1. Add your business and client details
Fill in your business name, logo, and contact information, then add the client you are billing. If you have a free account, click the client field to pick a saved client and every detail fills in automatically. You can also describe the whole invoice in one sentence and let AI fill everything.
2. Add items, tax, and payment details
List the products or services with quantities and prices, set a tax rate or discount if needed, and pick a payment method with your payment link. Saved items let you reuse your regular services with one tap.
3. Preview, download, and send
Watch the live preview update as you type, switch between 8 professional templates, download a print-ready PDF, or share a link your client can open anywhere and pay from.
No signup, no limits on creating
Many invoice makers cap free users at a few invoices per month or lock your data behind a paywall mid-job. Xqivo lets you create and download unlimited invoices for free, with no account required.
A Pay button on every invoice
Attach bank transfer, card, mobile money, PayPal, Paystack, cash, or crypto details and clients get a clear Pay button right on the invoice, in the PDF, and on shared links. Getting paid is part of the invoice, not an upsell.
AI writes it in one sentence
Describe the work and let AI build the invoice: items, quantities, dates, notes, and payment details. It matches your saved items by name, so your regular services fill in with the right prices.
Built for how you get paid
Multi-currency invoices with live exchange rates, MTN Mobile Money and Paystack support, and GHS native pricing make Xqivo work for freelancers in Ghana, Africa, and worldwide.
Is this invoice generator really free?
Yes. Creating, previewing, and downloading PDF invoices is free with no account required. A free account adds saved invoices, clients, and items. Pro unlocks unlimited saves and all 8 premium templates.
Do I need to sign up to create an invoice?
No. The generator works fully without an account. Type your details, watch the live preview, and download the PDF instantly. Accounts are only for saving history across devices.
Can I add a payment link so clients can pay the invoice?
Yes. Pick a payment method (bank transfer, card, mobile money, PayPal, Paystack, cash, or crypto), paste your payment link or account details, and every invoice gets a Pay button in the PDF and on shared links.
Can the AI write my invoice for me?
Yes. Describe the invoice in one sentence, for example 'Invoice Acme Corp for 2500 dollars of design work, net 14', and AI fills in the items, totals, dates, and payment details. Free accounts get 5 AI generations per month.