10 Best InvoiceMate Crypto Alternatives In 2026

Choosing other Best InvoiceMate Crypto Alternatives is putting efforts toward accommodating all your requirements such as robust billing tools, time-tracking features, multiple currencies escrowing, or crypto payments processing.

As of 2026, a variety of systems substituting or complementing InvoiceMate goes from conventional invoicing suites to crypto- ready gateways assisting freelancers and companies to get paid faster, manage finances more transparently, and add modern payment systems easily.

What is InvoiceMate?

Companies which lack financing alternatives can find value in InvoiceMate’s solution. Using blockchain and AI technology invested in InvoiceMate’s solution tend to be seamless and efficient for SMEs.

These companies can convert invoices to credit and access financing alternatives, while Banks can be confident in their financing decisions, based on verified and immutable invoices. With InvoiceMate, SMEs, and banks, Along with blockchain technology, find efficient and automated solutions to comply with regulations.

In InvoiceMate’s system, DeFi on ZIGChain, and tokenized credit, Investors find retail opportunities in institutional grade financing. With InvoiceMate, SMEs, Banks and Blockchain technology in Invoice Management find Trust, Speed and Simplicity.

Key Points Table

Platform	Key Point Highlight
Invoice Ninja	Open-source invoicing with built-in time-tracking, recurring billing, and 40+ payment gateway integrations.
FreshBooks	Intuitive invoicing and accounting software with strong expense tracking and integrated time-tracking for freelancers.
Zoho Invoice	Free forever invoicing solution, GST/VAT compliant, with automated reminders and project time-tracking.
QuickBooks Online	Enterprise-grade accounting suite with invoicing, payroll, compliance, and advanced reporting for scalability.
Wave	Free invoicing and accounting software with unlimited invoices; optional paid payment processing and payroll add-ons.
Xero	Global accounting SaaS with multi-currency invoicing, 1,000+ integrations, and strong compliance features.
Square Invoices	Seamless integration with Square POS, recurring invoices, contracts, and ACH transfers for retailers and service providers.
Invoicera	Workflow automation, multi-currency invoicing, project time-tracking, and scalable plans for SMEs and enterprises.
Invoice My Clients	Affordable, simple invoicing tool for freelancers and agencies with basic time-tracking and recurring billing.
Coinbase Commerce	Crypto-native invoicing and payments with ~1% transaction fee, supporting Bitcoin, Ethereum, and stablecoins.

1. Invoice Ninja

For freelancers and small businesses, Invoice Ninja is best considered an alternative to InvoiceMate owing to its versatility as an online invoicing and billing platform. Invoice Ninja is free for up to 20 clients at a time and has a Pro plan at $9.99/month, and an Enterprise tier for $14, with other features.

A customer can receive payments through over 40 different conduit such as Stripe, PayPal, and Square, and is allowed to create professional invoices and enable recurring billing.

The application supports time tracking and project billing as well, allowing users to convert their tracked hours into invoices. Standard payment processing fees will apply (For example, Stripe is 2.9% + 30 cents per transaction). You can also customize templates and client portals.

Invoice Ninja Features

• An open-source invoicing application with free and paid plan options.
• Offers recurring billing, expense management, proposal management, and project management.
• Built-in time tracking tool for freelancers and agencies.
• Supports multiple currencies and languages.
• 39 payment gateway integrations and PayPal and Stripe.
• High level of customization through a self-hosted option for privacy.

Invoice Ninja

Pros	Cons
Free plan available; open-source flexibility	Self-hosted version requires technical setup
Built-in time-tracking and project management	Interface less polished than premium SaaS tools
Supports 40+ payment gateways	Limited advanced accounting features
Highly customizable	Scaling beyond small teams may need upgrades

2. FreshBooks

FreshBooks is your best option for crypto alternatives to InvoiceMate. Starting at about $15 to $26 monthly (with numerous promotional offers), customers get more than just invoicing. Users get time tracking, expense management, accounting tools, and more.

Every plan offers unlimited invoices and clients that can be automatically billed, set on recurring cycles, and for which users can receive credit card/ACH payments. Automated reminders can also be set for invoice payments.

Users can also receive expense tracking and reporting, create proposals, and access the mobile FlexBooks to track time on the go. Time tracking is incorporated in both mobile and desktop versions. Payment processing fees vary depending on the methods used.

