The Best Invoicing Software for Filipino Businesses

Smarter invoicing made for SMEs in the Philippines

Buyer’s overview

Be honest: how much time do you spend creating invoices, chasing payments, and reconciling transactions? If the answer is "too much," you're not alone. Many Filipino businesses still rely on manual invoicing—an approach that often leads to errors, misplaced paperwork, and delayed payments. These issues don’t just create frustration; they directly impact cash flow and business stability.

The reality is that invoicing doesn’t have to be this complicated. Modern invoice software can automate everything from invoice creation and payment reminders to tracking and reporting, reducing administrative burdens and giving you more time to focus on growing your business. Better yet, many of these tools integrate with payment platforms like Paymongo and financial tracking systems like Google Sheets, ensuring smoother operations and more accurate financial records.

As the Philippine business landscape becomes more competitive and globalized, leveraging technology isn’t just a convenience—it’s a necessity. Investing in smarter financial tools can help your business stay efficient, agile, and profitable in the long run.

Large taxpayers in the Philippines are required to have e-invoicing by 2026.

Comparison

Mochi
FreshBooks
QuickBooks
Zoho
Conta
Unlimited Invoices
Customer Management
Ease of Use
Free Trial Available
Designed for Filipino SMBs

Mochi

Mochi Solutions is a Filipino-based billing and collections platform designed to streamline invoicing processes for small and medium-sized enterprises (SMEs). By automating tasks such as invoice creation, delivery, and payment follow-ups, Mochi reduces manual workloads and minimizes errors, allowing businesses to focus on growth. The platform offers features like customizable invoice templates, multiple payment options—including credit cards, bank transfers, and digital wallets like GCash—and real-time payment tracking, ensuring a seamless and efficient billing experience. ​

Beyond its technical capabilities, Mochi is committed to fostering financial inclusion for businesses of all sizes in the Philippines. The company's mission is to empower Filipino entrepreneurs, accounting teams, and visionaries by providing financial tools that fuel growth. By digitizing invoicing and automating routine tasks, Mochi enables businesses to concentrate on expanding their reach and achieving their goals, thereby contributing to the broader economic development of the region. ​

Mochi's user-centric approach caters to a diverse range of industries, including marketing and advertising agencies, property management firms, financial portfolio managers, review centers, freelancers, gym and wellness studios, and meal plan providers. This versatility showcases Mochi's adaptability to various business needs, further solidifying its role in supporting the growth and success of Filipino enterprises.

Key features

  • Automated Invoicing: Streamlines invoice creation and ensures timely payments.
  • Customizable Invoice Templates: Allow businesses to tailor invoices to project a professional image and strengthen brand identity.
  • Invoice Payment Reminders: Automate rent, tuition, and membership fee collections with scheduled payments.
  • Real-Time Tracking: Monitor cash flow and outstanding payments effortlessly.
  • Multi-Currency Support: Accepting payments in various currencies without conversion hassles.
  • Local Payment Processing: Accept payments through Philippine banks and e-wallets.
  • Compliance Support: Ensure alignment with local tax and invoicing regulations.

What Users Love

Mochi simplifies and organizes revenue collection. By leveraging Mochi, we're able to easily initiate, manage, and coordinate all of our payment collections in an easy-to-use central hub.

Cohen Harris
CEO & Founder, TechUp

Automating payment reminders helped us foster better client relationships. By having Mochi send invoices and payment reminders, we get to keep a professional relationship with our clients without making it feel transactional.

Mikee Canaman
CEO, Sowenscale

Pros and cons

Pros
Automated invoicing minimizes manual work.
Design customized invoices that showcase your brand.
Connect seamlessly with financial tools and payment gateways.
60-day free trial
Download financial reports to monitor business growth.
Cons
No mobile app
No built-in inventory management

Pricing

  • Trial Plan
    Price: Free for 60 days
    Ideal for: Startups aiming to explore Mochi's capabilities without initial costs​
  • Design Partner Plan
    Price: PHP 188 per month or PHP 2,256 per year​
    Ideal for: Businesses seeking full feature access while contributing feedback to enhance the platform​
  • Standard Plan
    Price: PHP 1,899 per month or PHP 18,990 per year​
    Ideal for: Small teams managing multiple customers with varying due dates​
  • Premium Plan
    Price: Contact Mochi at contactus@mochi.ph for pricing details​
    Ideal for: Businesses requiring system integrations, unlimited usage, and enhanced security
Experience simplified invoicing with Mochi today!

