Buyer's guide · Payments, Invoicing & Billing
Payments, invoicing and billing software in India, compared by price in ₹ (October 2026)
We compare 22 payments, invoicing and billing tools that Indian teams use, ranked by our open score (how the score works; paying us never changes it). Zoho Books scores highest here, 60 out of 100. For 10 people, the lowest monthly price we could work out from a vendor's page is ₹125 (Swipe, Pro).
The 22 tools, by score
-
- 10 people
- From ₹749 a month; the vendor's page does not say per person, so not worked out for 10. Vendor's page, checked 26 Oct 2026.
- Free plan
- Yes (as our tool page records it)
- India fit
- Bills in rupees: yes · GST invoice: yes · UPI: not checked · Data in India: not checked (read 28 Oct 2026)
- Best for
- startups
- Drawback
- None on file yet.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- None listed
- India fit
- Not checked yet
- Best for
- All Indian startups, fintech, e commerce
- Drawback
- None on file yet.
-
- 10 people
- ₹890 a month on Lite (₹10,680 a year, flat). Vendor's page, checked 29 Oct 2026.
- Free plan
- Yes (as our tool page records it)
- India fit
- Not checked yet
- Best for
- freelancers, consultants, creative agencies
- Drawback
- None on file yet.
-
- 10 people
- ₹125 a month on Pro (₹1,499 a year, flat). Vendor's page, checked 29 Oct 2026.
- Free plan
- Yes (as our tool page records it)
- India fit
- Not checked yet
- Best for
- retailers, wholesalers, D2C founders
- Drawback
- None on file yet.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- Yes (as our tool page records it)
- India fit
- Bills in rupees: yes · GST invoice: not checked · UPI: not checked · Data in India: not checked (read 28 Oct 2026)
- Best for
- startups
- Drawback
- The vendor publishes no list price: a team that needs a number for a budget has to ask for a quote.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- None listed
- India fit
- Bills in rupees: not checked · GST invoice: no · UPI: no · Data in India: not checked (read 28 Oct 2026)
- Best for
- International products, SaaS subscriptions, developer first teams
- Drawback
- No GST invoice: “No built-in GST invoicing for Indian compliance”. A company that claims input credit needs one. Source: our Stripe page, 28 Oct 2026.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- Yes (as our tool page records it)
- India fit
- Bills in rupees: not checked · GST invoice: yes · UPI: not checked · Data in India: not checked (read 28 Oct 2026)
- Best for
- SaaS, subscription businesses, Series A+
- Drawback
- None on file yet.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- None listed
- India fit
- Not checked yet
- Best for
- CAs and tax practitioners, finance teams, enterprise suppliers
- Drawback
- None on file yet.
-
- 10 people
- ₹238 a month on Annual account fee ($29.95 a year, flat, converted at our rate). Vendor's page, checked 29 Oct 2026.
- Free plan
- None listed
- India fit
- Not checked yet
- Best for
- freelancers, export agencies, remote contractors
- Drawback
- Priced in dollars on the vendor's page ($29.95 a year), so the rupee cost moves with the exchange rate. Source: vendor's page, 29 Oct 2026.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- Yes (as our tool page records it)
- India fit
- Bills in rupees: not checked · GST invoice: no · UPI: not checked · Data in India: not checked (read 28 Oct 2026)
- Best for
- startups
- Drawback
- No GST invoice: “USD billing + 18% IGST for Indian buyers”. A company that claims input credit needs one. Source: our SEON page, 28 Oct 2026.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- Yes (as our tool page records it)
- India fit
- Bills in rupees: not checked · GST invoice: no · UPI: not checked · Data in India: not checked (read 28 Oct 2026)
- Best for
- startups
- Drawback
- No GST invoice: “USD billing for the platform fee; 18% IGST applies for Indian buyers”. A company that claims input credit needs one. Source: our Stripe Billing page, 28 Oct 2026.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- Yes (as our tool page records it)
- India fit
- Bills in rupees: no · GST invoice: not checked · UPI: not checked · Data in India: not checked (read 28 Oct 2026)
- Best for
- startups
- Drawback
- No billing in rupees: “funds get auto-converted to INR at the mid-market rate and credited to the Indian bank account”. A card charge in dollars moves with the exchange rate. Source: our Wise Business page, 28 Oct 2026.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- Yes (as our tool page records it)
- India fit
- Not checked yet
- Best for
- startups
- Drawback
- The vendor publishes no list price: a team that needs a number for a budget has to ask for a quote.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- None listed
- India fit
- Bills in rupees: yes · GST invoice: not checked · UPI: not checked · Data in India: not checked (read 28 Oct 2026)
- Best for
- E commerce, marketplaces, high volume merchants
- Drawback
- None on file yet.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- Yes (as our tool page records it)
- India fit
- Not checked yet
- Best for
- startups
- Drawback
- The vendor publishes no list price: a team that needs a number for a budget has to ask for a quote.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- None listed
- India fit
- Bills in rupees: yes · GST invoice: no · UPI: not checked · Data in India: not checked (read 28 Oct 2026)
- Best for
- Indian SaaS selling globally, Series A+, tax averse founders
- Drawback
- No GST invoice: “Under the hood, your customer is not legally buying the software from your Indian Pvt Ltd. They are buying the software from Paddle (a UK-based entity)”. A company that claims input credit needs one. Source: our Paddle page, 28 Oct 2026.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- Yes (as our tool page records it)
- India fit
- Bills in rupees: no · GST invoice: not checked · UPI: not checked · Data in India: not checked (read 28 Oct 2026)
- Best for
- Mobile apps, consumer subscription products, early stage
- Drawback
- No billing in rupees: “Note: Pricing is in USD”. A card charge in dollars moves with the exchange rate. Source: our RevenueCat page, 28 Oct 2026.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- None listed
- India fit
- Not checked yet
- Best for
- High volume merchants, fintech, e commerce
- Drawback
- None on file yet.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- None listed
- India fit
- Not checked yet
- Best for
- Large merchants, large companies, retail
- Drawback
- None on file yet.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- None listed
- India fit
- Not checked yet
- Best for
- startups
- Drawback
- None on file yet.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- None listed
- India fit
- Not checked yet
- Best for
- startups
- Drawback
- None on file yet.
-
- 10 people
- No monthly plan price on file (it may charge per use or by quote). See the tool page for what we know.
- Free plan
- None listed
- India fit
- Not checked yet
- Best for
- startups
- Drawback
- None on file yet.
How to choose
- Work out the cost for your team, not the headline price. For 10 people, the plans we could price run from ₹125 a month (Swipe) to ₹890 a month (Refrens). All 3 are flat prices, so a bigger team pays the same. Try other team sizes in the seat calculator.
- Check the currency. 1 of 22 is priced in dollars on the vendor's page. The rupee figure here is converted at our rate of ₹95.3 per dollar; your bank's rate and card fee change what you pay.
- Check India fit before you sign. We have read that 4 of 22 bill in rupees, 2 give a GST invoice and 0 keep data in India. "Not checked" means we have not read it, not that the answer is no.
- Start on a free plan where there is one. 11 of 22 list a free plan, so you can try them with your own data before paying.
- Check how each one charges. 18 of 22 have no monthly plan price we could read: some charge per transaction or per use, some only by quote. Their tool pages say which.