Source: https://billingmart.com/features Capability Matrix • Interactive Product Walk # Everything between a finished job and a paid invoice 44 capabilities, grouped by what you are trying to get done, with the published plan each one starts on beside it (every plan is on [the pricing page](https://billingmart.com/pricing) ). Every capability is server-enforced and ready today — real software you can use without a sales call. 100% Server Calculated line items Isolated card entry Zero raw card storage [AI Drafts and Asks Sends follow the mode: Ask, Plan, Auto. Meet the BillingMart Agent.](https://billingmart.com/agent) Walk through the 8 stages: ## Get paid Estimates, invoices, pay links and reminders, from a finished job to the money in. [Accounts receivable](https://billingmart.com/accounts-receivable) ## Know what you owe Vendors, bills with an approval step, and what is due this week. [Bills and payables](https://billingmart.com/accounts-payable) Stage • Invoice Stage 01 of 08 • 9 capabilities ## [Invoice](https://billingmart.com/features/invoicing) From a job that is finished to an invoice in a customer’s inbox, in their currency. ### Invoicing #### Invoices Numbered per business inside the transaction that sends them, so a number is never reused or skipped. Server verified invoices #### Estimates Send, record the customer’s acceptance from their portal under their verified contact, and convert an accepted estimate into an invoice. Server verified estimates #### 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. Server verified jobs #### Credit notes and write-offs Reduce or close a balance without deleting the invoice; the ledger keeps both entries. Server verified credit-notes #### Installment plans Split one balance into scheduled parts that issue and chase themselves. Server verified installments ### Documents and languages #### PDF invoices Drawn in-process on demand from a template document — no headless browser in the path. Server verified pdf #### 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. Server verified languages #### 32 currencies Every amount is an integer in the currency’s own minor units, stored beside its code. Server verified currencies #### Your logo and colours Per business, on the pay page and in the customer portal. The emails your customer receives stay plain text: no markup, no tracking. Server verified branding Stage 02 of 08 • 10 capabilities ## [Get paid](https://billingmart.com/features/payments) Card payments, saved cards and a portal your customer can use without an account. ### Clients and portal #### Client directory Deduplicated by email and phone, with contacts and addresses. Server verified clients #### Client portal Your customer signs in with a verified email or phone — no password — and sees every bill you have sent them. Server verified portal #### Client account statements One document per client covering a period: what was billed, what was paid, what is open. Server verified client-statements #### Two-way texting Replies land in a Messages inbox. Receiving uses your own Twilio account. Server verified two-way-messaging ### Getting paid #### Public pay page A token link on its own PCI-scoped origin showing a snapshot of the invoice — never the invoice record. Server verified pay-link #### Card payments The server works out the balance due at charge time. A payer can pay part of it, never more than is due. Server verified pay-card #### Cash, check and bank transfer Record a payment taken outside BillingMart against the invoice it settles. Server verified pay-offline #### Authorize, capture, void and refund Hold an amount and settle it later; void before settlement, refund after — in full or in part. Server verified pay-capture #### Saved payment methods A vault id and the last four digits. The card number itself is never stored, anywhere. Server verified saved-methods #### Autopay Your customer consents in their own portal; the consent is stamped by the server and audited. Server verified autopay Stage 03 of 08 • 2 capabilities ## [Stop chasing](https://billingmart.com/features/automation) The invoices that repeat, and the reminders you would otherwise have to remember to send. ### Automation #### Recurring invoices Schedules that issue on their own at the frequency you pick, in your workspace timezone. Server verified recurring #### Reminders and dunning A cadence that sends before, on and after the due date — pausable on any single invoice. Server verified reminders Stage 04 of 08 • 3 capabilities ## [Capture the work as it happens](https://billingmart.com/features/time-tracking) Hours, expenses and miles, rebilled onto an invoice exactly once. ### Time and expenses #### Time tracking Capture hours as you go and rebill them onto an invoice exactly once. Server verified time #### Expenses Record a cost with markup and rebill it, or keep it as your own. Server verified expenses #### Mileage Distance at your own rate, rebillable onto an invoice like any other line. Server verified mileage Stage 05 of 08 • 2 capabilities ## [Keep track of what you owe](https://billingmart.com/features/payables) The other side of the ledger: vendors, bills and what is going out this week. ### 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. Server verified vendors #### Bills and cash out What you owe, by stage, with payments recorded against each bill. Server verified bills Stage 06 of 08 • 5 capabilities ## [Know where you stand](https://billingmart.com/features/reports) 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 Who owes you and who you owe, bucketed by how late it is. Server verified reports-ar #### Income and tax summary Income and expenditure by period and business line, one row per currency; nothing is converted. Server verified reports-income #### Monthly and yearly statements A period closed into one document, per business or per client. Server verified statements #### Settlement reporting What the gateway actually settled, reconciled daily against the append-only ledger. Server verified settlement #### Accounting export Your ledger in a file your accountant can import. Server verified accounting-export Stage 07 of 08 • 9 capabilities ## [Let software do the typing](https://billingmart.com/features/assistants) Drafts from a description, and an API an assistant can hold — both of which stop short of sending. ### AI Studio #### Invoice template designer Describe the layout; the preview is drawn by the real renderer. A draft until a person publishes it. Server verified ai-templates #### Pay page designer Emits colour values, never CSS, and every one is checked for contrast in both themes before it can be published. Server verified ai-pay-page #### Assistive copy Reminder text, line descriptions and payment-plan explanations. Plain text only — tags and links are refused. Server verified ai-copy #### Business model generator Describe your trade and get a proposed set of terms, presets and invoice fields — every field editable before it saves. Server verified ai-business-model ### API and assistants #### REST API and API keys Every operation under one OpenAPI document, scoped per key. Server verified api-rest #### 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. Server verified api-mcp #### 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. Server verified agent-auto #### Outbound webhooks HMAC-signed, retried and dead-lettered, with the destination re-resolved on every delivery. Server verified api-webhooks #### Approvals inbox What an assistant asks for waits here, out of its reach, for a person to approve it, unless the connection is in Auto and the owner’s capped rule covers the request. Server verified approvals Stage 08 of 08 • 4 capabilities ## [Run the workspace](https://billingmart.com/features/workspace) Businesses, people, roles and the settings that decide what each of them may do. ### Your workspace #### Business type models Eight starter trades and a general model, each with its own terminology, invoice fields, presets and default terms. Server verified business-types #### Team and roles Owner, admin, staff and viewer, with per-business confinement and invitations bound to a verified email. Server verified team #### 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. Server verified audit-log #### Multiple businesses Separate legal entities in one workspace, each with its own numbering and logo. Staff can be confined to one business, and a client can belong to one business or be shared. Server verified multi-business ## Take the ones you need now Start on the free plan and stay there. Move up when one of the others starts to matter. [Start free](https://app.billingmart.com/sign-up) [Compare the plans](https://billingmart.com/pricing#compare) --- This is the Markdown copy of https://billingmart.com/features. Live plans, prices and limits are published as JSON at https://billingmart.com/plans.json and https://billingmart.com/agent-info.json.