# FreshBooks, PayPal Payments vs Square Payments Comparison

| | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Star Rating** | 4.5 out of 5 | 4.4 out of 5 | 4.5 out of 5 | 
| **Total Reviews** | 975 | 2,745 | 176 | 
| **Largest Market Segment** | Small-Business (86.4% of reviews) | Small-Business (64.8% of reviews) | Small-Business (89.7% of reviews) | 
| **Entry Level Price** | Starting at $2.30 Per Month | $0 per month | No pricing available | 

---
## Top Pros & Cons

### FreshBooks

Pros:
- Ease of Use (208 reviews)
- Customer Support (113 reviews)

Cons:
- Invoicing Issues (40 reviews)
- Limited Features (34 reviews)

### PayPal Payments

Pros:
- Ease of Use (357 reviews)
- Easy Payments (252 reviews)

Cons:
- High Fees (177 reviews)
- Expensive (157 reviews)

### Square Payments

Pros:
- Ease of Use (7 reviews)
- Easy Payments (6 reviews)

Cons:
- High Fees (5 reviews)
- Limited Features (3 reviews)

---
## Ratings Comparison
| Rating | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
  | **Meets Requirements** | 8.8 (774 reviews) | 9.0 (2229 reviews) | 9.3 (130 reviews) | 
  | **Ease of Use** | 9.1 (877 reviews) | 9.1 (2260 reviews) | 9.5 (131 reviews) | 
  | **Ease of Setup** | 9.2 (474 reviews) | 8.9 (720 reviews) | 9.1 (56 reviews) | 
  | **Ease of Admin** | 9.2 (337 reviews) | 8.4 (330 reviews) | 9.2 (42 reviews) | 
  | **Quality of Support** | 9.2 (721 reviews) | 8.3 (2105 reviews) | 8.5 (103 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.2 (332 reviews) | 8.1 (327 reviews) | 8.9 (42 reviews) | 
  | **Product Direction (% positive)** | 8.7 (768 reviews) | 8.3 (2198 reviews) | 8.2 (125 reviews) | 

---
## Pricing

### FreshBooks

#### Entry-Level Pricing

Plan: Lite

Price: Starting at $2.30 Per Month

Description: For professionals with basic needs

Key Features:
- Send unlimited invoices to up to 5 clients
- Track unlimited expenses
- Send unlimited estimates

[Browse all 4 editions](https://www.g2.com/products/freshbooks/pricing)

#### Free Trial

Yes

### PayPal Payments

#### Entry-Level Pricing

Plan: On Website - Basic

Price: $0 per month

Key Features:
- Accept credit cards and PayPal on your site
- Swipe cards in your store and on the go
- Create and email invoices for fast payment

[Browse all 3 editions](https://www.g2.com/products/paypal/pricing)

#### Free Trial

No

### Square Payments

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

---
## Features Comparison By Category

### Expense Management

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | 7.4/10 | 150 |
| **PayPal Payments** | N/A | N/A |
| **Square Payments** | N/A | N/A |

#### Expense Reports

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Ease of Creating Expense Reports** | 8.6 (106 reviews) | Not enough data | Not enough data | 
| **Bank / Credit Card Integration** | 8.0 (100 reviews) | Not enough data | Not enough data | 
| **Smart Categorization** | 7.6 (99 reviews) | Not enough data | Not enough data | 
| **Digital Receipt Management** | 8.1 (98 reviews) | Not enough data | Not enough data | 
| **Employee Reimbursement** | 7.1 (80 reviews) | Not enough data | Not enough data | 
| **Currency Conversions** | 7.2 (87 reviews) | Not enough data | Not enough data | 
| **Credit Card Integration** | 7.9 (90 reviews) | Not enough data | Not enough data | 

#### Agentic AI - Expense Management

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | Not enough data | 
| **Cross-system Integration** | Not enough data | Not enough data | Not enough data | 

#### Travel Management

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Ease of Booking** | 6.8 (79 reviews) | Not enough data | Not enough data | 
| **Itinerary Management** | 6.5 (76 reviews) | Not enough data | Not enough data | 
| **Trip Notifications** | 6.1 (71 reviews) | Not enough data | Not enough data | 
| **Advanced Integrations** | 6.5 (72 reviews) | Not enough data | Not enough data | 

#### Client Invoicing

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Invoice Creation and Delivery** | 9.0 (136 reviews) | Not enough data | Not enough data | 
| **Electronic Payments** | 8.4 (119 reviews) | Not enough data | Not enough data | 
| **Project Accounting / Revenue Recognition** | 8.2 (124 reviews) | Not enough data | Not enough data | 

#### Generative AI - Expense Management

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Image-to-Text** | Not enough data | Not enough data | Not enough data | 
| **Text Generation** | Not enough data | Not enough data | Not enough data | 
| **Text Summarization** | Not enough data | Not enough data | Not enough data | 

