Invoicing software for small business
Choose the invoicing software that small businesses love for its ease of use and the time it saves them. Xero online accounting software for small businesses includes invoicing and much more.
Professional small business invoices
Details are clearly presented and invoices well laid out with your own logo and business info.
Send invoices anywhere, any time
Create and send an invoice from the mobile app or desktop software as soon as the job is done.
See who’s paid and who hasn’t
View the status of your invoices – unsent, sent, paid or overdue – in the invoicing software.
Let Xero chase late payments
Set up your billing system so the software automatically sends payment reminders for you.
Billing software that gets small businesses paid
More time for your customers, less time at your desk. Send polished invoices fast, and automatic reminders handle the follow-up for you.
3 ways to make billing the easy part of your day
Keep cash moving and give yourself more time for the work that grows your business.
Look professional in a few simple steps
Customizable templates help you quickly create branded invoices and quotes, so you spend less time on paperwork.
More ways to get paid
Your customers can pay online using credit cards, Apple Pay, ACH Debit, or Buy Now, Pay Later via Klarna.
Follow-ups on autopilot
Automated reminders give your invoices the attention they need while you get on with your day.
Put your brand on every invoice
Create every bill faster with invoicing software that remembers the details. Add your logo and payment terms with branding themes, and let Xero auto-fill customer and item details. Turn quotes into invoices too, so there’s less admin between saying yes to a job and billing for it.
Create and send quotes with Xero's quoting software
Want customers to pay their way?
With online billing software, your customers pay from the Review and pay button by credit card, Apple Pay, ACH Debit, or Buy Now, Pay Later via Klarna. In person? Use Tap to Pay on your phone. Xero customers who use online invoice payments get paid up to twice as fast. Payment fees apply.
Accept online invoice payments with Xero
Spot who’s paid at a glance
When cash flow matters, draft, sent, paid, and overdue statuses keep you posted. The Accounts Receivable Aging Summary report shows you who owes what. 81% of customers agree Xero’s online invoice payments help them get paid on time.* *Source: Xero survey of 104 US small businesses, May 2024. *Source: Xero survey of 104 US small businesses, May 2024.
Read the invoicing guide for small businesses
Let Xero handle the chasing and repeat work
Set automated reminders to go out before or after the due date, and let recurring invoices look after regular customers. Send invoices by SMS with a link to pay online, and they’re paid the same day on average! JAX (Just Ask Xero) drafts invoices via WhatsApp, SMS, or email for you to check first.
Send invoices on the go with the Xero Accounting app
FAQs on Xero's billing software for small businesses
Billing software for small businesses is a tool that creates and sends invoices, then tracks the payments you're owed. Xero's online invoicing software keeps your billing connected to your accounting, so you can see what's been paid and what's still due.
Billing software for small businesses is a tool that creates and sends invoices, then tracks the payments you're owed. Xero's online invoicing software keeps your billing connected to your accounting, so you can see what's been paid and what's still due.
Billing is the whole process of charging customers and collecting payment, while an invoice is the document that asks a customer to pay. With Xero, you can send invoices, accept online payments, and follow up on unpaid ones in one place.
Billing is the whole process of charging customers and collecting payment, while an invoice is the document that asks a customer to pay. With Xero, you can send invoices, accept online payments, and follow up on unpaid ones in one place.
Yes, Xero helps you accept online invoice payments, so customers can easily pay with the Review and pay button on your invoice.
Ways your customers can pay include:
- credit cards
- Apple Pay
- ACH Debit
- Buy Now, Pay Later via Klarna
- Tap to Pay, in person on your phone
Payment fees apply to online invoice payments.
Yes, Xero helps you accept online invoice payments, so customers can easily pay with the Review and pay button on your invoice.
Ways your customers can pay include:
- credit cards
- Apple Pay
- ACH Debit
- Buy Now, Pay Later via Klarna
- Tap to Pay, in person on your phone
Payment fees apply to online invoice payments.
Absolutely. The Xero Accounting app lets you create and send invoices from your phone, so you can bill a customer as soon as the job's done. You can also send invoices by SMS with a link to pay online.
Absolutely. The Xero Accounting app lets you create and send invoices from your phone, so you can bill a customer as soon as the job's done. You can also send invoices by SMS with a link to pay online.
Definitely. Xero sends automated reminders before or after an invoice's due date, on a schedule you choose. Connect your bank account to Xero, and reminders stop once payment arrives.
Definitely. Xero sends automated reminders before or after an invoice's due date, on a schedule you choose. Connect your bank account to Xero, and reminders stop once payment arrives.
Yes. Set up recurring invoices for regular work, and Xero repeats them for you. Need to bill several customers at once? Group invoicing does it in one go. See what else comes with Xero accounting software.
Yes. Set up recurring invoices for regular work, and Xero repeats them for you. Need to bill several customers at once? Group invoicing does it in one go. See what else comes with Xero accounting software.
You can. A spreadsheet works for simple billing, and billing software like Xero takes it further with automated reminders, online invoice payments, and all your invoices kept together with your accounts.
You can. A spreadsheet works for simple billing, and billing software like Xero takes it further with automated reminders, online invoice payments, and all your invoices kept together with your accounts.
The cost depends on the Xero plan you choose: Early, Growing, or Established. The Early plan has an invoice limit, and payment fees apply to online invoice payments. Compare the plans to find your fit and get one month free.
The cost depends on the Xero plan you choose: Early, Growing, or Established. The Early plan has an invoice limit, and payment fees apply to online invoice payments. Compare the plans to find your fit and get one month free.
