Invoicing and payment software

RealtyCoworker vs Square Invoices: Payments App or Client Hub?

Q: How do I charge a monthly fee to agents on my team?

In RealtyCoworker, set up a recurring invoice or a subscription and it bills each agent on schedule. Square Invoices also supports recurring invoices.

Square Invoices is one of the strongest free invoicing tools around, with contracts and e-signatures included. Here is how it compares with RealtyCoworker for agents who need the leads before the payments.

By Drew Decher, Founder of T.O.M Digital MarketingUpdated October 16, 20264 min read

Quick verdict

Square Invoices is a great free way to send invoices, estimates and e-sign contracts, especially if you already take card payments with Square. For real estate agents and brokers, RealtyCoworker is the better overall choice because it puts the same kind of billing tools inside a CRM with Voice AI, texting, booking and real estate follow-up automations.

At a Glance: RealtyCoworker vs Square Invoices

Feature	RealtyCoworker	Square Invoices
Starting price	$99/month (Essentials)	Square Free $0; Plus $49/month per location, as of October 2026
Online card rate	Set by your processor, such as Stripe	3.3% + 30¢ on Free; 2.9% + 30¢ on Plus and Premium
ACH on invoices	Through your connected processor	1%, $1 minimum; $10 cap on Plus and Premium
Invoices by text	Yes, text-to-pay	Yes, email, SMS or link
Contracts and e-signature	Yes, with templates	Yes, with templates and AI-written clauses
Estimates to invoices	Yes	Yes; automatic conversion on Plus
In-person card payments	Not a focus	Yes, with Square hardware
CRM and pipeline	Built in	Customer Directory and project view
Calls, texting and AI follow-up	Voice AI, missed-call text back, automations	Not included
Trial	30 days	Free plan; 30-day trial of Plus and Premium

Competitor details checked on their official websites as of October 16, 2026. Prices and features change, so confirm on their site before you buy.

Where Square Invoices Shines

Square Invoices is part of Square’s commerce platform, and its free tier is generous. You can send unlimited invoices and recurring invoices, estimates and contracts by email, SMS or a shareable link. Contracts can be built from reusable templates, written from scratch or drafted with AI-generated clauses, and clients sign on their phone. You can even require a signed contract before an invoice can be paid.

If you already use a Square reader for in-person payments, everything lands in one Square account. For a team that sells a moving-prep service or hosts paid workshops, that is a tidy setup.

Where It Stops

Square Invoices is built to get you paid, and it does that well. It keeps a Customer Directory and a project view, but it is not a CRM with lead stages, automated follow-up, a business phone number or an AI assistant that answers calls.

For an agent, getting paid is the last step of a long chain. A buyer finds your open house in Red Bank, signs in, needs a text that evening, a check-in two days later and a consult booked next week. Square does not run that chain. RealtyCoworker does, with ready-made open house follow-up and buyer and seller inquiry workflows.

Billing Head to Head

On pure invoicing, these two are closer than most comparisons in this series. Both send invoices and estimates by text, both handle recurring billing, and both collect e-signatures from templates. Square’s paid plans add batch invoices, milestone payment schedules, custom invoice templates and automatic estimate-to-invoice conversion.

RealtyCoworker’s Payments adds a product catalog, coupons, gift cards and subscriptions, so a broker can bill a monthly coaching program for newer agents or a team leader can run monthly desk fees. Its document templates pull fields from the contact record, and a signed document can generate an invoice automatically.

Pricing and Processing Fees

Square’s US pricing page, as of October 2026, lists Square Free at $0, Square Plus at $49 per month per location and Square Premium at $149 per month per location. Online and invoice card payments run 3.3% plus 30¢ on Free and 2.9% plus 30¢ on Plus and Premium. ACH bank transfers on invoices cost 1% with a $1 minimum, capped at $10 on the paid plans.

RealtyCoworker Essentials is $99 per month and Lift Off is $249 per month, with annual plans at $990 and $2,490. Usage like calls, texts and AI minutes is billed separately, and processing fees come from the provider you connect. If invoicing is your only need, Square Free costs less. If you are also paying for a CRM, phone app and scheduler, RealtyCoworker usually replaces them.

Mobile Experience

Square is strong on mobile. You can create and send invoices from the Square Invoices app or the point of sale app, and accept cards in person with Square hardware.

RealtyCoworker’s mobile app is built for the agent in the car between showings: reply to texts and DMs, call from your business number, move a deal in the pipeline and check the calendar. Billing is there too, but the app’s focus is staying on top of people.

Support

Square offers phone and chat support, with phone hours that vary by subscription and 24/7 phone support on Premium. Its help center is extensive.

RealtyCoworker is supported by T.O.M Digital Marketing in New Jersey, and Lift Off adds 1:1 onboarding, priority chat and done-for-you setup. Comparing more tools? See RealtyCoworker vs FreshBooks or the full invoicing software roundup for real estate agents.

Where Each One Wins

Where Square Invoices wins

Unlimited invoices, estimates and e-sign contracts on a free plan
AI-assisted contract clauses and the option to require a signature before payment
Strong in-person payments with Square hardware
Transparent, published processing rates and an ACH fee cap on paid plans
Polished mobile apps for invoicing on the go

Where RealtyCoworker wins

Invoices and contracts sit inside a full CRM with a pipeline and contact timeline
Voice AI and missed-call text back answer clients before there is anything to bill
Open house, buyer, seller and nurture workflows run follow-up automatically
Subscriptions, products, coupons and gift cards for team and coaching programs
Unlimited users with no per-location software fees

Choose Square Invoices if: Choose Square Invoices if you mainly need free invoicing and contracts, you already take in-person payments with Square, and your leads are handled in another system.

Our verdict

The Winner for Real Estate Agents: RealtyCoworker

Square Invoices is one of the best free billing tools available, and its contracts feature is a real plus. Still, RealtyCoworker is the winner for real estate agents and brokers. It gives you comparable invoicing, e-signatures and text-to-pay, then wraps them in the tools that bring in the business: AI that answers calls and texts, a pipeline and real estate automations. You trade a free plan for one system that replaces several subscriptions.

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RealtyCoworker Features in This Comparison

Square Invoices vs RealtyCoworker: FAQ

Is Square Invoices free for real estate agents?

Yes, Square Free has no monthly fee. You pay processing fees when clients pay, such as 3.3% plus 30¢ for online card payments and 1% for ACH, as of October 2026.

Can Square Invoices send contracts for e-signature?

Yes. Square includes contracts, contract templates and e-signature, and can require a signed contract before payment. RealtyCoworker also offers documents and contracts with e-signature.

Can I use Square as my payment processor in RealtyCoworker?

RealtyCoworker connects to processors such as Stripe. Check with support about other processors before you plan around one.

Does Square Invoices work as a real estate CRM?

Not really. It has a Customer Directory and project view for billing, but no lead pipeline, phone system or follow-up automations.

How do I charge a monthly fee to agents on my team?

In RealtyCoworker, set up a [recurring invoice](/features/payments/#recurring-invoices) or a subscription and it bills each agent on schedule. Square Invoices also supports recurring invoices.

RealtyCoworker is not affiliated with, endorsed by, or sponsored by the companies named in this article. All product names and trademarks belong to their owners and are used only to identify the products compared. We aim to be fair and accurate; if you spot something out of date, email drew@alwaystopofmind.com and we will fix it.

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