Business bank accounts with free invoicing: 8 compared (2026)

Which business banking platforms include free invoicing?

Rho, Novo, Bluevine, Mercury, Found, Relay, Square and Chase all include invoicing with a business account, without a separate invoicing subscription on their base plan. Rho Invoicing is free for Rho customers; when a client pays by card, it costs 2.9% + $0.30 per card payment, absorbed by the business and not passed to the client.

Two names that come up in the same conversation work differently. Lili includes invoicing only on its paid Smart and Premium plans, and Wise lists invoicing at no extra cost but has closed card acceptance to new business customers. Both are covered below the ranked list.

We ranked platforms on four criteria: whether invoicing is included at no extra cost on the base business account, which payment methods clients can use, what it costs to receive card and bank payments, and how closely invoicing is tied to the account where the money lands.

Business bank accounts with free invoicing compared

Here is how business checking with integrated invoicing compares on fees and payment methods.

Nearly every account above charges $0 a month on its base plan, so the monthly fee is close to a tie. The payment columns are where the money is.

Take a $10,000 invoice. Paid by card, it costs the business $290.30 at Rho, Mercury or Relay, $290.60 at Bluevine, $330.30 on Square Free and $350.10 at Chase.

Paid by an ACH transfer your client sends, it carries $0 Rho fees on domestic ACH payments received at Rho, and Novo, Bluevine, Mercury and Relay also list no fee to receive ACH. The cost appears when you pull the payment instead: a $10,000 ACH direct debit costs $100 at Bluevine (1%), $10 through Relay's pay-by-bank on Starter and $1 on Mercury Plus.

The real decision is how your clients prefer to pay and where that money lands.

The 8 business bank accounts with free invoicing, ranked

1. Rho: Best for US-incorporated businesses that want invoicing, domestic ACH and wire collection, and the business account in one platform

Rho is a business banking platform where invoicing sits inside the business account. You create an invoice, send it, and the payment lands in the same business account you run the business from, so your invoices and your balance live in one place.

Rho Invoicing is free for Rho customers. When a client pays by card, it costs 2.9% + $0.30 per card payment. The business absorbs that fee, the client pays only the invoice amount, and there is no surcharge.

Clients can pay by ACH, domestic wire, check or card through the invoice's payment link, and they don't need a Rho account to do it. Card payers can use a credit card, debit card or Google Pay.

Pay-by-card has been generally available since Aug 17, 2026, for eligible businesses, with a $10,000 per day default card limit that can be configured per business. The same platform also runs Bill Pay, free to Rho customers, so money in and money out sit in one business account.

• Best for: US-incorporated businesses that want invoicing, domestic ACH and wire collection, and the business account in one platform

• What's free: Rho Invoicing for Rho customers; $0 monthly account fees; $0 Rho fees on domestic ACH payments received

• How clients pay: ACH, domestic wire, check, card (credit card, debit card, Google Pay); no Rho account needed

• Fees: 2.9% + $0.30 per card payment, absorbed by the business, never surcharged to the client

• Eligibility: US-incorporated businesses

• Good to know: card-paid invoices are marked Paid when the payout is initiated, and a new account's first card payout can take up to two weeks

2. Novo invoicing: Best for small businesses that want free invoicing with card payments through an existing processor

Novo says its invoicing is included at no additional cost with every Novo business checking account, and it advertises free unlimited invoices. The account itself carries a $0 monthly maintenance fee and no minimum balance.

Clients can pay a Novo invoice by ACH, with no fee to receive the payment into Novo. Card and wallet payments (credit card, debit card, Google Pay, Venmo) run through Novo's Stripe, Square and PayPal integrations, and checks are listed too. Novo also lists recurring invoices and automatic payment reminders.

• Best for: small businesses already set up with Stripe, Square or PayPal

• What's free: unlimited invoices; receiving ACH invoice payments into Novo

• How clients pay: ACH, check; card and wallets through integrations

• Fees: standard third-party processing fees on card and wallet payments; Novo says it adds no markup

• Watch-outs: card acceptance depends on a separate processor account, and Novo doesn't publish its own rate for it

3. Bluevine invoicing: Best for businesses that want unlimited free invoices on a no-fee checking plan

Bluevine lets Business Checking customers create unlimited customized invoices for free. The Standard plan has no monthly fee; Plus is $30 a month and Premier is $95, and Bluevine notes the no-monthly-fee terms apply only to Standard.

Without payment processing turned on, clients pay by check or direct ACH transfer. Connect Stripe and they can also pay by card, digital wallet or ACH direct debit. Bluevine lists no incoming fees on domestic wires or ACH.

