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Accounting · head to head

Invoice2go vs Mesh Payments

Invoice2go logo

Invoice2go

Accounting

Mobile-first invoicing app for small businesses and freelancers

From
On request
Rated
-
Full reviewWebsite
Mesh Payments logo

Mesh Payments

Accounting

Virtual card and spend management platform aimed at SaaS and travel spend

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Mesh Payments has a free tier, so it costs nothing to try first.
  • Each has a real cost: Invoice2go starter plan caps invoices at just 30 per year, forcing an upgrade for most active businesses.; Mesh Payments cashback only applies above a monthly spend threshold published at around fifty thousand dollars, so smaller programmes pay the per user fee and never see the rebate that justifies it.
  • They diverge on capability: Invoice2go covers Invoice creation and customization, Mesh Payments covers Per vendor virtual cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Invoice2go and Mesh Payments actually diverge.

Attributes where Invoice2go and Mesh Payments differ
AttributeInvoice2goMesh Payments
Starting priceOn requestFree
Pricing modelsubscriptionPer user per month
Free tierNoYes

Identical on both: platforms (web, ios, android), user rating (Not yet rated), category (Accounting).

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 Invoice2go

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

Only in Mesh Payments

  • Per vendor virtual cards
  • Physical and virtual employee cards
  • Subscription and renewal tracking
  • Receipt capture and matching
  • Approval workflows
  • Travel spend controls
  • Accounting sync
  • Cashback programme

What people use each for

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

Invoice2go

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

Mesh Payments

  • A software company trying to stop shadow SaaS renewals by giving every vendor its own capped cardnot Invoice2go
  • A finance team that wants receipts matched at the point of spend rather than chased at month endnot Invoice2go
  • A business issuing single use cards for contractor and agency payments with hard limitsnot Invoice2go
  • A team funding trip specific spend with a card that expires when the trip endsnot Invoice2go

Where each one falls short

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

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.

Mesh Payments

  • Cashback only applies above a monthly spend threshold published at around fifty thousand dollars, so smaller programmes pay the per user fee and never see the rebate that justifies it.
  • Revenue depends on interchange, which means Mesh has a structural interest in card spend running through its rails and less incentive to support bank transfer or direct debit payment methods that many suppliers prefer.
  • Card issuing is limited to the entities and countries Mesh's issuing partners support, so groups with subsidiaries outside that footprint must run a second card programme and lose the single view they bought Mesh for.
  • The free Pro tier caps at three users, which is below the size at which spend control actually becomes a problem, so it functions as a trial rather than a usable plan.
  • It is a spend and card tool rather than an accounts payable system, so invoice heavy businesses still need a separate AP platform and end up reconciling two sources of supplier spend.

Pricing, plan by plan

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

Mesh Payments

Free
  • ProFree
    • Up to 3 users
    • Virtual and physical cards
    • Receipt capture
  • Premium$13/month
    • Unlimited users
    • Approval workflows
    • Subscription management
  • Enterprise$undefined/month
    • Multi entity support
    • SSO and advanced controls
    • Custom approval hierarchies

Which should you pick?

Choose Invoice2go if

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

Choose Mesh Payments if

  • You need per vendor virtual cards.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want physical and virtual employee cards.
Mesh Payments review

Questions people ask

Is Invoice2go or Mesh Payments better?
Neither clearly leads. Invoice2go starts at On request and Mesh Payments at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Invoice2go or Mesh Payments?
Mesh Payments has a free tier; the other does not. Paid plans start at On request for Invoice2go and Free for Mesh Payments.
Does Invoice2go or Mesh Payments run on more platforms?
Invoice2go runs on web, ios, android. Mesh Payments runs on Web, iOS, Android.
Can I use Mesh Payments for free?
Yes. Mesh Payments has a free tier, so you can try it without paying. Invoice2go starts at On request.
What is Invoice2go best used for?
Invoice2go is most often used for freelancers invoicing clients from a mobile device, small service businesses tracking estimates and projects, businesses wanting integrated card and ach payments, businesses syncing invoices with quickbooks or xero. Of those, freelancers invoicing clients from a mobile device and small service businesses tracking estimates and projects are not what Mesh Payments is typically brought in for.
What can Invoice2go do that Mesh Payments cannot?
Invoice2go covers Invoice creation and customization, Estimates and projects, In-app payments, Automated reminders. Mesh Payments covers Per vendor virtual cards, Physical and virtual employee cards, Subscription and renewal tracking, Receipt capture and matching.

Answered from the vendors’ own pages

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
Mesh Payments: Is the free plan really free?

Yes for up to three users, with cards and receipt capture included. Beyond three users you move to the paid tier.

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
Mesh Payments: How does Mesh make money on a thirteen dollar plan?

Interchange on card spend. The subscription is a minority of revenue, which is why the cashback programme has a monthly spend threshold attached.

Invoice2go: Does Invoice2go integrate with accounting software?

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

Source
Mesh Payments: Can Mesh replace our accounts payable process?

Not fully. It controls card spend well but invoice capture, supplier onboarding and payment runs are better served by a dedicated AP tool.

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