Freshbooks

FreshBooks is a cloud-based accounting software tailored for freelancers and small businesses, aiming to simplify financial management through its user-friendly interface and comprehensive features. Users can effortlessly create and customize professional invoices, incorporating their branding elements to maintain a consistent image. The platform supports automated billing and recurring invoices, reducing manual tasks and ensuring timely payments. Expense tracking is streamlined, allowing users to categorize and monitor expenditures efficiently, which is crucial for accurate financial reporting and tax preparation. Additionally, FreshBooks offers time-tracking capabilities, enabling professionals to log billable hours directly into invoices, thus ensuring transparency and accuracy in client billing. ​

One of the standout benefits of FreshBooks is its cloud-based accessibility, allowing users to manage their finances from any device with an internet connection. This flexibility is particularly advantageous for professionals who are frequently on the move or manage remote teams. The platform integrates seamlessly with various payment gateways, facilitating quicker transactions and improving cash flow. Moreover, FreshBooks minimizes manual data entry and calculations, reducing the risk of errors in financial records. Accurate financial data is crucial for making informed decisions and staying compliant with tax regulations. ​

Key features
  • Customizable invoicing
  • Client-facing invoice-viewing, payments, and communication.
  • Simplifies tax filing with automated expense categorization.
Pros and cons
Pros
Accessible for beginners
User-friendly dashboard
Customer-friendly features
Cons
Limited customization options for advanced users
Higher pricing tiers compared to some competitors
Fewer third-party app integrations compared to competitors.
Pricing
  • Lite: $15/month
  • Plus: $30/month
  • Premium: $55/month

Quickbooks

QuickBooks is a comprehensive accounting and financial management software developed by Intuit, designed to cater to the needs of small to medium-sized businesses. The platform encompasses a wide array of features, including invoicing, expense tracking, payroll management, tax preparation, and inventory management, all consolidated into an easy-to-use interface. Users can generate and send invoices efficiently, track expenses by linking bank accounts, and manage employee payrolls with accuracy. The inventory management feature allows businesses to monitor stock levels and receive notifications for reordering, ensuring optimal inventory control. ​

QuickBooks' cloud-based accessibility ensures that business owners and their accounting teams can access financial data securely from any location, promoting collaboration and real-time decision-making. The software offers customizable reports, such as profit-and-loss statements, balance sheets, and cash flow reports, providing valuable insights into the financial health of the business. These detailed reports facilitate strategic planning and informed decision-making. Furthermore, QuickBooks integrates with numerous third-party applications, enhancing its functionality and allowing businesses to tailor the software to their specific needs. The platform's continuous evolution and addition of new features demonstrate Intuit's commitment to meeting the dynamic requirements of modern businesses.

Key features
  • Professional invoices with automated payment reminders.
  • Automate employee payroll, tax calculations, and direct deposits.
  • Sync with bank accounts for real-time transaction tracking.
Pros and cons
Pros
Automated payment collection
User-friendly dashboard
Seamless integration
Cons
Limited invoice design flexibility
Can be overwhelming for beginners.
Advanced features require additional fees.
Pricing
  • Simple Start: $25/month
  • Essentials: $50/month
  • Plus: $80/month

Zoho

Zoho Invoice is a cloud-based invoicing software specifically designed to meet the needs of freelancers and small businesses, offering a suite of tools to streamline financial operations. Users can create professional invoices with customizable templates, ensuring that each invoice reflects the brand's identity. The software supports automated billing for recurring clients, reducing manual intervention and ensuring timely invoicing. Expense tracking is made simple, allowing users to categorize expenses and attach receipts, which aids in accurate financial reporting and tax preparation. Additionally, Zoho Invoice facilitates online payments by integrating with multiple payment gateways, enabling clients to pay directly through the invoice, thus accelerating the payment process.​

The intuitive interface of Zoho Invoice ensures that users, regardless of their accounting expertise, can navigate the platform with ease. The software's integration capabilities extend to various Zoho applications and third-party tools, allowing businesses to create a cohesive ecosystem for managing different aspects of their operations. Time-tracking features enable users to log billable hours, which can be directly converted into invoices, ensuring accuracy in client billing. Moreover, Zoho Invoice supports multi-currency transactions, making it a suitable choice for businesses dealing with international clients. The platform's mobile accessibility ensures that users can manage their invoicing and financial tasks on the go, providing flexibility and convenience.​

Key features
  • On-the-go invoicing with the Zoho Invoice mobile app.
  • Log billable hours and convert them into invoices.
  • Invoice clients in different currencies and languages.
  • Multi-channel e-commerce support
Pros and cons
Pros
Mobile app available
Easy bank reconciliation
Billable hours to invoice
Cons
No advanced accounting features.
Not ideal for large businesses.
Invoice design restrictions
Pricing
  • Free demo account available.

