Cosmobill vs.
Square Invoices

A straight, feature-by-feature look at how the two compare - pricing, invoicing, payments, and everything in between. Every Cosmobill claim here is enforced in the product; every Square data point is sourced from squareup.com's own pricing/feature pages and official fee schedule.

Free plan
Cosmobill Comet
5 invoices/mo, unlimited saved clients, estimates/time/expenses/attachments/multi-business all included - free forever
Free plan
Square Invoices Free
Unlimited invoices and clients, recurring invoices, batch sending - but no PayPal, no time/expense tracking, 3.3%+$0.30 card fee

Square's free plan is unlimited on invoice volume where Cosmobill's caps at 5/mo - but Square has no PayPal option and no time/expense tracking at any tier. See the full table below for everything else.

Pricing & limits

FeatureCosmobillSquare Invoices
Free plan
Square Invoices Free never expires and needs no card to use - you only pay a fee when a payment is actually processed.
Invoices per month on free plan
Square Invoices Free has no invoice-count cap. Cosmobill's free Comet plan caps invoices at 5/mo but has no other usage ceiling anywhere else in the product.
5
Unlimited
Saved clients on free plan
Unlimited
Unlimited
Cheapest paid plan
Square's invoicing-specific paid tier is $20/mo. Square is also mid-restructure toward broader unified Free/Plus/Premium business plans ($49/$149/mo) covering POS, staff, and inventory beyond just invoicing - a different, wider bundle from the $20/mo Invoices Plus tier.
$5/mo (Planet)
$20/mo (Invoices Plus)
Credit card required to start
Monthly subscription fee just to send invoices
Neither product charges a subscription just to create and send invoices on their free tiers.
$0 on Comet
$0 on Free - Square only charges when a payment processes

Invoicing core

FeatureCosmobillSquare Invoices
Shareable invoice link (client portal)
Customer self-fills their own billing details
On Square, the seller enters the client's info themselves when creating them as a customer. Cosmobill's customer opens the invoice link and fills in their own name/address/tax ID - you never mistype an EIN.
Live full-size invoice preview while editing
Itemized line items (qty × rate)
Custom invoice templates (save & reuse your own)
Square's free plan uses a standard template; saving and reusing your own custom templates is an Invoices Plus feature. Cosmobill deliberately ships one polished design rather than a template gallery to keep the product simple.
1 design, all plans
Invoices Plus ($20/mo)
Estimates / quotes
Free, all plans
Free, all plans
Multi-package estimates (multiple options in one estimate)
Square Plus lets you present several package options for a customer to choose from within one estimate. Cosmobill's estimates are a single flat line-item list on every plan.
Invoices Plus ($20/mo)
Auto-convert accepted estimates to invoices
Square gates automatic conversion of an accepted estimate into an invoice to its Plus tier; on Square Free this is a manual step. Cosmobill does this automatically on every plan.
Invoices Plus ($20/mo)
Custom fields on an invoice
Square Plus lets you add and position custom fields (terms, cancellation policy, etc.) on an invoice. Cosmobill has no custom-field feature.
Invoices Plus ($20/mo)
Milestone-based payment schedules
Square Plus supports splitting one invoice into a custom milestone payment schedule. Cosmobill supports simple deposits/partial payments but not multi-milestone schedules.
Invoices Plus ($20/mo)
Recurring / repeating invoices
Square includes recurring invoices on its free plan; Cosmobill reserves this for its top Galaxy tier.
Galaxy ($10/mo)
Free, all plans
Batch invoices (send many at once)
Square lets you send a batch of invoices to multiple customers in one action, even on the free plan; Cosmobill sends one invoice at a time.
Free, all plans

