Invoicing & payments

From estimate to collected cash, in one flow

Quote it, get it accepted online, convert to an invoice in one tap, take a deposit, and let reminders, late fees and the client portal chase the balance for you. Every document is a clean A4 PDF with your logo, bank details and the exact tax breakdown.

Creating a GST invoice in Finocket on a phone

Actual app — a real screenshot on sample data, not a mock-up.

Estimates your client accepts online

Send an EST-numbered estimate with a hosted accept page. The client accepts by typing their name — recorded with a timestamp — or declines with a reason, and one tap converts the accepted estimate to an invoice.

Deposits & payment schedules

Ask for a deposit percentage up front or split any invoice into custom milestones. Payment links, reminders and the portal chase the next open installment; paid ones tick off automatically and a refund reopens them.

A branded client portal

One link shows your client their balance, open invoices with pay actions, estimates to accept, payment history and a statement download — share it in one tap or over WhatsApp; every reminder email carries it.

Reminder sequences on your schedule

Reminders go out before, on and after the due date on offsets you control, with a tone that firms up over time — and they cancel themselves the moment the invoice is paid.

Automatic late fees, honestly applied

A monthly percentage (never compounding) or a one-time flat fee after a grace period, shown as a clearly labelled line item — with advisory notes on US state caps.

Statement of account per client

Opening balance, running balance and ageing per client, with print and CSV download — the document your client's accounts team actually asks for.

UPI Autopay on retainers (early access)

On recurring retainers, your client approves a UPI Autopay mandate once and each cycle collects itself — rolling out in early access.

Branded A4 PDF, single page

Your logo, address, GSTIN, bank + correspondent-bank details, UPI QR and a compliant tax table — laid out to fit one page and never overlap.

Your own numbering series

Per-business invoice series with optional per-client overrides, plus dedicated credit-note series. Editable numbers on drafts.

Pay-by-UPI QR + WhatsApp

Every INR invoice carries a UPI QR; share the PDF to WhatsApp in one tap so clients pay from their phone.

Payment ↔ invoice linking

Pick an unpaid invoice on the payment form — the amount pre-fills, the invoice flips to paid on save, and outstanding drops by the right amount.

Multi-currency, rate-locked

INR plus 16 foreign currencies with the FX rate snapshotted per invoice, so historical totals never drift when rates move.

TDS-aware receipts

When a client pays net of TDS, record the deduction on the payment — the invoice still shows fully paid at the gross figure.

Hosted payment links

Create a payment link for any invoice and share it anywhere — a hosted Razorpay pay page collects the card/UPI payment and it appears against the invoice automatically. Money settles to your own account once your payments onboarding (Developers → Payments) is approved.

Item library with HSN/SAC

Save your products and services once — with HSN/SAC codes and default rates — and drop them onto invoices instead of retyping line items.

Onboard a customer from a photo of their papers

Photograph a PAN card, a GST registration certificate or a cheque and the client form fills itself — each identifier checksum-validated before it's offered. It fills BLANKS only: a value you already typed is never overwritten, and Save is always the confirm. The data-protection story is enforced by the database, not promised in a policy — an Aadhaar can only ever be stored as its last four digits, because there is no column that could hold the whole number, and the source image for an identity document is never uploaded at all.

Explore more

GST & tax compliance
GSTIN per client, CGST/SGST/IGST splits, credit notes, GSTR-1/3B, e-invoicing (IRN) & e-way bills, ITC, RCM and TDS — plus GSTR-2B reconciliation, GSTR-9, composition (CMP-08), import bill of entry, ISD distribution, a DRC-01B/C self-check and consolidated returns across GSTINs.
Double-entry books
Trial balance, P&L, balance sheet and cash flow from a proper double-entry ledger — plus Day Book, Cashbook, a permanent audit trail and one-tap Tally XML your CA imports.
Inventory & manufacturing
A live stock ledger with weighted-average COGS (opt-in FIFO or per-unit serials per item), batch & expiry, multiple godowns, landed costs, RFQ vendor-compare, reorder→draft-PO, and a bill of materials with work-centre routing, work orders and work-in-progress tracking.
Point of Sale
Open a register with a cash float, scan or search items into a cart, take cash or UPI, and every sale becomes a GST invoice that draws down stock and posts to your books — then close the drawer with an automatic over/short count.
Banking & reconciliation
Import a statement from 11 Indian bank formats, match it with rules you save once, and keep first-class credit-card accounts and a post-dated-cheque register — all tying back to your books.
Automation & approvals
Approval chains for the things that need a sign-off, workflow rules that react to what happens in your books, and a dunning ladder that chases overdue invoices for you.
Marketing & attribution
Group your QR codes, forms and landing pages under a campaign with one clean UTM set, then follow every scan and click through to leads, deals and collected revenue.
Personal finance
Log income, track ELSS/NPS/PF/FD/gold/MF/stocks, watch net worth, read both tax regimes side by side, and assemble an ITR working sheet where every rupee points at the row it came from.
CRM & pipeline
Lead → deal → invoice → payment as ONE record, with a next action on every deal, rotting indicators, speed-to-lead alerts, dedupe & merge, multiple pipelines and booking links.
Forms & landing pages
Hosted lead-capture forms and mobile landing pages — every submission stores the exact opt-in text as proof.
Outreach & compliance
Campaigns, follow-up sequences and one send chokepoint that checks consent + suppression on every message — plus dynamic QR codes that turn scans into leads and the option to send on your own WhatsApp, SMS and email accounts.
Partners & commissions
Referral links and coupon codes, milestones with tiered rates, an append-only commission ledger on collected revenue, and monthly CA-ready statements.
Developer & AI
Connect Claude, ChatGPT or Perplexity to your books in a tap — plus a versioned REST API, a 245-tool MCP endpoint, bring-your-own AI keys, a usage monitor, an append-only AI action log, signed webhooks and roles enforced at the database.
Multi-company
Add as many companies as you run, each with its own name, GSTIN and numbering — switch between them in a tap, with each company's books fully isolated.
AI you can preview, cap and undo
Every AI action shows the money it would move before you confirm it, goes through one audited door, and can be reversed after it posted — with a rupee-and-recipient ceiling you set yourself, a hash-chained action log, and a narration that deletes any figure it can't cite. Plus Scan-to-Add, Mysty, 280+ tools, voice and scanning in 23 Indian languages, and a PWA you install on your phone.
Working with no signal
Which parts of Finocket work without a connection, which don't, and the reason in every case — read straight from the same file the product itself reads, so it cannot drift.

Ready to ditch the spreadsheet?

Free for solo users until 31 Dec 2026 — no partner code needed. ₹99/month after that. No credit card. Your books stay yours.

    From estimate to collected cash, in one flow · Finocket