Conta

Conta is a free, cloud-based invoicing solution tailored for freelancers, small businesses, and startups, aiming to simplify billing and financial management. The platform offers unlimited invoicing with customizable templates, allowing users to maintain a professional appearance in their client communications. Automated payment reminders can be set up to notify clients of upcoming or overdue payments, reducing the need for manual follow-ups and improving cash flow. Conta supports multi-currency invoicing, making it suitable for businesses with international clientele, and real-time payment tracking provides users with up-to-date information on their receivables.​

The user-friendly interface of Conta ensures that even those with minimal accounting experience can navigate the platform effectively. Its cloud-based nature means that users can access their invoicing data from any device with an internet connection, offering flexibility and convenience. Mobile accessibility further enhances this flexibility, allowing users to manage their invoicing tasks on the go. By simplifying the billing process and automating routine tasks, Conta enables businesses to focus more on their core activities, thereby supporting growth and efficiency.​

Key features
  • Free unlimited invoicing
  • Set up automatic reminders for overdue payments
  • Invoice clients in their preferred currency
Pros and cons
Pros
Free unlimited invoicing
Generate and send as many invoices as needed.
Cons
Lacks bookkeeping and tax calculation tools.
May not scale well for larger enterprises.
Pricing
  • 100% free. No hidden costs or subscription fees.
  • May introduce additional paid features soon.

Challenges

  • ​Implementing invoice management software can significantly enhance business efficiency by automating processes and reducing manual errors. However, selecting a tool that aligns with a company's specific needs, integrates seamlessly with existing systems, and offers robust support is crucial. Addressing potential challenges early can streamline workflows, minimize errors, and expedite payment cycles. Common issues encountered with such systems include:​
1. Learning Curve and Adoption Issues
  • Many invoice billing tools feature complex interfaces that may not be intuitive for beginners. Without adequate training, teams might underutilize essential features, leading to inefficiencies. Additionally, transitioning from manual processes to digital solutions can meet resistance, as staff may be hesitant to adopt new technologies. This reluctance can result in continued reliance on manual data transfers between platforms, negating the benefits of automation.​
2. Manual Data Entry and Human Errors
  • Relying on manual data entry for invoicing increases the likelihood of mistakes such as typographical errors, incorrect figures, or missing information. Issues like duplicate or misplaced invoices can cause confusion and disrupt cash flow. Errors in tax calculations or discounts may lead to compliance problems or payment disputes. Without automation, staff must manually track payments, update records, and follow up on outstanding invoices, consuming valuable time and resources.​
3. Integration and Compliance Roadblocks
  • Some invoice software solutions struggle to integrate smoothly with other business tools like accounting software, Customer Relationship Management (CRM) systems, Enterprise Resource Planning (ERP) platforms, or payment gateways. Generating compliant invoices for various tax systems, such as VAT, can be challenging without automation. Diverse regional invoicing regulations may necessitate manual adjustments, increasing the risk of errors. Additionally, software lacking automatic tax calculation and reporting features can complicate compliance efforts. Businesses serving international clients might face limitations in handling multi-currency transactions and varying tax settings.​
4. Security and Data Protection Concerns
  • Managing sensitive financial data necessitates robust encryption, which some platforms may not provide. Unauthorized access or data breaches can expose both client and business financial information, leading to significant risks. Challenges in managing user access controls can make it difficult to enforce appropriate permissions. Furthermore, software updates or unexpected downtime can disrupt invoicing processes, adversely affecting business operations.​

