44 things it does
Grouped by what you are trying to get done, with the plan each one starts on beside it. Every one works today — we have written what each does rather than how good it is.
Get the bill out
From a job that is finished to an invoice in a customer’s inbox, in their language and their currency.
Invoicing
Invoices
StarterNumbered per business inside the transaction that sends them, so a number is never reused or skipped.
Estimates
StarterSend, track acceptance as an electronic signature, and convert an accepted estimate into an invoice.
Jobs, deposits, progress billing and retainage
ProfessionalBill a job in stages, hold a deposit against it and withhold retainage as a negative line.
Credit notes and write-offs
ProfessionalReduce or close a balance without deleting the invoice; the ledger keeps both entries.
Installment plans
ProfessionalSplit one balance into scheduled parts that issue and chase themselves.
Documents and languages
PDF invoices
StarterDrawn in-process on demand from a template document — no headless browser in the path.
13 customer-facing languages
StarterThe invoice reaches your customer in their language, right-to-left included.
32 currencies
StarterEvery amount is an integer in the currency’s own minor units, stored beside its code.
Your logo and colours
ProfessionalPer business, on the invoice, the pay page and the emails your customer receives.
Get paid
Card, bank debit, saved methods and a portal your customer can use without an account.
Clients and portal
Client directory
StarterDeduplicated by email and phone, with contacts, addresses and per-client terms.
Client portal
StarterYour customer signs in with a verified email or phone — no password — and sees every bill you have sent them.
Client account statements
ProfessionalOne document per client covering a period: what was billed, what was paid, what is open.
Getting paid
Public pay page
StarterA token link on its own PCI-scoped origin showing a snapshot of the invoice — never the invoice record.
Card payments
StarterThe charge amount is computed on the server at charge time; a page never decides an amount.
ACH bank debit
StarterBank debit with return and change-of-account polling, so a return days later moves the invoice out of paid.
Cash, check and bank transfer
StarterRecord a payment taken outside BillingMart against the invoice it settles.
Authorize, capture, void and refund
ProfessionalHold an amount and settle it later; void before settlement, refund after — in full or in part.
Saved payment methods
ProfessionalA vault id and the last four digits. The card number itself is never stored, anywhere.
Autopay
ProfessionalYour customer consents in their own portal; the consent is stamped by the server and audited.
Stop chasing
The invoices that repeat, and the reminders you would otherwise have to remember to send.
Automation
Recurring invoices
ProfessionalSchedules that issue on their own at the frequency you pick, in your workspace timezone.
Reminders and dunning
ProfessionalA cadence that sends before, on and after the due date — pausable on any single invoice.
Capture the work as it happens
Hours, expenses and miles, rebilled onto an invoice exactly once.
Time and expenses
Time tracking
ProfessionalCapture hours as you go and rebill them onto an invoice exactly once.
Expenses
ProfessionalRecord a cost with markup and rebill it, or keep it as your own.
Mileage
ProfessionalDistance at your own rate, rebillable onto an invoice like any other line.
Keep track of what you owe
The other side of the ledger: vendors, bills and what is going out this week.
Bills and payables
Vendors
ProfessionalA directory of who you buy from, with contract terms and addresses.
Bills and cash out
ProfessionalWhat you owe, by stage, with payments recorded against each bill.
Know where you stand
Ageing, income, tax and settlement — from the numbers the server stored, not a spreadsheet’s copy of them.
Reports
A/R and A/P ageing
ProfessionalWho owes you and who you owe, bucketed by how late it is.
Income and tax summary
ProfessionalIncome and expenditure by period and business line, converted at the rate stored when the invoice was issued.
Monthly and yearly statements
ProfessionalA period closed into one document, per business or per client.
Settlement reporting
ProfessionalWhat the gateway actually settled, reconciled daily against the append-only ledger.
Accounting export
BusinessYour ledger in a file your accountant can import.
Let software do the typing
Drafts from a description, and an API an assistant can hold — both of which stop short of sending.
AI Studio
Invoice template designer
ProfessionalDescribe the layout; the preview is drawn by the real renderer. A draft until a person publishes it.
Pay page designer
ProfessionalEmits colour values, never CSS, and every one is checked for contrast in both themes before it can be published.
Assistive copy
ProfessionalReminder text, line descriptions and payment-plan explanations. Plain text only — tags and links are refused.
Business model generator
BusinessDescribe your trade and get a proposed set of terms, presets and invoice fields — every field editable before it saves.
API and assistants
REST API and API keys
BusinessFifty-four operations under one OpenAPI document, scoped per key.
Hosted MCP server
StarterPoint ChatGPT, Claude or Gemini at your billing. An assistant reads, drafts, records and asks; every send, charge or refund runs only after a signed-in person approves it, or your own capped rule does.
Auto-approve rules
ProfessionalThe owner writes capped rules — kind, amount, count a day — and a matching action runs at once, with the connection as actor. Refunds and every never-auto kind still wait for a person.
Outbound webhooks
BusinessHMAC-signed, retried and dead-lettered, with the destination re-resolved on every delivery.
Approvals inbox
BusinessAnything an assistant proposes waits here for a person to approve it, in a place the assistant cannot reach.
Run the workspace
Businesses, people, roles and the settings that decide what each of them may do.
Your workspace
Business type models
StarterNine starter trades, each with its own terminology, invoice fields, presets and default terms.
Team and roles
StarterOwner, admin, staff and viewer, with per-business confinement and invitations bound to a verified email.
Audit log
StarterEvery action, with the actor taken from the verified sign-in token and never from the request body.
Multiple businesses
ProfessionalSeparate legal entities in one workspace, each with its own numbering, branding, team and clients.
Take the ones you need now
Starter is free and stays free. Move up when one of the others starts to matter.