Invoicing and payments for small businesses
Estimate the work.
Send the invoice.
Get paid.
…and always know what you owe. Customers pay by card from a link or QR code, reminders chase what is late, and your bills and vendors sit beside your invoices. The Agent drafts the work in plain language; nothing it drafts charges a card or reaches a customer until a person, or your own capped rule, approves it.
One invoice, five steps
From a finished job to a paid invoice
The same flow every time, with you in charge of every step that sends or charges.
What BillingMart is
BillingMart is receivables and payables software for small businesses. It sends invoices and estimates, takes card payments on a pay link and chases what is late; it also tracks your bills, who you owe and when, and the payments you have made. An AI Agent drafts the work in plain language, and nothing it drafts charges a card or reaches a customer until a person, or your own capped rule, approves it.
- 12
- starter business models
- each with its own words, fields and payment terms
- 44
- things it does
- every one shipped, none on a roadmap
- 32
- currencies
- stored beside the amount, never mixed
- 13
- languages a client can be set to
- English, Spanish, French, German and Arabic are translated; the rest fall back to English
Receivables and payables
Money coming in, and money you owe
One workspace for both sides, with the same approvals and the same audit log.
Money coming in
Estimates that become invoices, a pay link or QR code on every one, reminders by email and SMS, and a view of who owes you what and when it will probably arrive.
Money you owe
Vendors and bills with a due date and an approval step, vendor bills read from a photo into a draft, the payments you record, and what is due this week.
Four ways in
Use it from wherever the work is
The console, the Agent, your own code and your own assistant all reach the same server, which decides every total and every permission.
The console
Invoices, payments, approvals and settings at app.billingmart.com.
BillingMart Agent
A chat inside the console that drafts and proposes, with the approval card in the conversation.
REST API
Every operation over HTTPS with scoped keys, idempotent writes and signed webhooks.
Your own assistant
ChatGPT, Claude or Gemini over MCP: it reads and drafts, and what it asks to send goes out once a signed-in person, or the workspace owner’s capped rule for a connection the owner put in Auto approves it.
Shipped and working
What BillingMart does today
44 capabilities, every one live — listed from the same registry the pricing page and the plans read, so nothing here is on a roadmap.
Invoicing
Invoices
Numbered per business inside the transaction that sends them, so a number is never reused or skipped.
Estimates
Send, record the customer’s acceptance from their portal under their verified contact, and convert an accepted estimate into an invoice.
Jobs, deposits, progress billing and retainage
Bill a job in stages, hold a deposit against it and withhold retainage in the totals of each progress invoice.
and 2 more in invoicing
Clients and portal
Client directory
Deduplicated by email and phone, with contacts and addresses.
Client portal
Your customer signs in with a verified email or phone — no password — and sees every bill you have sent them.
Client account statements
One document per client covering a period: what was billed, what was paid, what is open.
and 1 more in clients and portal
Getting paid
Public pay page
A token link on its own PCI-scoped origin showing a snapshot of the invoice — never the invoice record.
Card payments
The server works out the balance due at charge time. A payer can pay part of it, never more than is due.
Cash, check and bank transfer
Record a payment taken outside BillingMart against the invoice it settles.
and 3 more in getting paid
Automation
Recurring invoices
Schedules that issue on their own at the frequency you pick, in your workspace timezone.
Reminders and dunning
A cadence that sends before, on and after the due date — pausable on any single invoice.
Time and expenses
Time tracking
Capture hours as you go and rebill them onto an invoice exactly once.
Expenses
Record a cost with markup and rebill it, or keep it as your own.
Mileage
Distance at your own rate, rebillable onto an invoice like any other line.
Bills and payables
Vendors
A directory of who you buy from, with contact details, an address, a tax id and default payment terms in days.
Bills and cash out
What you owe, by stage, with payments recorded against each bill.
Documents and languages
PDF invoices
Drawn in-process on demand from a template document — no headless browser in the path.
Invoices in five languages
Invoice and statement labels in English, Spanish, French, German and Arabic (right-to-left); wording not yet translated falls back to English.
32 currencies
Every amount is an integer in the currency’s own minor units, stored beside its code.
and 1 more in documents and languages
Reports
A/R and A/P ageing
Who owes you and who you owe, bucketed by how late it is.
Income and tax summary
Income and expenditure by period and business line, one row per currency; nothing is converted.
Monthly and yearly statements
A period closed into one document, per business or per client.
and 2 more in reports
AI Studio
Invoice template designer
Describe the layout; the preview is drawn by the real renderer. A draft until a person publishes it.
Pay page designer
Emits colour values, never CSS, and every one is checked for contrast in both themes before it can be published.