#### Mobile

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Receipt Capture** | 8.2 (84 reviews) | Not enough data | Not enough data | 
| **Mileage Tracking** | 6.9 (81 reviews) | Not enough data | Not enough data | 
| **Travel Itinerary and Flight Status Updates** | 5.6 (73 reviews) | Not enough data | Not enough data | 

#### Platform

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Embedded AI / Machine Learning** | 6.2 (63 reviews) | Not enough data | Not enough data | 
| **Complex Approval Workflow** | 6.3 (66 reviews) | Not enough data | Not enough data | 

#### Administration

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **PCI Regulation Compliant** | 7.0 (63 reviews) | Not enough data | Not enough data | 

#### Administration

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Business Tool Integration** | 7.2 (105 reviews) | Not enough data | Not enough data | 
| **Workflow** | 7.8 (106 reviews) | Not enough data | Not enough data | 
| **Automated Reminders** | 7.6 (113 reviews) | Not enough data | Not enough data | 
| **Policy Compliance Management** | 7.2 (103 reviews) | Not enough data | Not enough data | 
| **User, Role, and Access Management** | 7.9 (111 reviews) | Not enough data | Not enough data | 

#### Platform

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Reporting** | 8.3 (128 reviews) | Not enough data | Not enough data | 
| **APIs / Integration** | 7.2 (97 reviews) | Not enough data | Not enough data | 
| **Internationalization** | 7.0 (94 reviews) | Not enough data | Not enough data | 
| **Performance and Reliability** | 9.0 (126 reviews) | Not enough data | Not enough data | 
| **Mobile User Support** | 8.3 (115 reviews) | Not enough data | Not enough data | 
| **Offline** | 7.0 (99 reviews) | Not enough data | Not enough data | 

### Accounting

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | 8.0/10 | 451 |
| **PayPal Payments** | N/A | N/A |
| **Square Payments** | N/A | N/A |

#### General Ledger

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Journal Entries** | 8.1 (234 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Tags / Dimensions** | 7.8 (228 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Audit Trail** | 8.1 (224 reviews) ✓ Verified | Not enough data | Not enough data | 

#### Accounts Receivable

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Invoice Customization** | 8.7 (398 reviews) ✓ Verified | Not enough data | Not enough data | 
| **AR Automation** | 8.5 (310 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Collections Automation** | 8.2 (275 reviews) ✓ Verified | Not enough data | Not enough data | 

#### Accounts Payable

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **AP Automation** | 8.2 (271 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Payment Processing** | 8.7 (328 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Purchase Orders** | 7.6 (142 reviews) | Not enough data | Not enough data | 

#### Other Functionality

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Inventory Tracking / Ordering** | 7.1 (125 reviews) | Not enough data | Not enough data | 
| **Inventory Pricing and Costing** | Feature Not Available | Not enough data | Not enough data | 
| **Inventory Reporting** | 7.5 (157 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Multi-Entity / Consolidation** | 7.0 (128 reviews) | Not enough data | Not enough data | 
| **Recognition Rules** | 7.2 (132 reviews) | Not enough data | Not enough data | 
| **Reconciliations** | 7.5 (144 reviews) | Not enough data | Not enough data | 
| **Payroll** | 7.6 (154 reviews) | Not enough data | Not enough data | 
| **Time and Expense** | 8.6 (319 reviews) ✓ Verified | Not enough data | Not enough data | 

#### Reporting & Analytics

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Financial Statements** | 8.7 (365 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Custom Reporting** | 8.1 (201 reviews) | Not enough data | Not enough data | 
| **Budgeting / Forecasting** | 7.6 (191 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Dashboards** | 8.8 (387 reviews) ✓ Verified | Not enough data | Not enough data | 

#### Platform

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Customization** | 7.9 (164 reviews) | Not enough data | Not enough data | 
| **Workflow Capability** | 7.6 (151 reviews) | Not enough data | Not enough data | 
| **User, Role, and Access Management** | 8.4 (288 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Internationalization** | 7.4 (137 reviews) | Not enough data | Not enough data | 
| **Performance and Reliability** | 9.0 (380 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Output Document Generation** | 8.3 (153 reviews) | Not enough data | Not enough data | 

#### Integration

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Data Import and Export Tools** | 8.2 (271 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Integration APIs** | 8.0 (194 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Breadth of Partner Applications** | 7.6 (217 reviews) | Not enough data | Not enough data | 

#### Cash Flow

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Track Cash Flow** | 8.3 (202 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Income and Expenses** | 8.8 (288 reviews) ✓ Verified | Not enough data | Not enough data | 
| **File Exports** | 8.4 (244 reviews) ✓ Verified | Not enough data | Not enough data | 

#### Budgeting & Forecasting

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Budgeting / Forecasting** | 7.6 (191 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Data Import** | 8.1 (165 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Versioning** | 7.6 (136 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Historical Data** | 8.2 (203 reviews) ✓ Verified | Not enough data | Not enough data | 