Billing software helps your cash flow by getting invoices out sooner and making it easier for customers to pay on time. Xero helps you see what's owed and that way you can plan ahead. For more on managing your finances, see the Small Business Administration (SBA) guide.
Billing software helps your cash flow by getting invoices out sooner and making it easier for customers to pay on time. Xero helps you see what's owed and that way you can plan ahead. For more on managing your finances, see the Small Business Administration (SBA) guide.
Pay your bills at no extra cost
Free standard ACH bill payments are now included in Xero business plans.*
Early
for the first 6 months
Then $27 per month
An easy financial foundation - track cash flow with the essentials.
- Send quotes and 20 invoices†
- Accept online invoice payments^
- 5 bills
- Reconcile bank transactions
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with basic graphs
- 30 day cash flow forecast
- Make online bill payments (Domestic - Free ACH)
- Make online bill payments (Cross Border)
Growing
for the first 6 months
Then $59 per month
Go beyond the basics - automate tasks and access performance dashboards.
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Reconcile bank transactions
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with graphs
- 60 day cash flow forecast
- Make online bill payments (Domestic - Free ACH)
- Make online bill payments (Cross Border)
- Customize performance dashboards
- Tailored financial health scorecards
- Budget with smart suggestions
- Auto-reconcile transactions
Forecast with clarity
Forecast with clarity
Established
for the first 6 months
Then $97 per month
Future proof your scaling business - with advanced tools and analytics.
- Send invoices and quotes
- Accept online invoice payments^
- Automate bill entry and track bills
- Reconcile bank transactions
- Smart Document Capture
- View real-time reports
- W-9 + 1099 management
- Sales tax
- Visualize performance with graphs
- 180 day cash flow forecast
- Make online bill payments (Domestic - Free ACH)
- Make online bill payments (Cross Border)
- Customize performance dashboards
- Tailored financial health scorecards
- Analyze KPIs and ratios
- Use multiple currencies
- Track time and costs for projects
- Employee expense and mileage claims
- Benchmark against the industry
- Make online bill payments (International)
- Budget with smart suggestions
- Auto-reconcile transactions
Xero reserves the right to change pricing at any time. All prices are listed in USD and do not include applicable taxes. Taxes will be calculated based on your billing address before you enter your payment information. Your monthly recurring total will be updated accordingly in the following steps. Xero subscriptions auto-renew monthly until they are cancelled. If you later decide to change to a less expensive plan you can do so 1 month after upgrading.
*New customers get 90% off for the first 6 months, then Xero’s regular price will apply and auto-renew monthly until cancelled as described in our Terms of Use. Only available to customers in the United States purchasing their first organization on xero.com. Offer available until 11:59pm UTC on November 2, 2026 using code DC90626310US. Discount applies to base Early, Growing, Established plan subscriptions and does not apply to any additional charges for add‑ons, usage and payment fees, unless otherwise specified. This offer cannot be used with, or exchanged for, any other offer. Xero can change or cancel this offer at any time.
†Invoice limits for the Early plan apply to both approving and sending invoices. Transactions initiated by app partners may automatically contribute to your invoice limit.
^Payment fees apply to the use of online invoice payments. See here for more information.
**Median payment times of invoices with a payment service included and sent via SMS by customers using Xero in US from 9/1/2024 to 3/31/2025 (compared to invoices sent by email and without payment service included).
a. ††Payment fees may apply to the use of online bill payments. Standard ACH payments are included in Xero Early, Growing and Established plans (fees apply for other payment methods). Included payments apply to standard ACH payments in USD and excludes same day ACH, international or cross border payments. Any payment fees are in addition to your Xero monthly subscription amount and are not eligible for subscription discounts and offers. Fees exclude applicable taxes. See here for more information.
Xero reserves the right to change pricing at any time. All prices are listed in USD and do not include applicable taxes. Taxes will be calculated based on your billing address before you enter your payment information. Your monthly recurring total will be updated accordingly in the following steps. Xero subscriptions auto-renew monthly until they are cancelled. If you later decide to change to a less expensive plan you can do so 1 month after upgrading.
*New customers get 90% off for the first 6 months, then Xero’s regular price will apply and auto-renew monthly until cancelled as described in our Terms of Use. Only available to customers in the United States purchasing their first organization on xero.com. Offer available until 11:59pm UTC on November 2, 2026 using code DC90626310US. Discount applies to base Early, Growing, Established plan subscriptions and does not apply to any additional charges for add‑ons, usage and payment fees, unless otherwise specified. This offer cannot be used with, or exchanged for, any other offer. Xero can change or cancel this offer at any time.
†Invoice limits for the Early plan apply to both approving and sending invoices. Transactions initiated by app partners may automatically contribute to your invoice limit.
^Payment fees apply to the use of online invoice payments. See here for more information.
**Median payment times of invoices with a payment service included and sent via SMS by customers using Xero in US from 9/1/2024 to 3/31/2025 (compared to invoices sent by email and without payment service included).
a. ††Payment fees may apply to the use of online bill payments. Standard ACH payments are included in Xero Early, Growing and Established plans (fees apply for other payment methods). Included payments apply to standard ACH payments in USD and excludes same day ACH, international or cross border payments. Any payment fees are in addition to your Xero monthly subscription amount and are not eligible for subscription discounts and offers. Fees exclude applicable taxes. See here for more information.
‡Based on published list prices for software subscription only. Plans differ in other respects.
Explore useful features to run your business
Xero’s online accounting software is designed to make life easier for small businesses – anywhere, any time.
*Fees apply for other payment methods.