New business owners on a budget would do well with Square Invoices’ transparent flat-fee rates. The only downside is that there is no cap on the fee, however, there’s also no fee for failed ACH transactions. The transaction fee for ACH payment processing is 1% with a $1 minimum. There is no fee for the basic Square invoice plan, but you can spend $20 per month to get features to help you manage projects, customize your invoices and create milestone payment schedules to make payment easier for clients. Square also lets you send automatic payment reminders to clients. You can track those invoices and estimates, along with cash flow and payments. When you add on the free invoice feature, you’ll be able to send an unlimited number of invoices and estimates. Square offers phone, live chat and email support, but its hours are limited to 6 a.m. With the basic Square download, you’ll also get access to a point-of-sale (POS) system and standard reports through the dashboard. You can only process ACH payments via Square Invoices, but it’s a free service, like its credit card payment processing service.
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