#### Revenue

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Revenue Types** | 8.4 (227 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Revenue Allocation** | 7.8 (169 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Scheduling** | 8.0 (163 reviews) | Not enough data | Not enough data | 

#### Payroll

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Direct Deposit** | 7.8 (112 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Check/W-2 Printing** | 7.4 (105 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Tax Calculation** | 7.7 (114 reviews) ✓ Verified | Not enough data | Not enough data | 
| **Reporting and Dashboards** | 8.2 (124 reviews) ✓ Verified | Not enough data | Not enough data | 

#### AI

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Data Extraction** | 7.6 (38 reviews) | Not enough data | Not enough data | 
| **Invoice Processing** | 7.5 (35 reviews) | Not enough data | Not enough data | 
| **Expense Management** | 7.8 (35 reviews) | Not enough data | Not enough data | 
| **Fraud Detection** | 7.5 (36 reviews) | Not enough data | Not enough data | 
| **Tax Compliance** | 7.4 (35 reviews) | Not enough data | Not enough data | 
| **Support Chatbots** | 7.0 (38 reviews) | Not enough data | Not enough data | 
| **Bank Reconciliations** | 7.3 (45 reviews) | Not enough data | Not enough data | 
| **Report Generation** | 7.6 (39 reviews) | Not enough data | Not enough data | 
| **Customizable Alerts** | 7.0 (42 reviews) | Not enough data | Not enough data | 
| **Predictive Analytics** | 7.4 (37 reviews) | Not enough data | Not enough data | 

#### Mobile Applications - Accounting

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Cloud Integration** | 9.2 (12 reviews) | Not enough data | Not enough data | 
| **Notifications** | 8.9 (11 reviews) | Not enough data | Not enough data | 
| **UI** | 9.0 (13 reviews) | Not enough data | Not enough data | 
| **Offline** | 7.8 (10 reviews) | Not enough data | Not enough data | 
| **Expense Tracking** | 8.5 (12 reviews) | Not enough data | Not enough data | 
| **Invoice Management** | 8.6 (15 reviews) | Not enough data | Not enough data | 

#### Agentic AI - Accounting

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | Not enough data | 

### Payment Gateways

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | N/A | N/A |
| **PayPal Payments** | 8.7/10 | 2089 |
| **Square Payments** | 8.9/10 | 49 |

#### Payment Options

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Coupons, Discounts, Promotions, and Gift Cards** | Not enough data | Feature Not Available | 8.6 (14 reviews) | 
| **Recurring Billing** | Not enough data | Feature Not Available | 9.3 (10 reviews) | 
| **Instant Payment** | Not enough data | 9.0 (1616 reviews) | 9.4 (14 reviews) | 
| **Accepted Credit Cards and Debit Cards** | Not enough data | 9.2 (1631 reviews) | 9.9 (15 reviews) | 
| **ACH Payments and eCheck Processing** | Not enough data | 8.4 (1178 reviews) | 9.0 (10 reviews) | 
| **Split Payments** | Not enough data | 8.4 (1110 reviews) | 9.5 (11 reviews) | 
| **Real-Time Payments** | Not enough data | Feature Not Available | 9.7 (13 reviews) | 
| **Multi-Currency** | 7.3 (64 reviews) | 9.0 (610 reviews) | 7.6 (26 reviews) | 
| **Online payment portal** | 8.4 (75 reviews) | 9.1 (628 reviews) | 9.1 (37 reviews) | 

#### Administration

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Reporting/Dashboards** | Not enough data | Feature Not Available | 9.2 (14 reviews) | 
| **User, Role, and Access Management** | Not enough data | Feature Not Available | 9.6 (15 reviews) | 
| **Payout Time** | Not enough data | 8.5 (1523 reviews) | 9.1 (15 reviews) | 
| **Manual Payment Entry** | Not enough data | 8.6 (1364 reviews) | 8.6 (14 reviews) | 
| **Dispute Resolution** | Not enough data | Feature Not Available | 7.6 (12 reviews) | 
| **Omnichannel** | 7.1 (66 reviews) | 8.6 (494 reviews) | 8.6 (30 reviews) | 
| **Levels 1 & 2** | 6.8 (67 reviews) | 8.5 (477 reviews) | 8.3 (28 reviews) | 
| **Level 3** | 7.0 (67 reviews) | 8.4 (463 reviews) | 8.0 (22 reviews) | 

#### Security

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **PCI Compliance** | Not enough data | 8.6 (646 reviews) | 9.1 (9 reviews) | 
| **Fraud Protection Tools** | Not enough data | Feature Not Available | 9.7 (11 reviews) | 
| **Data Tokenization** | Not enough data | 8.7 (1170 reviews) | 9.4 (9 reviews) | 
| **Two-Factor Authentication** | Not enough data | 8.8 (1362 reviews) | 9.6 (12 reviews) | 
| **POS Verification** | 7.4 (62 reviews) | 8.7 (480 reviews) | 8.8 (33 reviews) | 