• Best for: businesses that want free invoicing on a $0 checking plan and can live with a slightly higher card rate

• What's free: unlimited invoices; incoming domestic wires and ACH

• How clients pay: check, ACH transfer; card, digital wallet and ACH direct debit with Stripe

• Fees: 2.9% + $0.60 for online cards and wallets, 3.4% + $0.60 for card on file, 1% for ACH direct debit, deducted from the payment

• Watch-outs: Standard gets one reminder per invoice (Plus and Premier get up to four), custom fields are Plus and Premier only, and Standard recurring invoices require autopay

4. Mercury invoicing: Best for businesses that want unlimited invoicing on a free plan and may upgrade later

Mercury Invoicing is available only to Mercury customers, and the free plan covers unlimited invoices. Mercury says it's free for customers to pay you by ACH transfer, wire or check through Mercury.

Card payments run through Stripe at a fee Mercury describes as typically 2.9% + $0.30. Clients can also pay by credit card, Google Pay or "Pay with Mercury", and subscribers can be set up for ACH debit.

• Best for: businesses that want free invoicing now and a path to paid features

• What's free: unlimited invoicing on the free plan; receiving ACH, wire and check invoice payments

• How clients pay: ACH, wire, check, credit card, Google Pay, Pay with Mercury; ACH debit for subscribers

• Fees: Stripe card fee, typically 2.9% + $0.30; ACH debit is $1 per transaction on Plus and $0 on Pro

• Watch-outs: recurring invoices are listed under the paid Plus and Pro plans

5. Found invoicing: Best for freelancers and very small businesses that want estimates alongside invoices

Found offers unlimited free invoicing on its $0 plan. Found Plus costs $35 a month or $315 a year, and Found lists no monthly maintenance fee or minimum balance, with a note that other transactional fees may apply.

Clients can pay by credit card, debit card, Google Pay, Cash App Pay, bank transfer or a Found-to-Found transfer. Card payments require a Stripe account, and Found says processing fees may apply. Found also lists recurring invoices and estimates you can convert into invoices.

• Best for: freelancers and very small businesses that quote work before they bill it

• What's free: unlimited invoices on the free plan

• How clients pay: card, Google Pay, Cash App Pay, bank transfer, Found-to-Found

• Fees: Stripe processing fees on card payments; Found doesn't list a rate

• Watch-outs: card acceptance needs a separate Stripe account

6. Relay invoicing: Best for businesses that want invoice follow-ups and pay-by-bank on a free plan

Relay's free Starter plan includes invoice creation and tracking, payment request links and automated follow-ups. Grow ($30 a month) adds recurring invoices, card-on-file auto charge and surcharging; Scale lists at $120 a month.

Clients can pay by ACH, wire, debit card, credit card, pay-by-bank or Google Pay. Relay charges no per-transaction fee on ACH received, 2.9% + $0.30 on online cards and $5 on incoming wires. Card and ACH pull payments settle in two to three business days.

• Best for: businesses that want follow-ups built in on a $0 plan

• What's free: invoicing on Starter; no per-transaction fee on ACH received

• How clients pay: ACH, wire, debit, credit, pay-by-bank, Google Pay

• Fees: 2.9% + $0.30 per online card payment; pay-by-bank 1.00% on Starter, 0.75% on Grow, 0.50% on Scale, capped at $10; $5 per incoming wire

• Watch-outs: surcharging is available on Grow and Scale, so check whether your clients will see a card fee

7. Square Invoices: Best for businesses that already take in-person payments with Square

Square includes invoicing in every plan, including Square Free, which has no monthly subscription and supports unlimited digital invoices. Square Free also lists checking and savings accounts.

Clients can pay by credit or debit card, Google Pay, Cash App Pay, ACH, Afterpay or Square gift cards. That flexibility costs more per payment on the free tier.

• Best for: retail and service businesses already on Square for in-person sales

• What's free: invoicing on any plan; ACH invoice payments deposited into Square Checking

• How clients pay: card, Google Pay, Cash App Pay, ACH, Afterpay, Square gift cards

• Fees: 3.3% + $0.30 per card on Square Free, 2.9% + $0.30 on Plus and Premium, 3.5% + $0.15 card on file; ACH 1% ($1 minimum) on Free; Afterpay 6% + $0.30

• Watch-outs: the free tier carries the highest standard online card rate in Square's lineup

8. Chase invoicing: Best for businesses that want invoicing inside a traditional bank relationship

Chase invoicing is available exclusively to Chase Business Complete Banking customers, and Chase says there is no additional monthly fee for it. Business Complete lists a monthly service fee of $15 or $0, depending on Chase's waiver conditions.

Clients can pay by credit or debit card through a Chase checkout page, by mailed check or by Zelle. Chase charges no processing fee for Zelle or check payments and offers same-day funding on card invoice payments at no extra cost.

• Best for: businesses that want invoicing alongside branch banking

• What's free: invoicing software for Business Complete customers; Zelle and check invoice payments

• How clients pay: card, mailed check, Zelle

• Fees: 3.5% + $0.10 per card payment

• Watch-outs: card payments cost 3.5% + $0.10, the highest published standard card rate in this roundup, and the account fee depends on meeting Chase's waiver conditions

Lili and Wise invoicing: what is included

Lili includes invoicing only on its paid Smart ($35 a month) and Premium ($55 a month) plans, and Wise lists invoicing at no extra cost but has closed card acceptance to new Wise Business customers. Neither fits the "free invoicing on the base business account" bar as cleanly as the eight above.

