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Personal Finance · head to head

Apple Pay vs Invoice2go

Apple Pay logo

Apple Pay

Personal Finance

The easier way to pay and send money

From
Free
Rated
-
Full reviewWebsite
Invoice2go logo

Invoice2go

Accounting

Mobile-first invoicing app for small businesses and freelancers

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Apple Pay has a free tier, so it costs nothing to try first.
  • Each has a real cost: Apple Pay apple Pay works only in countries and regions that support contactless payments and is not available in all markets; Invoice2go starter plan caps invoices at just 30 per year, forcing an upgrade for most active businesses.
  • They diverge on capability: Apple Pay covers Digital wallet, Invoice2go covers Invoice creation and customization.

Where they differ

Only the attributes on which Apple Pay and Invoice2go actually diverge.

Attributes where Apple Pay and Invoice2go differ
AttributeApple PayInvoice2go
Starting priceFreeOn request
Pricing modelfreesubscription
Free tierYesNo
PlatformsIOS, WatchOS, MacOSweb, ios, android
CategoryPersonal FinanceAccounting
Founded2014Unknown

Identical on both: user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Apple Pay

  • Digital wallet
  • Secure payments
  • Contactless transactions
  • P2P money transfers
  • Credit cards
  • Debit cards
  • Bank accounts
  • IOS support

Only in Invoice2go

  • Invoice creation and customization
  • Estimates and projects
  • In-app payments
  • Automated reminders
  • Accounting integrations
  • Team member access

What people use each for

The jobs each tool is most often brought in to do.

Apple Pay

  • Contactless in store payment from iPhone and Apple Watchnot Invoice2go
  • Paying in apps and on the web without entering card detailsnot Invoice2go
  • Sending money between Apple users with Apple Cash and Tap to Cashnot Invoice2go

Invoice2go

  • Freelancers invoicing clients from a mobile devicenot Apple Pay
  • Small service businesses tracking estimates and projectsnot Apple Pay
  • Businesses wanting integrated card and ACH paymentsnot Apple Pay
  • Businesses syncing invoices with QuickBooks or Xeronot Apple Pay

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Apple Pay

  • Apple Pay works only in countries and regions that support contactless payments and is not available in all markets
  • Apple Cash is available only in the 50 United States, the District of Columbia and Puerto Rico
  • Apple Cash Family accounts and Tap to Cash transactions are each capped at 2000 USD within a rolling seven day period
  • Mac support requires a Touch ID equipped model
  • A card works only if the issuing bank supports Apple Pay, and banks may charge their own overseas usage fees

Invoice2go

  • Starter plan caps invoices at just 30 per year, forcing an upgrade for most active businesses.
  • Card processing fees are higher than some dedicated payment processors.
  • Accounting integrations are limited to QuickBooks and Xero, excluding other platforms.
  • Premium plan requires roughly $100k+/year revenue to be cost-effective, per its own positioning.

Pricing, plan by plan

Apple Pay

Free
  • FreeFree
    • Secure payments
    • P2P transfers
    • Transit passes

Invoice2go

On request
  • Starter$undefined/month
    • 30 invoices/year
    • 3.5% card payment fee
    • Free ACH bank transfers
  • Professional$undefined/month
    • 100 invoices/year
    • 3% card payment fee
    • QuickBooks/Xero integration
  • Premium$undefined/month
    • Unlimited invoices
    • 2.9% card payment fee
    • Recurring invoices

Which should you pick?

Choose Apple Pay if

  • You need digital wallet.
  • You want to start without paying.
  • You work on IOS, WatchOS, MacOS.
  • You also want secure payments.
Apple Pay review

Choose Invoice2go if

  • You need invoice creation and customization.
  • You work on web, ios, android.
  • You also want estimates and projects.
Invoice2go review

Questions people ask

Is Apple Pay or Invoice2go better?
Neither clearly leads. Apple Pay starts at Free and Invoice2go at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Apple Pay or Invoice2go?
Apple Pay has a free tier; the other does not. Paid plans start at Free for Apple Pay and On request for Invoice2go.
Does Apple Pay or Invoice2go run on more platforms?
Apple Pay runs on IOS, WatchOS, MacOS. Invoice2go runs on web, ios, android.
Can I use Apple Pay for free?
Yes. Apple Pay has a free tier, so you can try it without paying. Invoice2go starts at On request.
What is Apple Pay best used for?
Apple Pay is most often used for contactless in store payment from iphone and apple watch, paying in apps and on the web without entering card details, sending money between apple users with apple cash and tap to cash. Of those, contactless in store payment from iphone and apple watch and paying in apps and on the web without entering card details are not what Invoice2go is typically brought in for.
What can Apple Pay do that Invoice2go cannot?
Apple Pay covers Digital wallet, Secure payments, Contactless transactions, P2P money transfers. Invoice2go covers Invoice creation and customization, Estimates and projects, In-app payments, Automated reminders.

Answered from the vendors’ own pages

Apple Pay: Does Apple Pay charge fees?

No. Apple does not charge any fees when you pay with Apple Pay in stores, online, or in apps.

Source
Invoice2go: What does Invoice2go cost?

Invoice2go offers three tiers - Starter (30 invoices/year), Professional (100 invoices/year), and Premium (unlimited invoices) - distinguished by invoice volume and card processing fees from 3.5% down to 2.9%.

Source
Apple Pay: What are the transaction limits for Apple Cash Family?

Apple Cash Family accounts have a maximum transaction limit of $2,000 within any rolling seven-day period for sending or receiving money. The same $2,000 rolling 7-day limit applies to Tap to Cash peer-to-peer transfers.

Source
Invoice2go: Is there a free trial?

Yes, Invoice2go offers a 30-day free trial that requires a credit card but includes a 100% money-back guarantee if canceled within 30 days.

Source
Invoice2go: Does Invoice2go integrate with accounting software?

Yes, the Professional and Premium plans include integration with QuickBooks and Xero.

Source
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