I currently use Harvest for time tracking, creating invoices and sending it out. It would be nice to see a list of features and costs without signing up. It looks like time tracking, approval is free to use. Connecting to Quickbooks costs 10$/month. To create and send invoices you have to choose to receive payments through Tiempo, which will cost 3.9% of the invoice amount. Customers get an option to pay by credit card.

I can see this simplifies the process for a lot of people. Being able to send invoices without using the payment service is personally a deal breaker as it would be way higher than the 19$ I currently pay.