I'd love to hear what people are using for sending invoices (with follow up emails if it's not paid) and collecting payment (ACH/CC). I've used Wave Accounting and Stripe for my invoices but I hate paying the Stripe invoice+tax fee but it's still less than the Amex fee on Wave so I put up with it. Maybe these are the best tools available to me at this price point and for my usage (4-6 invoices a year, $2-10K/ea) but I'm open to alternatives.