We currently use Quickbooks Online but the options for invoice customization are limited and the interface is horrendous.
We're looking for something that can:
- link up with our banking
- accept both credit card and ACH payments (with limited fees on both)
- allow recipients to pay online
- create pretty invoices :)
Square looked great but currently does not allow payments via ACH.
A very basic option I often use and recommend is PayPal. It misses your last option on creating pretty invoices, but is free and easy to use, generally reasonable fees (international fees + exchange work out worse, but inside your own country they're not much if any more than standard credit card 2.9% + 30¢), and they do work with bank transfers albeit they're somewhat slower than a credit card transaction.
For a more geeky option, Stripe can send fully customizable invoices—and accept payments via a crazy wide array of services including ACH—though you'll have to make an API call to create a new invoice. With a bit of custom webhooks/code work, you could use something like Zapier to automatically make Stripe invoices if you want. More time to set up initially, but quicker over time.
For something a bit easier to use, Harvest has a free plan to send unlimited invoices that accept ACH transfers, though only with 2 active projects, so you have to be a bit hacky in how you create the invoices. Or, the best option might be Wave, a full accounting system that's free (paid for by add-on services like payroll), and it has invoicing tools that work with ACH.
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