Invoicing platforms handle sensitive payment and customer data. We analyzed the terms of service from leading invoicing solutions to help businesses understand their rights and obligations.
Invoicing platforms enable businesses to bill clients, track payments, and manage accounts receivable. These services process payment information, store customer data, and integrate with banking systems. Their terms of service govern data usage, payment processing liability, and dispute resolution procedures that directly impact your business operations.
| Platform | Score | Grade | Payment Processing | Arbitration Required |
|---|---|---|---|---|
| Zoho Invoice (Best in Category) | 65 | B- | Third-party | Yes |
| PayPal Invoicing | 58 | C+ | Native | Yes |
| Square Invoices | 52 | C | Native | Yes |
| Stripe Billing (Lowest in Category) | 45 | C- | Native | Yes |
Part of the Zoho ecosystem with invoicing, time tracking, and expense management. More favorable data practices but complex terms across services.
Read Full Review →Built into PayPal's payment platform with widespread acceptance. Complex dispute resolution and significant liability limitations.
Read Full Review →Part of Square's payment ecosystem with invoicing and payment tracking. Broad data usage across Square products.
Read Full Review →Developer-focused billing platform with subscription management. Extensive data collection for fraud prevention and analytics.
Read Full Review →Our analysis evaluates terms of service based on payment data protection, dispute resolution procedures, liability for payment issues, data sharing practices, and account termination policies. Invoicing platforms receive particular scrutiny for payment hold policies and chargeback handling.