, you’ll also be able to enjoy features centered around project management, automatic bank fees, estimates, and time tracking. There's a customizable dashboard and detailed reporting tools are available, as well as mobile apps for iOS or Android. There are no contract or setup fees and the program includes all the support that you need with dozens of integrative options. 

  • Free option? No, but a free trial is available
  • Price: Starts at $12 per month
  • Automated and recurring invoicing
  • Integrates seamlessly with existing software and tools
  • Unlimited users, clients, and projects
  • No setup or contract fees
  • Discounts for new customers

Get your billing—and your business—on track with the integrated solutions from Smith.ai

Billing and payments are a big part of your business. The smaller your business, the bigger they are—getting paid is hard when you’re a little guy. Fortunately, there are plenty of tools and platforms available today to assist you in collecting the money you’re owed, tracking your clients, and managing all of your business accounting in one place. Plus, the platforms available today integrate with the tools you already use, making it easier to run your business, no matter what type of contracting you do. 

When you have the right software in place, you’ll save money on your billing and be able to add more to your bottom line. Plus, you’ll be able to give your customers the mobile-friendly billing and invoicing features that they crave while streamlining everything for your business. Using these tools has never been easier. 

However, when you’re ready to make it even easier, find out how the team at Smith.ai can help with your billing, payments, and client management. From appointment booking to online live chat services, we can assist your clients with invoicing and other payment concerns. We even offer Facebook and SMS messaging solutions for those who need them. 

Schedule your free Live Chat consultation today to find out more about our virtual receptionist services and what they can do for your business. From simple customer service to overflow calling and billing follow-up, we can be the face of your brand when you need us. You can also reach us by email at hello@smith.ai or on the phone at 650-727-6484. 

Business Education
Home and Garden
Written by Xena Mensink
Xena Mensink is the owner of Fleur Noir Marketing, a full-service marketing agency that primarily caters to female business owners who want to step up their marketing game while taking a more human approach to engage with their audience. When she's not busy running her agency, Xena enjoys rock climbing, traveling to different cities to try out Instagram-worthy cuisine, and honing her photography skills.

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