Assistive copy
Reminder text, line descriptions and payment-plan explanations. Plain text only — tags and links are refused.
and 1 more in ai studio
API and assistants
REST API and API keys
Every operation under one OpenAPI document, scoped per key.
Hosted MCP server
Connect an AI assistant to your billing. It reads, drafts, records and asks: in Ask, the default, a signed-in person approves each request; Plan is a dry run; in Auto, which only the owner can switch on with a second factor, on a plan with auto-approve rules, the owner’s capped rule approves what it covers. For a connected assistant, refunds, voids, card or bank entry and the other never-auto requests still wait for a person.
Auto-approve rules
The owner writes capped rules — kind, amount, count a day — and a matching action runs at once, with the connection as actor. For a connected assistant, refunds, voids, card or bank entry and the other never-auto requests still wait for a person; the built-in Agent, in Auto on its own person’s grant, may run some of them under the owner’s rule.
and 2 more in api and assistants
Your workspace
Business type models
Eight starter trades and a general model, each with its own terminology, invoice fields, presets and default terms.
Team and roles
Owner, admin, staff and viewer, with per-business confinement and invitations bound to a verified email.
Audit log
Changes made by the server, with the actor taken from the verified sign-in token and never from the request body. A few edits made directly under the database rules, such as time and expense entries, are not logged.
and 1 more in your workspace
Bill by asking
Say what the job was. Your assistant drafts the invoice.
Connect an AI assistant to your workspace and billing becomes a conversation. It reads your books, writes the draft and asks to send it. Then it stops: what it asks for goes ahead only once a signed-in person, or the workspace owner’s capped rule for a connection the owner put in Auto approves it.
Which plans include hosted MCP server is on the pricing page.
It reads
127 read tools cover your business profile, clients, invoices, reminder text, estimates, plan usage, plan upgrade options, your AI credits, how you pay for your plan, what this connection may do, requests waiting for approval, payments, payment links, reports and statements, tax categories, collections and cash forecasts, accounting exports, recurring schedules, recurring bill schedules, time entries, expenses, mileage, bills you owe, jobs, unbilled work, vendors, saved payment methods, documents to read and file, file imports (dry run), messages sent, text message settings, the activity history, what is scheduled to happen next, scheduled job runs, search across invoices, estimates, clients, jobs and vendors, the reminder schedule, your notifications and their settings, invoice templates, pay page themes, team members, team invitations, API keys, merchant account applications, merchant rate requests, connected apps, registered apps, webhook endpoints, webhook deliveries, merchant accounts (the gateway accounts payments go through), whether payments are set up, the workspace security settings, how your work records are set up, industry packs you can adopt, the setup questions an industry pack asks and record types (drafts only). A payment comes back as its last four digits.
It drafts and records
194 write tools, and each one makes a draft or a record inside your workspace, or files a request: your business profile, clients, invoices, estimates, requests waiting for approval, payment links, payments, tax categories, recurring schedules, recurring bill schedules, time entries, expenses, mileage, bills you owe, jobs, vendors, documents to read and file, file imports (dry run), invoice templates, your AI credits, reminder text, pay page themes, resetting a sandbox to demo data, record types (drafts only) and how your work records are set up. A request reaches a customer or moves money only once a signed-in person, or the workspace owner’s capped rule for a connection the owner put in Auto approves it.
It asks. You decide who approves.
It can ask for sending an invoice, sending an estimate, sending a payment reminder, recording a cash, check or transfer payment and refunding a payment. In Ask, the default, each request waits for a signed-in person to approve it; Plan is a dry run that saves, sends and charges nothing; in Auto, which only the workspace owner can switch on for a connection (signing in again with a second factor, on a plan with auto-approve rules), the owner’s capped rule approves the requests it covers, and for a connected assistant refunds, voids, card or bank entry and the other never-auto requests still wait for a person.
Use BillingMart in Claude
BillingMart is in Claude's connector directory. Add it there, sign in with your BillingMart account on our page, and ask Claude to draft invoices, follow up on payments or look up a client. Anything that sends, charges or changes money waits for a person in your workspace to approve it, or for a limited rule your workspace owner sets.
AI that drafts. You decide what goes out.
Every generated thing arrives as a draft with your name nowhere on it yet. Four rules make that true, and all four are enforced by the code rather than by a policy.
It writes the first draft
Describe an invoice template, a pay page or a reminder and get a draft back in seconds — of a thing you were going to have to write yourself.
A draft stays a draft until it is published
A generated template or theme is saved as a draft until a person publishes it. The one exception is the built-in Agent in Auto, where the owner’s capped rule can publish a draft that the Agent did not write itself.