Lili offers a $0 Core plan without invoicing. On Smart and Premium, Lili lists unlimited invoices, status tracking and reminders. If invoicing is the reason you're switching, budget for the paid plan.

Wise Business charges a one-time $31 set-up fee and no monthly fee. Where card acceptance is active, Wise says card payouts can take up to 14 days, and it charges $6.11 per USD wire or Swift payment received.

What free invoicing does and does not cover

Free invoicing means you don't pay for the software. It does not mean getting paid is free.

The cost shows up in four places.

Card processing fees

Card payments carry processing fees on every platform here, usually through Stripe or the platform's own processor. As of Oct 18, 2026, published standard online card rates in this roundup run from 2.9% + $0.30 (Rho, Mercury, Relay, Square Plus and Premium) to 3.5% + $0.10 (Chase), and card-on-file rates can run higher.

Who pays matters as much as the rate. At Rho, the business absorbs the 2.9% + $0.30 per card payment and the client pays only the invoice amount. Relay offers surcharging on its paid plans, and Bluevine deducts processing fees from the payment before it reaches you.

ACH and wire fees

Bank payments are usually the cheap route, but "ACH" covers two different things. A client pushing an ACH transfer to you is often free to receive. There are $0 Rho fees on domestic ACH payments received at Rho, and Novo, Bluevine, Mercury and Relay list no fee on ACH received.

An ACH pull, where you debit the client's account, often costs money. Bluevine charges 1% for ACH direct debit, Square Free charges 1% ($1 minimum) unless deposited into Square Checking, and Mercury charges $1 per ACH debit on Plus. Incoming wires vary too: Relay charges $5 and Wise charges $6.11 per USD wire.

Payout timing

"Paid" doesn't always mean "in your account," and each platform publishes its own timeline. Relay lists two to three business days for card and ACH pull payments, Chase offers same-day funding on card invoice payments, and Wise says card payouts can take up to 14 days.

At Rho, a card-paid invoice is marked Paid when the payout is initiated, not when the funds land, and a new account's first card payout can take up to two weeks.

Plan gating

The free tier and the full feature set are often different things. Recurring invoices sit on Mercury's paid plans, Bluevine limits reminders on Standard, Relay puts recurring invoices on Grow, and Lili puts all invoicing behind Smart and Premium.

How to choose a business bank account with free invoicing

Start with how your clients actually pay you, then work backward to fees and features when picking the best business account for invoicing.

How clients pay: if most invoices are paid by bank transfer, look for $0 on ACH received. Rho, Novo, Bluevine, Mercury and Relay all fit. If clients expect to pay by card or wallet, compare the card rate and who absorbs it.

Invoice size: on large invoices, the percentage fee dominates. A $25,000 card payment costs $725.30 at 2.9% + $0.30 and $875.10 at 3.5% + $0.10, so steering big invoices to ACH or domestic wire saves real money.

Where the money lands: a business bank account with invoicing built in means one place to see what's been paid. Novo and Found ask you to connect a separate processor account before clients can pay by card, so check that setup step too.

What's on the free plan: if you need recurring invoices or multiple reminders, check whether they're on the plan you'll actually use before you count it as free.

A few situations change the answer:

• You bill other businesses for large amounts: prioritize ACH and domestic wire collection with low or no receiving fees.

• You sell in person and invoice occasionally: Square's single system may outweigh its higher free-tier card rate.

• You want a branch: Chase is the only traditional bank in this roundup.

Best business account for invoicing, by business type

• Rho: US-incorporated businesses that want invoicing, domestic ACH and wire collection, and the business account in one platform, since invoices, payments and Bill Pay share one business account.

• Novo: small businesses already using Stripe, Square or PayPal, since cards run through the processor you already have.

• Bluevine: businesses that want unlimited free invoices on a $0 checking plan, with no incoming ACH fees.

• Mercury: businesses that want free invoicing now, with recurring invoices waiting on the paid plans.

• Found: freelancers and very small businesses that quote first, since estimates convert into invoices.

• Relay: businesses that chase late payments, since automated follow-ups come on the free plan.

• Square: businesses already taking in-person payments, since invoices and POS settle in one system.

• Chase: businesses that want a branch, since it's the only traditional bank of the eight.

If your business is US-incorporated and you want invoices paid into the same account you run the business from, Rho Invoicing is free for Rho customers, with card payments at 2.9% + $0.30 per card payment absorbed by your business, not your client. See how Rho Invoicing works.

Still comparing? See our guides to the best business bank accounts, the best free business checking accounts, invoicing software with the lowest fees, the best invoicing tools for startups, accepting card payments with Rho Invoicing and the best startup banks.