FreshBooks Features

• Accounting and invoicing in the cloud.
• Expense management, proposal management, automated reminders, tracking, and reporting.
• Built-in time tracking for billing.
• Payment receiving via credit card, ACH, and Paypal.
• Good mobile app and customer service.
• Best fit for freelancers/small businesses that require a simple tool.

FreshBooks

Pros	Cons
Intuitive interface, easy for beginners	Higher cost compared to free alternatives
Strong time-tracking and expense management	Limited customization for invoices
Good customer support	Advanced reporting requires higher-tier plans
Integrates with PayPal, Stripe, and bank feeds	Best suited for small businesses, not large enterprises

3. Zoho Invoice

Zoho Invoice is a highly affordable (often free for basic plans) best InvoiceMate crypto alternative focused on invoicing and client billing. Users can create customized GST-compliant invoices, automate recurring bills, send payment reminders, and track time spent on projects.

It integrates with payment processors (like Stripe, PayPal, UPI, cards, and net banking) and niche ecosystems like Zoho CRM.

The free tier allows sending up to a set number of invoices annually, and advanced plans unlock more features. Zoho Invoice also includes a client portal, expense tracking, and basic analytics — ideal for Indian and global small businesses.

Zoho Invoice Features

• Free for an unlimited time invoicing application.
• GST compliant invoicing with recurring billing and automated reminders.
• Built-in time tracking for projects and tasks.
• Seamless integration with Zoho Books, CRM, and other Zoho applications.
• Supports UPI, card, and net banking payments.
• Most suited for start-ups and small and medium-sized enterprises in compliance heavy areas.

Zoho Invoice

Pros	Cons
Free forever plan	Limited integrations outside Zoho ecosystem
GST-compliant invoicing	No payroll or full accounting features
Automated reminders and client portal	Advanced analytics require Zoho Books
Built-in time-tracking	Best for SMEs, not large enterprises

4. QuickBooks Online

With complete invoicing, expense management, tax capabilities, and financial reporting, QuickBooks Online is a feature-rich accounting application that is the finest InvoiceMate cryptocurrency substitute.

With tiered services that include capabilities like inventory, payroll, and advanced reporting, prices usually start around $25 to $30 per month. Features for invoicing include payment links, automated reminders, and editable templates.

You can run client-level profitability reports, sync bank transactions, and keep track of billable hours with QuickBooks.

It is particularly effective for companies that require more complex accounting features in addition to billing. QuickBooks Payments is used to handle payments, and there are related transaction costs.

QuickBooks Online Features

• Entire accounting solution, invoicing, payroll, and expense management.
• Automated bank reconciliations and reporting with artificial intelligence.
• Time entries and work hours can be captured through integrations.
• Compliance features are designed for seamless tax and audit compliance.
• More than one pricing model to allow for growth and expansion.
• Ideal for expanding companies and businesses requiring intricately designed accounting solutions.

QuickBooks Online

Pros	Cons
Comprehensive accounting + invoicing	Higher monthly fees
Strong compliance and tax features	Learning curve for new users
AI-powered bank feeds	Time-tracking requires add-ons
Scalable for enterprises	Overkill for freelancers or micro-businesses

5. Wave

Wave is the greatest cryptocurrency substitute for InvoiceMate, providing free accounting and invoicing software with no monthly costs; payment processing is its only expense.

You can add a logo, create an infinite number of invoices, make estimates, and link online payments using normal costs (around 2.9% + $0.60 for cards, about 1% for bank transfers).

There are options for simple spending monitoring, recurring bills, and receipt scanning. Although it doesn’t have sophisticated project time tracking, its straightforward dashboard makes it great for microbusinesses and independent contractors.

Bank feeds and recurring automation are included in Wave’s optional Pro package, which costs about $16 per month.

Wave Features

• Accounting and invoicing interface are complementary and cost nothing.
• Clients, receipts, invoices and documents are not limited in numbers.
• Charges for payments are as follows (2.9% and $0.60 for each payment).
• Tracking spending and payroll are extra services you can add.
• Time tracking is there, not for sophisticated needs though.
• Suitable for very small companies who want to invoicing to be free with some additional services.

Wave

Pros	Cons
Free invoicing and accounting	Limited time-tracking
Unlimited invoices and clients	Payment fees are relatively high
Easy-to-use interface	Payroll only available in select regions
Ideal for freelancers and small businesses	Lacks advanced enterprise features

6. Xero

For small to medium-sized enterprises that require invoicing linked to complete accounting, Xero is a potent cloud accounting suite and the finest cryptocurrency substitute for InvoiceMate. Plans range from $15 to $78 a month, depending on the features and size of the company.

