SnapPaid vs PayPal invoicing
PayPal invoicing, in the PayPal Business app, has no monthly fee, but it charges a fee on each payment: 3.49% + $0.49 when the client pays with PayPal or Venmo, and 2.99% + $0.49 by card. SnapPaid is an invoice app for one-person home-service workers that costs $9.99 a month after 3 free invoices and takes 0% of your pay, because the client pays you directly in Venmo, Cash App, PayPal or Zelle. SnapPaid also puts sealed photo or video proof of the job on the bill, stamped with the time and date, plus the place when location is on.
Comparison table
Prices and fees checked October 2026.
| SnapPaid | PayPal invoicing | |
|---|---|---|
| Price to start | First 3 invoices free | $0. No monthly fee |
| Paid plan | Unlimited: $9.99 a month, $44.99 for 6 months, or $69.99 a year | None. You pay a fee when the client pays |
| Fee on your payments | 0%. SnapPaid adds no processing fee | PayPal or Venmo 3.49% + $0.49. Card and Apple Pay 2.99% + $0.49. Pay Later 4.99% + $0.49. Bank (ACH) 1% with a $10 cap |
| How clients pay | Venmo, Cash App, PayPal or Zelle, in the client's own app. No card payments | PayPal, Venmo, Apple Pay, credit and debit cards, Pay Later and bank (ACH). Cash App and Zelle are not listed |
| Photo proof on the bill | Sealed photo or video proof, stamped with the time and date, plus the place when location is on | Attachments through the PayPal Invoicing API |
| Payment reminders | One-tap Nudge | Automatic reminders |
| Repeat billing | Bill again | Recurring invoices |
| Estimates | No | Yes |
| Made for | One-person home-service workers | Payments, with invoicing as one feature |
Who PayPal invoicing fits
- Workers who send few invoices and prefer no monthly fee.
- Workers who want clients to pay by card, Pay Later or bank transfer on the invoice.
- Workers who want automatic reminders, recurring invoices and estimates.
Who SnapPaid fits
- One-person home-service workers who bill often enough that per-payment fees add up.
- Workers whose clients pay in Venmo, Cash App, PayPal or Zelle and who want 0% taken by the app.
- Workers who want time-stamped photo or video proof of the job on the bill.
Worked example: a $120 house cleaning
A solo cleaner bills a client $120 for one cleaning.
PayPal invoice, client pays with Venmo or PayPal: 3.49% of $120 = $4.19, plus $0.49 = $4.68 in fees. The cleaner receives $115.32.
PayPal invoice, client pays by card: 2.99% of $120 = $3.59, plus $0.49 = $4.08 in fees.
PayPal invoice, client pays by bank (ACH): 1% of $120 = $1.20 in fees.
SnapPaid, client pays in Venmo, Cash App, PayPal or Zelle: 0% of $120 = $0 taken by SnapPaid. SnapPaid adds no processing fee. Any fee set by the payment app itself is separate.
Over a month. A cleaner with 4 weekly clients sends about 17 bills a month. If all 17 cleanings at $120 were paid with Venmo on a PayPal invoice, the fees would be 17 x $4.68 = $79.56. SnapPaid Unlimited is $9.99 a month, and SnapPaid takes $0 of each payment.
FAQ
Is PayPal invoicing free?
There is no monthly fee. PayPal charges a fee when the client pays: 3.49% + $0.49 for PayPal or Venmo, 2.99% + $0.49 for cards, and 1% with a $10 cap for bank (ACH).
Can clients pay a PayPal invoice with Venmo?
Yes. Venmo is one of the payment options on a PayPal invoice, at 3.49% + $0.49 per payment.
Can clients pay a PayPal invoice with Cash App or Zelle?
Cash App and Zelle are not listed as payment options on PayPal invoices. With SnapPaid, clients can pay in Venmo, Cash App, PayPal or Zelle.
Does SnapPaid take a percentage of my pay?
No. SnapPaid takes 0% and adds no processing fee. The client pays you directly in their own payment app.
Is SnapPaid cheaper than PayPal invoicing?
It depends on how much you bill. On a $120 job paid with Venmo, a PayPal invoice costs $4.68 in fees. SnapPaid takes $0 of the payment and costs $9.99 a month for unlimited invoices.
Does SnapPaid accept card payments like PayPal?
No. SnapPaid does not process cards. Clients pay in Venmo, Cash App, PayPal or Zelle.
Last checked: October 2026.