#### Development

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Customization (Fields, Objects, and Layouts)** | Not enough data | 8.4 (1290 reviews) | 8.3 (11 reviews) | 
| **APIs** | Not enough data | Feature Not Available | 9.4 (9 reviews) | 
| **Accounting Software Integration** | Not enough data | 8.5 (1109 reviews) | 7.8 (10 reviews) | 
| **E-Commerce Software Integration** | Not enough data | 8.7 (1208 reviews) | 8.0 (11 reviews) | 

#### Platform

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Performance and Reliability** | Not enough data | 8.9 (1473 reviews) | 9.4 (12 reviews) | 
| **Internationalization - Currency/Language** | Not enough data | 8.9 (1351 reviews) | 9.0 (10 reviews) | 
| **Internationalization - Operating Country** | Not enough data | 8.9 (1330 reviews) | 8.5 (8 reviews) | 
| **API / Integrations** | Not enough data | 8.7 (1083 reviews) | 7.9 (8 reviews) | 
| **PCI Regulation Compliance** | Not enough data | 8.6 (1073 reviews) | 9.2 (6 reviews) | 
| **Supplemental Technology** | Not enough data | Feature Not Available | 9.3 (7 reviews) | 
| **Accounting integration** | 7.6 (67 reviews) | 8.6 (475 reviews) | 8.3 (30 reviews) | 
| **E-commerce Integration** | 7.1 (64 reviews) | 8.8 (505 reviews) | 8.6 (30 reviews) | 

#### Agentic AI - Payment Gateways

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | 9.1 (69 reviews) | Not enough data | 
| **Cross-system Integration** | Not enough data | 8.8 (68 reviews) | Not enough data | 
| **Decision Making** | Not enough data | 8.8 (68 reviews) | Not enough data | 

### Payroll

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | 8.3/10 | 17 |
| **PayPal Payments** | N/A | N/A |
| **Square Payments** | N/A | N/A |

#### Employee Self Service

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Web Portal** | Feature Not Available | Not enough data | Not enough data | 
| **Benefits Manager** | Feature Not Available | Not enough data | Not enough data | 
| **Mobile** | Feature Not Available | Not enough data | Not enough data | 

#### Administration

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Payroll Entry** | 8.6 (15 reviews) | Not enough data | Not enough data | 
| **Time Off Accrual** | Feature Not Available | Not enough data | Not enough data | 
| **Direct Deposit** | 9.3 (16 reviews) | Not enough data | Not enough data | 
| **Expense Reimbursement** | 8.3 (11 reviews) | Not enough data | Not enough data | 
| **Pre-tax Deductions** | Feature Not Available | Not enough data | Not enough data | 
| **Wage Garnishment** | 7.6 (14 reviews) | Not enough data | Not enough data | 
| **Approvals** | Feature Not Available | Not enough data | Not enough data | 
| **Check/W-2 Printing** | Feature Not Available | Not enough data | Not enough data | 
| **Check/W-2 Delivery** | Feature Not Available | Not enough data | Not enough data | 

#### Taxes

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Tax Calculation** | 8.0 (17 reviews) | Not enough data | Not enough data | 
| **Tax Filing** | 7.7 (14 reviews) | Not enough data | Not enough data | 
| **Automatic Tax Payment** | 7.9 (14 reviews) | Not enough data | Not enough data | 

#### Integration

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **API / Integration** | Feature Not Available | Not enough data | Not enough data | 
| **Time Tracking Integration** | Feature Not Available | Not enough data | Not enough data | 
| **Accounting Integration** | 7.9 (13 reviews) | Not enough data | Not enough data | 
| **Core HR Integration** | Feature Not Available | Not enough data | Not enough data | 

#### Platform

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Reporting and Dashboards** | 8.1 (14 reviews) | Not enough data | Not enough data | 
| **User, Role, and Access Management** | 8.7 (15 reviews) | Not enough data | Not enough data | 
| **Performance and Reliability** | 8.7 (13 reviews) | Not enough data | Not enough data | 
| **Scalability** | 8.6 (14 reviews) | Not enough data | Not enough data | 

### Installment Payment and Buy Now Pay Later (BNPL)

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | N/A | N/A |
| **PayPal Payments** | 9.1/10 | 221 |
| **Square Payments** | N/A | N/A |

#### Administration - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Email Notifications** | Not enough data | 9.1 (186 reviews) | Not enough data | 
| **Invoicing** | Not enough data | 9.1 (179 reviews) | Not enough data | 
| **Customer Portal** | Not enough data | 8.9 (184 reviews) | Not enough data | 
| **Loyalty Management** | Not enough data | 8.7 (171 reviews) | Not enough data | 

#### Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Payment Gateway** | Not enough data | 9.0 (188 reviews) | Not enough data | 
| **Payment Tracking** | Not enough data | 8.9 (186 reviews) | Not enough data | 
| **E-commerce Integration** | Not enough data | 9.0 (172 reviews) | Not enough data | 
| **Payment Scheduling** | Not enough data | 8.9 (176 reviews) | Not enough data | 

#### Agentic AI  - Installment Payment and Buy Now Pay Later (BNPL) features

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Adaptive Learning** | Not enough data | 9.4 (36 reviews) | Not enough data | 
| **Proactive Assistance** | Not enough data | 9.3 (36 reviews) | Not enough data | 
| **Decision Making** | Not enough data | 9.4 (36 reviews) | Not enough data | 

### Payment Processing

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | 7.5/10 | 100 |
| **PayPal Payments** | 8.8/10 | 798 |
| **Square Payments** | 8.5/10 | 69 |

#### Payment Processing

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Encryption** | 8.3 (80 reviews) | 9.3 (271 reviews) | 9.0 (50 reviews) | 
| **Credit Card Processing** | 8.5 (87 reviews) | 9.1 (236 reviews) | 9.4 (59 reviews) | 
| **Mobile Payments** | 8.2 (79 reviews) | 9.3 (248 reviews) | 9.4 (52 reviews) | 
| **Digital Wallet Integration** | 7.3 (67 reviews) | 9.2 (253 reviews) | 8.8 (40 reviews) | 

#### Administration

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Reporting & Analytics** | 8.3 (84 reviews) | 9.0 (227 reviews) | 8.8 (51 reviews) | 
| **E-commerce Integration** | 6.8 (68 reviews) | 9.1 (238 reviews) | 8.4 (38 reviews) | 
| **Processing Fees** | 6.6 (84 reviews) | 7.4 (287 reviews) | 7.1 (58 reviews) | 
| **POS Integration** | 7.0 (64 reviews) | 8.9 (209 reviews) | 8.9 (45 reviews) | 
| **Omnichannel** | 7.1 (66 reviews) | 8.6 (494 reviews) | 8.6 (30 reviews) | 
| **Levels 1 & 2** | 6.8 (67 reviews) | 8.5 (477 reviews) | 8.3 (28 reviews) | 
| **Level 3** | 7.0 (67 reviews) | 8.4 (463 reviews) | 8.0 (22 reviews) | 

#### Payment Options

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Multi-Currency** | 7.3 (64 reviews) | 9.0 (610 reviews) | 7.6 (26 reviews) | 
| **Online payment portal** | 8.4 (75 reviews) | 9.1 (628 reviews) | 9.1 (37 reviews) | 

#### Security

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **POS Verification** | 7.4 (62 reviews) | 8.7 (480 reviews) | 8.8 (33 reviews) | 

#### Platform

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Accounting integration** | 7.6 (67 reviews) | 8.6 (475 reviews) | 8.3 (30 reviews) | 
| **E-commerce Integration** | 7.1 (64 reviews) | 8.8 (505 reviews) | 8.6 (30 reviews) | 

### Billing

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | 8.0/10 | 161 |
| **PayPal Payments** | N/A | N/A |
| **Square Payments** | N/A | N/A |

#### Bill Generation

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Templates** | 8.4 (143 reviews) | Not enough data | Not enough data | 
| **Digital Billing** | 8.6 (146 reviews) | Not enough data | Not enough data | 
| **Recurring Billing** | 8.3 (134 reviews) | Not enough data | Not enough data | 

#### Bill Processing

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Consolidation** | 7.6 (128 reviews) | Not enough data | Not enough data | 
| **Batch Invoicing** | 7.8 (124 reviews) | Not enough data | Not enough data | 
| **Management** | 8.3 (127 reviews) | Not enough data | Not enough data | 

#### Integration

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Accounting** | 7.9 (131 reviews) | Not enough data | Not enough data | 
| **Payments** | 8.4 (133 reviews) | Not enough data | Not enough data | 
| **ERP** | 7.1 (102 reviews) | Not enough data | Not enough data | 

#### Agentic AI - Billing

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | Not enough data | 

### Payments Orchestration

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | N/A | N/A |
| **PayPal Payments** | 9.3/10 | 65 |
| **Square Payments** | N/A | N/A |

#### Architecture

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Unified API** | Not enough data | 9.1 (47 reviews) | Not enough data | 
| **POL** | Not enough data | 9.1 (46 reviews) | Not enough data | 
| **Integrations** | Not enough data | 9.5 (49 reviews) | Not enough data | 

#### Processing

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Validation** | Not enough data | 9.4 (49 reviews) | Not enough data | 
| **Automation** | Not enough data | 9.4 (49 reviews) | Not enough data | 
| **Cross Border** | Not enough data | 9.3 (48 reviews) | Not enough data | 
| **Routing** | Not enough data | 9.5 (48 reviews) | Not enough data | 
| **Reconciliation** | Not enough data | 9.5 (48 reviews) | Not enough data | 