Payroll connectivity, bank reconciliation, multicurrency billing, unlimited invoicing, and expenditure management are all supported by Xero. Although it interfaces with numerous payment channels, it lacks integrated cryptocurrency payments.

Time tracking is possible through connections, and Xero’s interface combines invoicing, financial management, and real-time cash flow tracking. Businesses who desire invoicing along with thorough bookkeeping and more in-depth analytics will find it suitable.

 Xero Features

• Accounting, invoicing, quoting, and payroll for anywhere in the world.
• Reporting and compliance features are present and updated.
• Time entries and work hours can be captured through integrations.
• There’s more than 1,000 apps for integrations and other purposes.
• Great for companies with international reach due to excellent support for multiple currencies.
• Most suitable for small and medium enterprises with global accounting and invoicing needs.

Xero

Pros	Cons
Global invoicing and accounting	Monthly fees higher than Wave/Zoho
1,000+ app integrations	Time-tracking requires third-party apps
Strong compliance and reporting	Can be complex for beginners
Multi-currency support	Best suited for SMEs, not freelancers

7. Square Invoices

Square Invoices is a mobile-friendly cryptocurrency alternative to InvoiceMate that allows you to send an infinite number of invoices for free. It accepts credit/debit cards and ACH for transaction fees, which are approximately 2.9% + 30¢ per invoice on the free plan.

Milestone billing, custom layouts, and batch invoicing are all included in a Plus subscription (≈ $20/month). Real-time invoice status tracking and automated reminders are available.

Square’s ecosystem is perfect for retail or service firms that currently use Square payments because it connects to POS systems. Although it’s not native, time tracking works nicely with other Square features.

Square Invoices Features

• There is no cost. There are charges for payments (2.6% and $0.15 for each payment).
• Advanced features, such as invoices that recur and contracts, are in paid tiers.
• ACH is supported.
• POS Square ecosystem and other apps available to you.
• Works well with other Square tools, even if time tracking is limited.
• Ideal for businesses that make payments easily and issue invoices with no complication.

Square Invoices

Pros	Cons
Free plan available	Transaction fees apply (2.6% + $0.15)
Seamless integration with Square POS	Limited time-tracking
Recurring invoices and contracts	Advanced features require paid tiers
Ideal for retailers and service providers	Not designed for complex accounting

8. Invoicera

Offering online invoicing and billing with support for subscription billing, recurring invoices, and numerous payment channels, Invoicera is a well-known top InvoiceMate cryptocurrency substitute. Although precise pricing varies and is frequently determined by business needs, basic programs may begin with accessible monthly or annual rates.

It offers reporting analytics, scheduled reminders, and editable templates. However, in comparison to rivals, time tracking and sophisticated reporting may be restricted. Businesses looking for straightforward, dependable invoicing with extensive worldwide payment support may choose Invoicera.

Invoicera Features

• Invoicing in several currencies is seamless and can be set to recur.
• Expense management and project time tracking functionalities are available.
• Automated workflow and customized branding.
• Flexible pricing models for SMEs and enterprises.
• Tax and audit features are ready for compliance.
• Best for enterprises that require global invoicing and scalable solutions.

Invoicera

Pros	Cons
Multi-currency invoicing	Higher pricing tiers for enterprises
Workflow automation and branding	Interface less modern than competitors
Built-in project time-tracking	Limited integrations compared to Xero/QuickBooks
Scalable for SMEs and enterprises	Best for larger teams, not freelancers

9. Invoice My Clients

For small and medium-sized enterprises, Invoice My Clients is an online invoicing and billing software that serves as the finest cryptocurrency substitute for InvoiceMate. It enables you to manage recurring invoicing, create polished, branded invoices, and monitor unpaid and paid statuses in real time.

The program facilitates income reporting, integrated spending management, and several payment methods through gateways like PayPal and credit cards.

Although it isn’t usually built in, time tracking can be added through connectors. Freelancers and service providers who value clarity in cash-flow management will find it useful due to its emphasis on simplicity and payment tracking.

 Invoice My Clients Features

• Simple invoicing tool for freelancers and agencies.
• Client management, simple invoicing, and recurring billing.
• Limited time tracking for small teams.
• Priced affordably (more than $15/month).
• Uncomplicated interface with features accounting is complex.
• Best for solopreneurs who need an uncomplicated system.