An assistant asks; the mode decides who approves
Connect an assistant and it can read, draft and file requests. In Ask, the default, each request waits for a signed-in person to approve it; Plan is a dry run that saves, sends and charges nothing; in Auto, which only the workspace owner can switch on for a connection (signing in again with a second factor, on a plan with auto-approve rules), the owner’s capped rule approves the requests it covers, and for a connected assistant refunds, voids, card or bank entry and the other never-auto requests still wait for a person.
The model cannot design the page
It returns data we validate against a schema, never markup, styles or script — so a bad answer is a rejected field, not a broken invoice.
Set up for your trade before you send anything
Pick the one you do and the words, the invoice fields, the presets and the payment terms are already right — a tow is a tow, a matter is a matter, retainage is withheld.
- ContractorJob · net 15 · JOB-{YYYY}-{seq}
- Auto RepairRepair order · net 0 · RO-{YYYY}-{seq}
- Towing & RoadsideCall · net 0 · TOW-{YYYY}-{seq}
- Insurance AgencyPolicy · net 10 · INV-{YYYY}-{seq}
- Property ManagementWork order · net 5 · STM-{YYYY}-{seq}
- Medical / DentalVisit · net 30 · STM-{YYYY}-{seq}
- LegalMatter · net 30 · INV-{YYYY}-{seq}
- Freelance & AgencyProject · net 14 · INV-{YYYY}-{seq}
- General small businessJob · net 30 · INV-{YYYY}-{seq}
- Insurance MGAPolicy · net 15 · POL-{YYYY}-{seq}
- Insurance CarrierPolicy · net 30 · POL-{YYYY}-{seq}
- General ServicesJob · net 30 · INV-{YYYY}-{seq}
Pricing
Get paid without giving up a cut.
BillingMart takes no percentage of the payments you collect. You pay a flat monthly price for your plan, and your card processor’s normal rate applies, unless the optional customer card-fee program is set up for your workspace: your customer then pays a Handling Fee on card payments. The pay page shows it before they pay, and a charge to a saved card includes it. Where the program is on, a payment link can carry its own fee, set on that link. Each plan is a flat price with a monthly send limit, listed on the pricing page, and nothing locks at the limit. Everything already sent stays live and payable. A workspace with a verified live merchant account has no send limit on any plan.
Sends this month
Each plan’s monthly send limit is on the pricing page, as published today.
A draft never counts — the meter moves when an invoice is sent. The month boundary is your own workspace timezone, not ours.
At the cap, nothing is locked. Every invoice you have sent stays live and payable, drafts still save, estimates still go out and payments still record. Only new sends wait, and so does creating a payment link.
Frequently asked questions
What is BillingMart?
Software for sending invoices and getting paid for them. You send invoices and estimates, take card payments on a public pay page, chase what is late on a schedule, and give your customers somewhere to see every bill you have sent them. One workspace can hold several businesses, each with its own numbering and logo, and a client can belong to one business or be shared across them.
Is there a free plan?
Yes. Its monthly allowance of sends is on the pricing page, read from the plans as they are published. A draft never counts — the meter moves when an invoice is sent, not when it is saved — and the month boundary is your own workspace timezone, not ours.
What happens when I reach my monthly send limit?
When you reach the limit, nothing is locked or deleted. Everything you already sent stays live and payable, drafts still save, estimates still go out and count, and payments are never refused. Only a new invoice, or a new or reactivated payment link, waits until the next month or an upgrade. That is the whole penalty.
How do my customers pay?
By card on a public pay page, or by cash, cheque or bank transfer that your team records against the invoice. A customer can save a card and switch on autopay from their own screen. What gets stored is a vault reference and the last four digits; the card number is never written down.
Can I connect ChatGPT, Claude or Gemini to my billing data?
Yes, through a hosted MCP server at api.billingmart.com/mcp, authorised with OAuth 2.1 and scoped per connection; the pricing page shows which plans include it. An assistant can read your data and draft invoices, clients and estimates, and it can ask for an action such as sending an invoice or taking a payment. What happens to that request depends on the connection’s mode. In Ask, the default, each request waits for a signed-in person to approve it; Plan is a dry run that saves, sends and charges nothing; in Auto, which only the workspace owner can switch on for a connection (signing in again with a second factor, on a plan with auto-approve rules), the owner’s capped rule approves the requests it covers, and for a connected assistant refunds, voids, card or bank entry and the other never-auto requests still wait for a person.
Your first invoice is about ten minutes away
Sign up with no card, then pick the plan that fits on the pricing page.