Square Ecosystem · Online & Commerce

Branded invoices that get paid faster — and cheaper.

Send NET-term invoices, recurring schedules, deposit + balance flows, and let customers pay via card or ACH. ACH is 1% capped at $10 per transaction.

Set up Square InvoicesAll ecosystem products

Best for

Built for these operators

  • Wholesale and B2B sellers with NET terms and recurring orders
  • Service businesses with deposit + balance-due workflows
  • Project-based work (photographers, contractors, consultants)
  • Anyone who's been emailing PDF invoices and asking for Venmo

What it does

Capabilities that matter on day one

  • Branded, mobile-friendly invoices

    Your logo, colors, and message. Customer pays from a hosted page on any device. Receipt and tax compliance built in.

  • ACH bank transfer at 1% (capped at $10)

    On a $5,000 invoice, that's $10 instead of $145 in card fees. We make ACH the default option on B2B invoices to lock in the savings.

  • NET 15 / 30 / 60 terms with automated reminders

    Send invoices with terms, configure reminder cadence, allow partial payments. Square emails customers automatically as due dates approach.

  • Recurring invoices for retainers, memberships, standing orders

    Set a cadence (weekly, monthly, quarterly), an end condition, and a payment method on file. Square sends and charges automatically; failed cards trigger dunning.

  • Deposit + balance-due flow

    Take a 25% deposit at booking, auto-charge the balance from the saved card on a configurable trigger. Refunds and partial cancellations are first-class.

  • Pay-by-link / Square Checkout Links

    Generate a hosted payment link to send via SMS, email, or QR code — no full invoice required for one-off payments.

How SugarPay deploys it

From signed contract to working configuration

  1. 01

    Brand + invoice template

    Logo, colors, business address, tax ID, payment terms language. Templates per customer type if you sell B2B and B2C.

  2. 02

    Customer import

    We import your customer list (with NET terms, custom pricing, and contact preferences) into Square Customer Directory.

  3. 03

    ACH enablement

    We turn on ACH and configure it as the default payment method for B2B invoices over a threshold (e.g., $500+). Lock in the savings without thinking about it.

  4. 04

    Recurring schedules

    Set up recurring invoices for retainer clients, memberships, and standing orders. End conditions, partial payment rules, dunning policy.

Pricing

Free with a Square account · Square Invoices Plus at $20/mo for advanced features

Card processing on online invoices runs 3.3% + 30¢ at Square's published rate. ACH bank transfer is 1% capped at $10 per transaction. SugarPay does not mark these up.

SugarPay does not mark up Square's software pricing. See the disclaimers for our reseller compensation disclosure.

Pairs especially well with

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Ready to get paid faster?

Tell us your invoice volume and average size — we'll model card vs. ACH savings on your actual book.

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