Invoice My Clients

Pros	Cons
Affordable pricing	Limited advanced features
Simple invoicing and recurring billing	Basic time-tracking only
Easy-to-use interface	Not suitable for enterprises
Best for freelancers and agencies	Few integrations

10. Coinbase Commerce

The greatest cryptocurrency substitute for InvoiceMate is Coinbase Commerce, which emphasizes cryptocurrency payments and invoice-linked payment acceptance above comprehensive invoicing software.

It facilitates instant settlement to merchant wallets, interacts with e-commerce and invoicing systems, and allows businesses to accept cryptocurrency payments (such as Bitcoin, Ethereum, and USDC) with a usual ~1% transaction cost.

You create invoice badges or cryptocurrency-friendly payment links that customers can use to make direct wallet payments. Coinbase Commerce is perfect for companies looking to accept cryptocurrency in addition to conventional invoicing systems because it offers analytics and multi-wallet support.

Coinbase Commerce Features

• Payment gateway that is crypto-native.
• Setup is free with around 1% fee on transactions.
• Supports stablecoins, Bitcoin, Ethereum.
• Available instant settlement to fiat.
• Invoicing features are basic and integrated with e-commerce.
• No time tracking, but ideal for companies first on blockchain technology.
• Best for merchants who prioritize payments in crypto.

Coinbase Commerce

Pros	Cons
Free setup, low fees (~1%)	No time-tracking
Accepts Bitcoin, Ethereum, stablecoins	Limited invoicing features
Instant fiat settlement available	Not a full accounting solution
Integrates with e-commerce platforms	Best for crypto-first businesses only

Key Criteria for choosing an InvoiceMate alternative

Subscription Evaluation

Examine subscription features, transaction costs, and other miscellaneous fees. If you are budget constrained, look for no-cost options such as Wave and Zoho Invoice before moving to QuickBooks or Xero for high-end accounting and scalability features.

Payment Gateways and Cryptocurrency

Look to support several gateways such as Stripe and PayPal along with ACH and crypto options. For invoicing and multi-currency support, there are options like Invoice Ninja and Invoicera. For PayPal and other digital wallets, they are are good options, and for Blockchain payments, there are Coinbase Commerce and other similar platforms.

Security and Compliance

Look for platforms with strong encryption, regulatory compliance like GST or VAT, and automation. For regulatory compliance, Zoho Invoice and QuickBooks are good options, and for crypto businesses, there are Coinbase Commerce and others for security compliant with blockchain technology.

Project Management and Time Tracking

For Freelancers, there are options such as Invoice Ninja, FreshBooks, and Invoicera, all with time tracking functionality. For agencies, there needs to be project management functionality for seamless billing, accurate, and reliable invoicing correlated to work completed alongside time tracking.

Integration with Tools and Ecosystem

Look for compatibility with CRM systems, Point of Sale, and Accounting Applications. Flexible integration with more than 1,000 apps is offered by Xero, and for Point of Sale, Square Invoices provide integration. Zoho Invoice works seamlessly with the entire Zoho SaaS products.

Flexibility and Advancement

For Freelancers, light weight options like Invoice My Clients are probably best. For Large companies, there are more advanced options with QuickBooks Online or Invoicera for better Automation, Customization aligned to Branding for large teams, and advanced workflows.

User Experience & Support

Prioritize platforms with an intuitive design and excellent customer service. Wave and FreshBooks shine with ease-of-use, while Xero and QuickBooks offer more complex features with reporting, dashboards, and enterprise-level support.

Conclusion

Business size, compliance requirements, and cryptocurrency adoption all play a role in selecting the best InvoiceMate substitute. Invoice Ninja, FreshBooks, and Invoice My Clients are the most cost-effective and time-tracking tools for freelancers. Zoho Invoice, Wave, and Square Invoices, which provide free or inexpensive invoicing with automation, are highly valued by SMEs.

For advanced accounting and reporting, businesses that need scalability and compliance should think about using Xero, Invoicera, or QuickBooks Online.

Coinbase Commerce is unique for cryptocurrency-native companies because of its blockchain payments, quick settlements, and affordable costs. When combined, these platforms offer scalable, secure, and adaptable invoicing solutions that go beyond InvoiceMate’s primary products.

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