FreshBooks is built for people who sell their hours. Consultants, designers, developers, small agencies. The time tracking to invoice pipeline is the smoothest in this entire list, the invoices are the best looking, and the payment chasing is polite and automatic in a way that materially improves how quickly freelancers get paid.
We include it because a lot of South African independents use it and like it. We rank it where we do because as a South African accounting system it has real gaps that you should understand before committing.
The compliance gap
There is no South African VAT module. You can add a tax at 15% and label it VAT, and the invoices will look right, but there is no VAT201 report, no supply category handling and no accountant workflow built for SARS. If you are VAT registered, your bookkeeper will be building the return outside the system every two months.
Bank feeds for South African banks are limited to a third party aggregator where they work at all, and reconciliation is not a strength.
Currency
Billing is in US dollars. That means the cost moves with the rand and carries a card forex fee. At the entry tier the difference between a good month and a bad month for the currency is meaningful over a year, and it should be budgeted as a variable cost rather than a fixed one.
Who should buy it
Sole traders and micro consultancies below the VAT registration threshold who bill by the hour and want to get paid faster. If you are VAT registered, or you carry stock, or you need a proper ledger for an accountant, look at Zoho Books or Sage Accounting instead.