PayPal Invoicing vs Harvest

Two invoicing & payments tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	PayPal InvoicingPayPal	HarvestHarvest
In one line	Invoices clients can pay with PayPal, Venmo, or card	Time tracking that turns hours into invoices
Starting price	Free	From $9/person
Six-person team	$0/mo	$54/mo
On $10,000 of card sales	$309/mo	Your own card processor
Plans	No monthly fee; PayPal or Venmo 3.49% + 49¢; cards 2.99% + 49¢; +1.5% international	Free (1 seat, 2 projects); Teams from $9/seat/mo billed yearly ($11 monthly); Enterprise from $14/seat/mo yearly ($17.50 monthly); extra invoices, projects, clients billed by usage (rates not published); 30-day trial
Pricing model	Free	Free tier
Free trial	—	30 days
Users	Unlimited	1 on free
Both connect to	QuickBooks Online, Xero
Also connects to	Zoho Books, Akaunting, ZipBooks	No others on record
Team size	Just me · 2–10 people	Just me · 2–10 people · 11–50 people
Available in	US · UK · CA · AU	US · UK · CA · AU
Phone support	Plans not stated	Teams and up
Live chat	Every plan	None listed
Support hours	Not published	Not published
Incidents posted	PayPal has a public status page. Status page	0 incidents posted on Harvest's status page, which covers all Harvest products and regions, in the 90 days to Oct 27, 2026. Status page
Capterra score	4.7 / 5 from 595 reviews	4.5 / 5 from 655 reviews
Trustpilot score	Not listed	1.6 / 5 from 24 reviews
Fit: Retail shop	35	20
Fit: Restaurant or café	20	10
Fit: Service business	80	82
Fit: Agency or studio	75	92
Fit: Trades or contractor	75	55
Fit: Online store	60	20
Why people pick it	Clients trust and already use PayPal No monthly fee	Time to invoice in a few clicks Free for one person
Where it falls short	Higher fees than Stripe or Square Account holds are a known risk	Usage fees not published Built for hourly billing only
	Visit PayPal Invoicing ↗	Visit Harvest ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. Card sales costs include the plan price and card fees at US rates, at a $500 average sale. How we calculate prices