#### Risk & Compliance

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Failed payments** | Not enough data | 9.1 (46 reviews) | Not enough data | 
| **Tokenization** | Not enough data | 9.2 (48 reviews) | Not enough data | 
| **Compliance** | Not enough data | 9.4 (48 reviews) | Not enough data | 

#### Analytics

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Consolidation** | Not enough data | 9.3 (48 reviews) | Not enough data | 
| **Optimization** | Not enough data | 9.4 (48 reviews) | Not enough data | 
| **Fraud** | Not enough data | 9.0 (48 reviews) | Not enough data | 

#### Agentic AI - Payments Orchestration

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | 9.5 (39 reviews) | Not enough data | 
| **Cross-system Integration** | Not enough data | 9.5 (39 reviews) | Not enough data | 

### Contractor Payments

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | N/A | N/A |
| **PayPal Payments** | N/A | N/A |
| **Square Payments** | 9.5/10 | 5 |

#### Platform Basics

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Performance** | Not enough data | Not enough data | 10.0 (5 reviews) | 
| **Portal** | Not enough data | Not enough data | 9.7 (5 reviews) | 

#### Platform Administration

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Integrations** | Not enough data | Not enough data | 7.7 (5 reviews) | 
| **Compliance** | Not enough data | Not enough data | 9.7 (5 reviews) | 
| **Reporting** | Not enough data | Not enough data | 9.7 (5 reviews) | 

#### Platform Payment Content

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Document management** | Not enough data | Not enough data | 9.3 (5 reviews) | 
| **Invoicing Tool** | Not enough data | Not enough data | 10.0 (5 reviews) | 
| **Wage access** | Not enough data | Not enough data | 9.7 (5 reviews) | 

### SAP Store

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | N/A | N/A |
| **PayPal Payments** | 9.8/10 | 19 |
| **Square Payments** | N/A | N/A |

#### Agentic AI - SAP Store

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | 9.7 (17 reviews) | Not enough data | 
| **Multi-step Planning** | Not enough data | 9.7 (17 reviews) | Not enough data | 
| **Cross-system Integration** | Not enough data | 9.8 (17 reviews) | Not enough data | 
| **Adaptive Learning** | Not enough data | 9.8 (17 reviews) | Not enough data | 
| **Natural Language Interaction** | Not enough data | 9.9 (17 reviews) | Not enough data | 
| **Proactive Assistance** | Not enough data | 9.8 (17 reviews) | Not enough data | 
| **Decision Making** | Not enough data | 9.9 (17 reviews) | Not enough data | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | N/A | N/A |
| **PayPal Payments** | N/A | N/A |
| **Square Payments** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | Not enough data | 

### Time Tracking

| Product | Score | Reviews |
|---|---|---|
| **FreshBooks** | 8.1/10 | 145 |
| **PayPal Payments** | N/A | N/A |
| **Square Payments** | N/A | N/A |

#### Time Tracking

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Ease of Completing Timesheets** | 8.8 (71 reviews) | Not enough data | Not enough data | 
| **Tracking Time to Project/Task** | 8.9 (76 reviews) | Not enough data | Not enough data | 
| **Billable Time Rate Management** | 8.9 (77 reviews) | Not enough data | Not enough data | 

#### Client Invoicing

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Invoice Creation and Delivery** | 9.0 (136 reviews) | Not enough data | Not enough data | 
| **Electronic Payments** | 8.4 (119 reviews) | Not enough data | Not enough data | 
| **Project Accounting / Revenue Recognition** | 8.2 (124 reviews) | Not enough data | Not enough data | 

#### Mobile Time Tracking

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Time Tracking** | 8.6 (76 reviews) | Not enough data | Not enough data | 

#### Administration

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Business Tool Integration** | 7.2 (105 reviews) | Not enough data | Not enough data | 
| **Workflow** | 7.8 (106 reviews) | Not enough data | Not enough data | 
| **Automated Reminders** | 7.6 (113 reviews) | Not enough data | Not enough data | 
| **Policy Compliance Management** | 7.2 (103 reviews) | Not enough data | Not enough data | 
| **User, Role, and Access Management** | 7.9 (111 reviews) | Not enough data | Not enough data | 

#### Platform

| Feature | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Reporting** | 8.3 (128 reviews) | Not enough data | Not enough data | 
| **APIs / Integration** | 7.2 (97 reviews) | Not enough data | Not enough data | 
| **Internationalization** | 7.0 (94 reviews) | Not enough data | Not enough data | 
| **Performance and Reliability** | 9.0 (126 reviews) | Not enough data | Not enough data | 
| **Mobile User Support** | 8.3 (115 reviews) | Not enough data | Not enough data | 
| **Offline** | 7.0 (99 reviews) | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (1):** [Payment Processing Software](https://www.g2.com/categories/payment-processing)