Getting paid

FeatureCosmobillSquare Invoices
PayPal payments
Square's payment processing is Square-only - it doesn't offer PayPal as a checkout option on an invoice. Cosmobill accepts PayPal on every plan including free.
Card payments (online invoice)
Square's own card processing for invoices is available on Free at no monthly fee, at a flat 3.3%+$0.30 per transaction regardless of tier - Invoices Plus does not lower this rate. Cosmobill's free Comet tier is PayPal/card only at checkout - card processing beyond PayPal needs Planet.
Planet ($5/mo)+
Free, all plans (3.3% + $0.30/txn)
Bank transfer (ACH)
Cosmobill's bank transfer is a manual self-report the buyer and seller confirm between themselves, at no processing fee. Square's ACH via invoice is automated in-app, taking 1% capped at $10 per transaction.
yes (manual, self-report)
Free, all plans (1%/txn, capped at $10)
Buy Now, Pay Later (Afterpay)
Square lets customers pay an invoice via Afterpay at a fixed 6%+$0.30 rate, on every plan; Cosmobill has no BNPL integration.
Free, all plans (6% + $0.30/txn)
Deposits / partial payments
Free, all plans
Free, all plans
Automatic overdue-payment reminders
Square includes basic reminders free; Invoices Plus adds more advanced/customizable reminder scheduling. Cosmobill unlocks reminders at Planet ($5/mo).
Planet ($5/mo)+
Free, all plans (basic) · advanced on Invoices Plus
Early-payment discounts
Square has no scheduled "pay within N days for X% off" incentive the way Cosmobill does.
Free, all plans
International card surcharge
None (PayPal's own international fee may apply)
+1.5%, all plans
Transaction fee Cosmobill/Square takes on top of processing
0% (only PayPal's own fee applies)
0% beyond its own listed processing rates (3.3%+$0.30 card, 1% ACH)

Time, expenses & files

FeatureCosmobillSquare Invoices
Time tracking (log or start/stop timer)
Square Invoices has no built-in time-tracking feature to bill hours on an invoice - that lives in a separate Square Team Management product. Cosmobill includes time tracking on every plan.
Free, all plans
Expense tracking, optionally billable to an invoice
Square Invoices doesn't track general business expenses - Cosmobill does, on every plan.
Free, all plans
File attachments on an invoice
Free, all plans
Invoice discussions / comment thread
Square's client-facing invoice view shows payment status but has no back-and-forth comment thread the way Cosmobill's discussion feature does.
Free, all plans

Reporting & organization

FeatureCosmobillSquare Invoices
Dashboard revenue chart (this month vs. last)
Free, all plans
Free, all plans (Square Dashboard)
Filterable, searchable invoice table
CSV export of invoices
Square includes CSV export of invoices and estimates on its free plan; Cosmobill reserves this for Planet+.
Planet ($5/mo)+
Free, all plans
Bank account sync (auto-import transactions)
Square Invoices itself has no bank-feed sync - deposits show as Square balance activity, not a bookkeeping import. Neither product does this within the invoicing product itself.

Team, branding & businesses

FeatureCosmobillSquare Invoices
Team members
Team-member seats and permissions on Square are governed by your broader Square Free/Plus/Premium subscription (the wider business-management plans), not by Invoices Plus itself - so the invoicing-specific tier alone doesn't cleanly answer this. Cosmobill bundles 5 seats into a flat $10/mo Galaxy tier with no separate subscription needed.
Up to 5 (Galaxy, $10/mo)
Depends on your Square subscription tier, not Invoices Plus specifically
Multiple business identities under one login
Square's multi-location support is built around physical/service locations of one business rather than fully independent businesses sharing a login the way Cosmobill's multi-business feature works.
Free, all plans, shared entitlements
Multiple locations under one account, each with its own settings
Custom logo upload
Planet ($5/mo)+
Free, all plans
Custom brand color / appearance
Planet ($5/mo)+
Free, all plans
Remove the provider's own branding from invoices
Square doesn't stamp invoices with its own logo the way some competitors do, so there's no branding-removal fee to compare directly - Cosmobill charges $10/mo (Galaxy) to remove its own branding.
Galaxy ($10/mo)
Free, all plans - Square Invoices doesn't add its own branding to the client-facing invoice

A note on this comparison

Square details above come from squareup.com's official invoicing fee schedule and Square's own press materials on Invoices Plus, as of when this page was written - pricing pages change, so if something here looks off, treat squareup.com as the source of truth for their current plans. Worth flagging directly: Square's pricing is genuinely confusing right now because two separate structures coexist - an invoicing-specific "Square Invoices Plus" at $20/month (custom templates, milestone schedules, multi-package estimates), and a much broader unified "Square Plus" business subscription at $49/month covering point-of-sale, staff, and inventory management well beyond invoicing. This page compares against the $20/mo invoicing-specific tier since that's the direct analog to Cosmobill's own plans; if you land on Square's general pricing page you may see the $49/mo figure instead, which reflects a much wider product bundle. Square Invoices is a capable free product for anyone already in the Square ecosystem, with real strengths Cosmobill doesn't match - Afterpay checkout, batch invoice sending, and file attachments on its free tier among them. Where Cosmobill differs is PayPal checkout and built-in time/expense tracking, neither of which Square Invoices offers at any price. Every Cosmobill row marked available on a plan is a feature that actually ships in the product today, not a roadmap item.

See the difference yourself.

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