Key Statistics

  • Manual invoicing takes time and is filled with errors
    Did you know that manually processing an invoice takes an average of 15 days? And roughly 39% of these invoices contain errors? Time to step up so your invoices are fast, customized, and error-free. (DocuClipper Accounts Payable Statistics for 2025)
  • M
    Manual invoicing costs 81% more than fully automated accounts payable. Automating invoicing tasks removes bottlenecks, lengthy approval processes, and eliminates redundant workflows that would usually keep costs high. (Nano Net Technologies Inc.)
  • Bottom-performing companies spend 10x in invoicing
    Top-performing companies processed invoices for $1.77 in 2023, while bottom performers faced costs as high as $10.89. That’s because efficient companies have automation to help them optimize their processes; thus, lowering invoicing costs and improving overall operations. (American Productivity & Quality Center (APQC))
  • The Philippine accounting market is growing
    Don’t be left behind. The Philippines accounting software market will increase by 6.4% each year between 2025 and 2031. This growth is driven by more companies are using cloud software, especially as remote work becomes more common. (6Wresearch Philippines Accounting Software Market (2025-2031) Outlook)

Key Features

Choosing the right automated invoicing software is crucial for businesses looking to streamline transactions, reduce errors, and improve cash flow. Here are some must-have features in an invoicing software:

1. Invoicing Automation
  • Instant Invoice Generation – Automatically create and send invoices with minimal effort.
  • Smart Recurring Billing – Set up automated billing cycles for subscriptions and repeat customers.
  • Auto Payment Follow-Ups – Send timely reminders to clients for due and overdue payments.
  • Live Invoice Tracking – Get real-time updates on sent, viewed, and paid invoices.
2. Integration and Compatibility
  • Multi-Payment Gateway Support – Accept payments via credit card, bank transfer, e-wallets, and more.
  • Accounting Software Sync – Seamlessly integrate with financial tools like JuanTax, Sprout Solutions, and Microsoft Excel.
  • CRM & ERP Compatibility – Connect with customer relationship and enterprise resource planning systems such as NetSuite, SYSPRO, and Oracle Fusion.
  • Multi-Currency & Tax Compliance – Automatically adjust for different currencies and tax regulations.
3. Customization and Reporting
  • Branded Invoices – Personalize invoices with logos, colors, and templates.
  • Custom Pricing & Discounts – Apply specific pricing rules, discounts, or promo codes.
  • Advanced Reporting & Analytics – Track revenue, overdue payments, and cash flow trends.
  • Client & Project-Based Billing – Assign invoices to specific clients or projects for better tracking.

Use Cases

Use case 1: Consulting Firms
Overview:

A budding consulting firm is rapidly expanding its client base in the Philippines. While growth is exciting, it also brings operational challenges—particularly in managing invoices and payments efficiently. As the number of clients increases, manual invoicing becomes time-consuming and error-prone, leading to delays in billing, missed follow-ups, and difficulties in tracking payments.

These inefficiencies not only disrupt cash flow but also create administrative burdens that take time away from client-focused work. Without a streamlined invoicing system, the firm risks financial disorganization. This could ultimately impact its credibility and ability to scale.

To address these issues, the firm recognizes the need for an automated billing solution that can help them save hours of manual work, ensure timely payments, and gain better visibility into their financial health. By embracing technology, they set the foundation for long-term success and sustainable expansion. But how will they choose the best one out of dozens of products available in the market today?

Challenges:
  • Manual and Time-Consuming Invoicing
  • Late and Unpaid Invoices
  • Complex Payment Tracking and Reporting
Features needed:
  • Automated Invoicing & Recurring Billing
  • Payment Reminders & Auto Follow-Ups
  • Integrated Multi-Payment Gateways
  • Automated Tax Calculations for the Philippines
Feature comparison:
Feature
Mochi
Freshbooks
Quickbooks
Zoho
Conta
Automated Invoicing & Recurring Billing
Payment Reminders & Auto Follow-Ups
Integrated Multi-Payment Gateways
Automated Tax Calculations for the Philippines
Use case 2: Travel Agency
Overview:

A small travel agency looking to specialize in personalized vacation packages and group tours faces increasing administrative challenges as its client base grows. With multiple bookings to manage, different payment schedules to track, and a mix of local and international clients, keeping up with manual invoicing has become overwhelming.

Delays in issuing invoices could lead to payment collection problems, while overlooked administrative tasks might result in errors affecting customer trust. The agency understands that efficient billing is crucial to maintaining smooth operations and ensuring a seamless experience for travelers.

