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Personal Finance · head to head

Apple Pay vs Invoicera

Apple Pay logo

Apple Pay

Personal Finance

The easier way to pay and send money

From
Free
Rated
-
Full reviewWebsite
Invoicera logo

Invoicera

Accounting

Online invoicing and billing platform for multi-entity businesses

From
$50/month
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; Invoicera pricing quoted annually by default, with monthly billing costing roughly 20% more.
  • They diverge on capability: Apple Pay covers Digital wallet, Invoicera covers Multi-entity billing.

Where they differ

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

Attributes where Apple Pay and Invoicera differ
AttributeApple PayInvoicera
Starting priceFree$50/month
Pricing modelfreesubscription
Free tierYesNo
PlatformsIOS, WatchOS, MacOSweb
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 Invoicera

  • Multi-entity billing
  • Recurring invoices
  • Approval workflows
  • Client portal
  • Project and time/milestone billing
  • Reconciliation workflows

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 Invoicera
  • Paying in apps and on the web without entering card detailsnot Invoicera
  • Sending money between Apple users with Apple Cash and Tap to Cashnot Invoicera

Invoicera

  • Businesses managing invoicing across multiple legal entitiesnot Apple Pay
  • Organizations requiring multi-step invoice approvalnot Apple Pay
  • Agencies billing clients by project milestones or timenot Apple Pay
  • Companies needing a self-service client billing portalnot 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

Invoicera

  • Pricing quoted annually by default, with monthly billing costing roughly 20% more.
  • Add-ons for extra users, entities, and support increase the effective cost beyond base plans.
  • Advanced reconciliation workflows are locked behind the top Scale tier.
  • Interface and workflow complexity may be more than very small freelance businesses need.

Pricing, plan by plan

Apple Pay

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

Invoicera

$50/month
  • Operate$50/month
    • 1 entity
    • 3,000 invoices/year
    • 5 users
  • Grow$125/month
    • 3 entities
    • 12,000 invoices/year
    • 10 users
  • Scale$250/month
    • 10 entities
    • 48,000 invoices/year
    • 20 users
  • Enterprise$undefined/mo
    • Custom entities and limits
    • Implementation and dedicated account management
    • Custom integrations

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 Invoicera if

  • You need multi-entity billing.
  • You work on web.
  • You also want recurring invoices.
Invoicera review

Questions people ask

Is Apple Pay or Invoicera better?
Neither clearly leads. Apple Pay starts at Free and Invoicera at $50/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Apple Pay or Invoicera?
Apple Pay has a free tier; the other does not. Paid plans start at Free for Apple Pay and $50/month for Invoicera.
Does Apple Pay or Invoicera run on more platforms?
Apple Pay runs on IOS, WatchOS, MacOS. Invoicera runs on web.
Can I use Apple Pay for free?
Yes. Apple Pay has a free tier, so you can try it without paying. Invoicera starts at $50/month.
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 Invoicera is typically brought in for.
What can Apple Pay do that Invoicera cannot?
Apple Pay covers Digital wallet, Secure payments, Contactless transactions, P2P money transfers. Invoicera covers Multi-entity billing, Recurring invoices, Approval workflows, Client portal.

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
Invoicera: What does Invoicera cost?

Invoicera has four tiers: Operate at $600/year, Grow at $1,500/year, Scale at $3,000/year, and a custom-priced Enterprise plan, with monthly billing costing about 20% more.

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
Invoicera: Is there a free trial?

Yes, Invoicera offers a 14-day free trial of its Grow plan with no credit card required.

Source
Invoicera: Can I add more users or entities to my plan?

Yes, add-ons are available including 5-packs of additional users, extra entities, priority support, and an integration operations pack.

Source
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