Stripe vs. Square vs. PayPal for Small Businesses: Fees, Payouts, Hardware, and the Effective-Rate Math
Stripe is cheapest online at 2.9% + 30¢, Square wins in person with free POS and next-day payouts, and PayPal costs most but converts best.
#invoicing
Invoicing
Create and manage invoices for efficient billing workflows
2/10 Net 30, Explained: What Trade-Credit Terms Mean, Why Skipping the Discount Costs 36 Percent APR, and How to Book It
Paying a 2/10 net 30 invoice on day 30 instead of day 10 costs 2% for 20 days of float — about a 36% annualized rate. Take the discount.
Wave vs. ZipBooks vs. Akaunting: Free Accounting Software Compared for Small Businesses
Wave offers the fullest free core, ZipBooks the simplest start, and Akaunting free self-hosted books — compare invoicing, bank feeds, and payroll costs.
Invoice vs. Receipt vs. Bill: Which Document Requests Payment, Which Proves It, and Why Your Bookkeeper Files Each One Differently
An invoice requests payment, a receipt proves it, and a bill is the buyer's name for the invoice — each books to a different account.
Remittance Advice, Explained: The Payment Slip That Tells Your Supplier Which Invoices You Paid
Remittance advice tells your supplier which invoices a payment covers — invoice numbers, discounts, and credits included — so cash applies cleanly.
The MSA and the SOW, Explained for Freelancers and Agencies: What Goes in the Master Agreement vs. the Statement of Work
An MSA holds the relationship terms — payment, IP, liability — while each SOW defines one project's scope, milestones, and fees.
The Consulting Agreement Checklist for Freelancers and Agencies: Scope, Ownership, Payment Terms, and Liability Caps
Cap liability at fees paid, assign IP only on full payment, and require a 30-50% deposit — the consulting-agreement clauses that protect freelancers.
How to Reconcile Stripe Billing, Subscriptions, and Invoicing Without Double-Counting Revenue for SaaS Companies
Book each Stripe dollar once as gross revenue when earned; route fees and refunds through a clearing account and treat payouts as transfers, never income.
Convenience Fees vs. Surcharges: The Flat Fee You Can Charge When Surcharge Rules Say You Can't
A surcharge is a capped percentage tied to the card; a convenience fee is a flat charge tied to the channel — mislabel one and surcharge rules still apply.
Your Invoices Could Soon Pay Themselves: What Autonomous AP Means for Your Small Business
Autonomous AP software codes, matches, and pays invoices with humans touching only exceptions, cutting processing costs from ~$15 to under $3 per invoice.
India's GSTR-3B Hard Lock: Your Input Credit Now Moves Only as Fast as Your Slowest Vendor
Locked GSTR-3B pulls Table 4 ITC only from GSTR-2B via IMS accept actions — a late-filing vendor now delays credit you already paid for.
Namibia Doubled Its VAT Registration Threshold to N$1 Million — and Put E-Invoicing on a Slower Track
Namibia raised mandatory VAT registration to N$1M turnover and shelved the April 2026 e-invoicing date for a multi-year rollout with no fixed launch.