APIs · head to head
Basis Theory vs Invoice2go
Basis Theory
APIs
Developer tokenisation platform that holds card and sensitive data inside a PCI Level 1 environment you do not operate
- From
- $995/month
- Rated
- -
Invoice2go
Accounting
Mobile-first invoicing app for small businesses and freelancers
- From
- On request
- Rated
- -
The short version
- Each has a real cost: Basis Theory the Starter plan is 995 US dollars a month before any volume, which is a real floor for an early stage company and puts the product out of reach of teams tokenising a few thousand records.; Invoice2go starter plan caps invoices at just 30 per year, forcing an upgrade for most active businesses.
- They diverge on capability: Basis Theory covers Tokenisation API, Invoice2go covers Invoice creation and customization.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Basis Theory and Invoice2go actually diverge.
| Attribute | Basis Theory | Invoice2go |
|---|---|---|
| Starting price | $995/month | On request |
| Pricing model | Per month by token volume | subscription |
| Platforms | Web, iOS, Android, Linux | web, ios, android |
| Category | APIs | Accounting |
Identical on both: free tier (No), 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 Basis Theory
- Tokenisation API
- Hosted elements
- Outbound proxy
- PCI attestation of compliance
- Processor portability
- Reactors
- Access controls and audit
- PII and PHI options
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.
Basis Theory
- A payments company that wants card on file without bringing its own infrastructure into PCI scope and paying for the assessment that followsnot Invoice2go
- A merchant locked into a processor by that processor vault that wants to hold its own tokens and route to more than one acquirernot Invoice2go
- A fintech collecting bank account and identity data that needs it isolated from its application database before an enterprise security reviewnot Invoice2go
- A team that needs to send stored card data to a third party for a one-off integration without that data traversing its own serversnot Invoice2go
Invoice2go
- Freelancers invoicing clients from a mobile devicenot Basis Theory
- Small service businesses tracking estimates and projectsnot Basis Theory
- Businesses wanting integrated card and ACH paymentsnot Basis Theory
- Businesses syncing invoices with QuickBooks or Xeronot Basis Theory
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Basis Theory
- The Starter plan is 995 US dollars a month before any volume, which is a real floor for an early stage company and puts the product out of reach of teams tokenising a few thousand records.
- Starter is limited to the US region, so a company with European data residency requirements is pushed into a quoted Scale or Enterprise agreement immediately.
- Log retention on Starter is 24 hours, which is well below what most security teams expect for a system holding cardholder data and forces an upgrade for reasons unrelated to volume.
- Migrating away means moving card data out of the vault, which requires processor and assessor involvement and is slow, so the portability argument that attracts buyers cuts against them at exit.
- An attestation of compliance covers the vendor environment, not your assessment; your assessor still decides what is in scope, and buyers occasionally discover their integration pattern pulled systems back into scope anyway.
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
Basis Theory
$995/month- Starter$995/month
- 20,000 tokens included
- Production PCI Level 1 environment
- US region only
- Scale$undefined/month
- Quoted
- Higher token volumes
- Additional regions
- Enterprise$undefined/month
- Quoted
- Additional compliance options for PII and PHI
- Responses for 95 percent of PCI SAQ D
Invoice2go
On request- Starter$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 Basis Theory if
- You need tokenisation api.
- You work on Web, iOS, Android, Linux.
- You also want hosted elements.
Choose Invoice2go if
- You need invoice creation and customization.
- You work on web, ios, android.
- You also want estimates and projects.
Questions people ask
- Is Basis Theory or Invoice2go better?
- Neither clearly leads. Basis Theory starts at $995/month and Invoice2go at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Basis Theory or Invoice2go?
- Basis Theory starts at $995/month and Invoice2go at On request.
- Does Basis Theory or Invoice2go run on more platforms?
- Basis Theory runs on Web, iOS, Android, Linux. Invoice2go runs on web, ios, android.
- What is Basis Theory best used for?
- Basis Theory is most often used for a payments company that wants card on file without bringing its own infrastructure into pci scope and paying for the assessment that follows, a merchant locked into a processor by that processor vault that wants to hold its own tokens and route to more than one acquirer, a fintech collecting bank account and identity data that needs it isolated from its application database before an enterprise security review, a team that needs to send stored card data to a third party for a one-off integration without that data traversing its own servers. Of those, a payments company that wants card on file without bringing its own infrastructure into pci scope and paying for the assessment that follows and a merchant locked into a processor by that processor vault that wants to hold its own tokens and route to more than one acquirer are not what Invoice2go is typically brought in for.
- What can Basis Theory do that Invoice2go cannot?
- Basis Theory covers Tokenisation API, Hosted elements, Outbound proxy, PCI attestation of compliance. Invoice2go covers Invoice creation and customization, Estimates and projects, In-app payments, Automated reminders.
Answered from the vendors’ own pages
Basis Theory: Does this make us PCI compliant?
It removes cardholder data from your systems and gives you an AOC plus documented responses for most of a SAQ D. Your assessor still determines your scope, and a careless integration can pull systems back in.
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%.
SourceBasis Theory: What does it cost to start?
995 US dollars a month on Starter, including 20,000 tokens, a production PCI Level 1 environment and US hosting. Higher tiers are quoted.
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.
SourceBasis Theory: Can we switch payment processors without re-collecting cards?
Yes, that is the main non-compliance reason to buy it. You hold the tokens and detokenise into whichever processor you route to.
Invoice2go: Does Invoice2go integrate with accounting software?
Yes, the Professional and Premium plans include integration with QuickBooks and Xero.
SourceBasis Theory: Is data stored outside the United States?
Not on Starter, which is US only. Other regions require a Scale or Enterprise agreement.
Related pages
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