To overcome these challenges, the travel agency has decided to implement an electronic invoicing system. By automating this part of their workflow, they can ensure that invoices are sent promptly, payment reminders are scheduled automatically, and transactions are accurately recorded. But can their budget afford such a huge addition?

Challenges:
  • Inconsistent and Delayed Invoicing
  • Tracking Partial Payments & Outstanding Balances
  • Compliance with Philippine tax regulations
Features needed:
  • Payment Scheduling & Installment Tracking
  • Multi-Currency & Tax-Compliant Invoicing
  • Integrated Payment Gateways
Feature comparison:
Feature
Mochi
Freshbooks
Quickbooks
Zoho
Conta
Payment Scheduling & Installment Tracking
Multi-Currency & Tax-Compliant Invoicing
Integrated Payment Gateways
Use Case 3: B2B Retail Business
Overview:

A B2B retail distributor plays a crucial role in the supply chain by providing products to various retailers, supermarkets, and specialty stores. However, managing bulk orders, diverse payment terms, and repeat transactions presents significant operational challenges.

The company often finds itself bogged down by manual invoicing, struggling to keep up with multiple clients while ensuring accurate records. Tracking overdue payments becomes a tedious task, leading to cash flow issues and strained business relationships. Additionally, reconciling accounts manually increases the risk of errors, delays, and inefficiencies that can negatively impact the company’s growth and profitability.

To streamline operations, the distributor aims to reduce manual invoicing time by 60%, improve on-time payments, and enhance customer satisfaction through a more efficient billing process. A modern billing solution tailored to their needs can free up valuable time, allowing them to focus on scaling their business, nurturing client relationships, and optimizing cash flow. But what’s the best way to achieve this transformation?

Challenges:
  • Manual Invoicing is Time-Consuming
  • Late Payments and Missed Follow-Ups
  • Complex Pricing and Bulk Discounts
Features needed:
  • Automated Invoice Generation
  • Custom Pricing & Discount Management
  • Automated Tax Calculations for the Philippines
Feature comparison:
Feature
Mochi
Freshbooks
Quickbooks
Zoho
Conta
Automated Invoice Generation
Custom Pricing & Discount Management
Automated Tax Calculations for the Philippines

Best Practices

A well-optimized billing software enhances overall business performance. Below are key best practices categorized into three distinct areas:

Ease of Use & Integration

Seamless Integration with Any Existing Software – Syncs invoices, payments, and reports with tools like Excel or Oracle.

Easy Invoice Creation & Customization – Allows quick generation of professional, branded invoices.

User-Friendly Dashboard & Reporting – Provides real-time insights into invoicing status and cash flow.

Payment Processing & Compliance

Multi-Payment Integration – Supports credit cards, bank transfers, and digital wallets for faster transactions.

Automated Tax Calculations – Applies the correct tax rates (VAT, etc) based on location.

Secure Payment Processing – Ensures encrypted, fraud-protected transactions for both businesses and clients.

Automation & Scalability

Recurring Invoicing & Subscription Billing – Automates billing cycles for repeat clients.

Payment Reminders & Follow-ups – Sends automated reminders to reduce late payments.

Multi-Currency & Multi-Language Support – Supports global transactions for international business growth.

FAQ

Invoice software can be complex, with many businesses facing challenges in automation, security, and efficiency. Below are some frequently asked questions to help you navigate and optimize your e invoicing software usage.

What is online invoicing software, and how does it work?

It’s a digital tool that helps businesses create, send, and manage invoices. An invoice system automates payment tracking, tax calculations, and reminders, making billing more efficient and reducing manual work.

Is online invoicing software suitable for freelancers and small businesses?

Absolutely! Many invoicing solutions offer affordable plans tailored to freelancers and small businesses, helping them automate invoicing, manage payments, and maintain professional financial records with minimal effort.

How can online invoicing software improve cash flow?

It speeds up the payment process by offering multiple payment options, sending automated reminders for overdue invoices, and providing real-time reports on outstanding payments. These help you get paid faster.

Is online invoicing software secure for handling transactions?

Yes, reputable invoicing software like Mochi uses encryption, fraud protection, and compliance with financial regulations to keep transactions and customer data secure.

Can I use online invoicing software for international clients?

Yes, many invoicing systems support multi-currency transactions and tax compliance for different regions. This makes it easier to bill and accept payments from international customers.

Get an invoicing software and improve operational efficiency today. Book a demo or start your 60-day free trial with Mochi now!