**Unique to FreshBooks (5):** [Time Tracking Software](https://www.g2.com/categories/time-tracking-software), [Expense Management Software](https://www.g2.com/categories/expense-management), [Payroll Software](https://www.g2.com/categories/payroll), [Billing Software](https://www.g2.com/categories/billing), [Accounting Software](https://www.g2.com/categories/accounting)

**Unique to PayPal Payments (4):** [Payments Orchestration Software](https://www.g2.com/categories/payments-orchestration), [SAP Store Software](https://www.g2.com/categories/sap-store), [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl), [Payment Gateways](https://www.g2.com/categories/payment-gateways)

**Unique to Square Payments (2):** [ Contractor Payment Software](https://www.g2.com/categories/contractor-payments), [Payment Gateways](https://www.g2.com/categories/payment-gateways)


---
## Reviewer Demographics

### By Company Size

| Segment | FreshBooks | PayPal Payments | Square Payments | 
|---|---|---|---|
| **Small-Business** | 86.4% | 64.8% | 89.7% | 
| **Mid-Market** | 8.9% | 23.1% | 9.1% | 
| **Enterprise** | 4.6% | 12.1% | 1.2% | 

### By Industry

#### FreshBooks

- **Marketing and Advertising:** 17.2%
- **Information Technology and Services:** 6.3%
- **Accounting:** 5.0%
- **Graphic Design:** 4.6%
- **Computer Software:** 4.1%
- **Consulting:** 4.0%
- **Design:** 3.8%
- **Management Consulting:** 3.7%
- **Internet:** 3.5%
- **Construction:** 3.3%
- **Other:** 44.6%

#### PayPal Payments

- **Information Technology and Services:** 7.0%
- **Computer Software:** 6.7%
- **Marketing and Advertising:** 6.7%
- **Retail:** 5.4%
- **Internet:** 3.7%
- **Accounting:** 2.9%
- **Education Management:** 2.7%
- **Apparel & Fashion:** 2.3%
- **Financial Services:** 2.3%
- **Higher Education:** 2.1%
- **Other:** 58.1%

#### Square Payments

- **Food & Beverages:** 10.4%
- **Health, Wellness and Fitness:** 6.7%
- **Non-Profit Organization Management:** 6.7%
- **Retail:** 6.7%
- **Information Technology and Services:** 4.3%
- **Apparel & Fashion:** 3.7%
- **Construction:** 3.7%
- **Design:** 3.7%
- **Marketing and Advertising:** 3.1%
- **Arts and Crafts:** 3.1%
- **Other:** 47.9%

---
## Alternatives

### Alternatives to FreshBooks

- [QuickBooks Desktop Pro](https://www.g2.com/products/quickbooks-desktop-pro/reviews) — 4.3/5 stars (1766 reviews)
- [Xero](https://www.g2.com/products/xero/reviews) — 4.4/5 stars (1633 reviews)
- [NetSuite](https://www.g2.com/products/netsuite/reviews) — 4.1/5 stars (4808 reviews)
- [Zoho Books](https://www.g2.com/products/zoho-books/reviews) — 4.4/5 stars (328 reviews)
- [Wave](https://www.g2.com/products/wave/reviews) — 4.3/5 stars (323 reviews)
- [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) — 4.4/5 stars (1805 reviews)
- [BigTime](https://www.g2.com/products/bigtime/reviews) — 4.5/5 stars (1693 reviews)
- [QuickBooks Desktop Enterprise](https://www.g2.com/products/quickbooks-desktop-enterprise/reviews) — 4.3/5 stars (1058 reviews)
- [BQE CORE](https://www.g2.com/products/core-bqe-software-inc/reviews) — 4.3/5 stars (449 reviews)
- [HoneyBook](https://www.g2.com/products/honeybook/reviews) — 4.5/5 stars (217 reviews)

### Alternatives to PayPal Payments

- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (368 reviews)
- [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews)
- [BlueSnap](https://www.g2.com/products/bluesnap/reviews) — 4.1/5 stars (107 reviews)
- [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews)
- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (450 reviews)
- [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 3.9/5 stars (39 reviews)
- [WePay](https://www.g2.com/products/wepay/reviews) — 3.6/5 stars (68 reviews)
- [Shift Payment](https://www.g2.com/products/shift-4/reviews) — 3.2/5 stars (23 reviews)
- [Paytm Business](https://www.g2.com/products/paytm-business/reviews) — 4.5/5 stars (282 reviews)
- [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) — 4.4/5 stars (249 reviews)

