Source: https://billingmart.com/accounts-receivable # Send it, get paid, and see what is late Estimates that become invoices, a pay link or QR code on every one, reminders that go out on a schedule, and a view of who owes you what. The Agent drafts the work; nothing it drafts reaches a customer or charges a card until a person approves it. [How it works](https://billingmart.com/accounts-receivable#how) [See the plans](https://billingmart.com/pricing) From estimate to paid ## One flow, start to finish Each step hands the same lines to the next, so nothing is typed twice. ### Estimate, then invoice Send an estimate your customer can accept or decline online. An accepted estimate becomes the invoice in one step, with the same lines. ### Invoice, any way you work One-off or recurring on a weekly to yearly schedule, with deposits, progress billing and retainage release for jobs, your logo and your numbering. ### Pay link and QR code Every invoice carries a link and a QR code that open a secure pay page. The amount is worked out on our servers, to the cent, never trusted from the browser. Getting paid ## Card on a link, everything else on the record Card payments run on a secure pay page, and BillingMart keeps only the last four digits and the card type. ### Card, in one tap Customers pay by card on your pay page, save a card for next time, and can see every bill you have sent them in one portal. ### Payments that arrive another way Record cash, a check or a bank transfer against the invoice, in full or in part, and the balance follows. ### Refunds, credits and write-offs Refund a payment, issue a credit that reduces the balance, or write off what will not be collected, each with a reason on the record. Chasing what is late ## Reminders that sound like you You set the schedule and the wording; the Agent can draft both. ### Reminders on your schedule Email and, where the customer has agreed, text messages go out before and after the due date. Pause them on any one invoice. ### Who is likely to be late Expected pay dates come from each customer’s own payment history, not a guess. A customer with too little history gets none rather than a made-up one. ### Statements on demand Send a client a statement for a period as a PDF in one click, per currency. Know where you stand ## Reports built from the same records No second copy of the numbers: the reports read the invoices and payments themselves. ### AR ageing What is owed, grouped by how late it is, in each currency, down to the invoice. ### Cash-flow forecast Thirty, sixty and ninety days ahead with a low and a high case, from how your customers actually pay. ### Reconciliation Your ledger checked against its own invoices and against your card settlements, so a difference is found by us, not by your accountant. Your books ## Alongside the accounting system you already use BillingMart handles the billing side. It does not replace your accounting system, and it does not connect to one live yet. - You can export invoice lines as a CSV file, including the layout QuickBooks Online reads when you import invoices. - Late fees are not added automatically: you add one as a line, so the amount and the wording stay yours. - Customers pay by card on the pay page today. A bank transfer can be recorded against an invoice by you. - Money going out has its own page: [bills and payables](https://billingmart.com/accounts-payable) . Questions ## Accounts receivable, answered **Does BillingMart add fees to my payments?** 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. **Can my customers pay by bank transfer?** Not yet in the app. Customers pay by card from a pay link or QR code today, or you can record a payment that arrived another way, such as cash, a check or a bank transfer. **Does it add late fees automatically?** No. It sends reminders on your schedule, and if you charge a late fee you add it as a line on the invoice or statement yourself. That keeps the amount, and the wording, under your control. **Does it replace my accounting system?** No. It handles the billing side and works alongside the accounting system you already use. You can export invoice lines as a CSV file, in the layout QuickBooks Online reads when you import invoices. There is no live sync with an accounting system yet. **Who approves what the Agent drafts?** 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. ## Send your first invoice Start free, send a sample to yourself, and see exactly what your customers will receive. [Start free](https://app.billingmart.com/sign-up) [Bills and payables](https://billingmart.com/accounts-payable) --- This is the Markdown copy of https://billingmart.com/accounts-receivable. Live plans, prices and limits are published as JSON at https://billingmart.com/plans.json and https://billingmart.com/agent-info.json.