### Alternatives to Square Payments

- [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews)
- [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 3.9/5 stars (39 reviews)
- [GoDaddy Payments](https://www.g2.com/products/godaddy-payments/reviews) — 4.2/5 stars (25 reviews)
- [Shift Payment](https://www.g2.com/products/shift-4/reviews) — 3.2/5 stars (23 reviews)
- [Heartland Payments+](https://www.g2.com/products/heartland-payments/reviews) — 4.2/5 stars (13 reviews)
- [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews)
- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (450 reviews)
- [Venmo](https://www.g2.com/products/paypal-venmo/reviews) — 4.6/5 stars (269 reviews)
- [CardConnect](https://www.g2.com/products/cardconnect/reviews) — 2.4/5 stars (22 reviews)
- [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) — 4.4/5 stars (249 reviews)

---
## Top Discussions

### FreshBooks

- Title: [Does FreshBooks support recurring billing?](https://www.g2.com/discussions/does-freshbooks-support-recurring-billing) — 3 comments, 1 upvote *(includes official response)*
  > **Top comment:** "The FreshBooks employee time tracking feature allows employees to log and track time easily to their own time sheet. Account administrators get the final say..."
- Title: [What is the best way to manage deposits against future work as a consultant?](https://www.g2.com/discussions/25036-what-is-the-best-way-to-manage-deposits-against-future-work-as-a-consultant) — 2 comments, 1 upvote
  > **Top comment:** "Hi Mark,

You most likely would benefit from the retainer feature in FB which allows you to track time against a retainer payment...."
- Title: [How do you like using Freshbooks](https://www.g2.com/discussions/24969-how-do-you-like-using-freshbooks) — 2 comments, 1 upvote
  > **Top comment:** "Hi Rodney,

We have used Freshbooks since 2013, and are in no way affiliated with them.

For the most part, our experience overall has been positive,..."
- Title: [What is FreshBooks?](https://www.g2.com/discussions/what-is-freshbooks) — 1 comment
  > **Top comment:** "Freshbooks is an online accounting system for service based businesses and is especially useful for creating invoices and tracking expenses. "
- Title: [What is FreshBooks used for?](https://www.g2.com/discussions/what-is-freshbooks-used-for) — 1 comment, 1 upvote
  > **Top comment:** " "What is FreshBooks used for" is easily answered when you Google - the description that is posted there: The best cloud based small business accounting..."

### PayPal Payments

- Title: [What is PayPal Credit used for?](https://www.g2.com/discussions/what-is-paypal-credit-used-for) — 8 comments, 5 upvotes
  > **Top comment:** "Instead of using your main bank card online, you can use the PayPal credit card, keeping your bank details more private."
- Title: [Allow visa gift card](https://www.g2.com/discussions/allow-visa-gift-card) — 8 comments, 3 upvotes
  > **Top comment:** "I think there is a reason why not only PayPal but other services also doesn't allow Visa gift card because I also have tried with many other services."
- Title: [PayPal Is NOt Returning USD 40,000 they kept for 180 Days After account suspension](https://www.g2.com/discussions/paypal-is-not-returning-usd-40-000-they-kept-for-180-days-after-account-suspension) — 7 comments, 1 upvote
  > **Top comment:** "I have one similar story - https://www.reddit.com/r/paypal/comments/jeuc6o/victory_funds_returned_after_a_long_battle_with/"
- Title: [how to add money to paypal](https://www.g2.com/discussions/how-to-add-money-to-paypal) — 5 comments, 1 upvote
  > **Top comment:** "To add using cash You can go to Walmart Walgreens 711 Dollar General & many other stores and simply tell the cashier you'd like to reload your PayPal card ..."
- Title: [Approved paypal credit](https://www.g2.com/discussions/45405-approved-paypal-credit) — 4 comments, 1 upvote
  > **Top comment:** "lal16877@gmail.com,reciev paypal"

### Square Payments

- Title: [Is Square software free?](https://www.g2.com/discussions/is-square-software-free) — 2 comments
  > **Top comment:** "Square is free but you do pay a percentage on every credit card transaction you make."
- Title: [How do I get notifications from the app?](https://www.g2.com/discussions/how-do-i-get-notifications-from-the-app) — 2 comments, 1 upvote
  > **Top comment:** "Hello "
- Title: [Can i use Sqare internationally?](https://www.g2.com/discussions/can-i-use-sqare-internationally) — 2 comments, 1 upvote
  > **Top comment:** "You can only use square internationally with cash payments, not card or tap-to-pay phone payments!"
- Title: [What is Square payment method?](https://www.g2.com/discussions/what-is-square-payment-method) — 1 comment
  > **Top comment:** "Square Payments Method is a payments system that targets smaller businesses and allows them to accept credit card payments and use tablet computers as..."
- Title: [What is the best way to use the Square Payments app?](https://www.g2.com/discussions/what-is-the-best-way-to-use-the-square-payments-app) — 1 comment, 1 upvote
  > **Top comment:** "The best way to use The square Reader, in my opinion, could be more than one way. 

Firstly,  you do not need the reader.  The fee per swipe is higher..."

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/freshbooks-vs-paypal-vs-square-payments)