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Invoices & 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.

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What it solves

Getting paid is usually spread across a quote in Word, an invoice in another app and a follow-up you keep forgetting to send. Finocket makes it one flow: the estimate becomes the invoice, the invoice carries your tax split, a UPI QR and a WhatsApp share, and the reminders, late fees and client portal do the chasing, so the balance comes in without you re-typing anything or nagging by hand.

How we're different

Every document is a clean single-page A4 PDF with your logo, bank details and the exact tax breakdown. Payment and invoice are linked, so recording a payment flips the invoice to paid and drops your outstanding by the right amount.

Creating an invoice in Finocket: document type, number series, currency, client, dates and line items
Creating a GST invoice with a UPI QR in Finocket
What it does

Inside Invoices & payments

01

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 it to an invoice.
Creating an invoice in Finocket: document type, number series, currency, client, dates and line items
02

Deposits & payment schedules

Ask for a deposit percentage up front or split any invoice into milestones. Payment links, reminders and the portal chase the next open installment; paid ones tick off automatically and a refund reopens them.
Creating a GST invoice with a UPI QR in Finocket
03

Reminders & automatic late fees

Reminders go out before, on and after the due date on offsets you control, and cancel themselves once paid. Late fees apply as a monthly percentage (never compounding) or a one-time flat fee after grace, shown as a clearly labelled line.

Invoices & payments

Reminders & automatic late fees

04

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 a tap or over WhatsApp.

Invoices & payments

A branded client portal

05

Pay-by-UPI QR, WhatsApp & payment links

Every INR invoice carries a UPI QR, shares to WhatsApp in one tap, and can get a hosted Razorpay pay page so clients pay from their phone, and the payment lands against the invoice automatically.

Invoices & payments

Pay-by-UPI QR, WhatsApp & payment links

More in Invoices & payments

Multi-currency, rate-locked

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

Onboard a client 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, so a value you already typed is never overwritten, and Save is always the confirm. The data-protection story is enforced by the database rather than promised in a policy: an Aadhaar can only ever be stored as its last four digits because no column exists that could hold the whole number, and the source image for an identity document is never uploaded at all.

Works with the rest of Finocket

GST & returns
Every invoice carries the CGST/SGST/IGST split your GSTR-1 needs, with no separate tax step.
Reports & books
Each invoice posts to the double-entry ledger behind your P&L, balance sheet and outstanding.
CRM & deals
A won deal becomes an invoice on the same client record, lead-to-cash in one thread.
Bank reconciliation
Recorded customer payments are the lines you tick off against your bank statement.

Part of Invoicing & payments. See how every module connects.

Questions

Can I send estimates and take a deposit?

Yes. Send an EST-numbered estimate with a hosted accept page, convert the accepted one to an invoice in a tap, then ask for a deposit percentage up front or split the invoice into milestones that reminders and the portal chase for you.

How do clients pay?

Every INR invoice carries a UPI QR and shares to WhatsApp in one tap; you can also create a hosted payment link (a Razorpay pay page) for card/UPI. The payment appears against the invoice automatically and outstanding drops by the right amount.

Does it handle foreign clients?

Yes. Invoice in INR or 16 other currencies with the FX rate locked per invoice, so you can bill overseas clients in their own currency.

You get paid faster, because the invoice, the reminder and the payment record are all in one place.

Where this wins

Hosted client portal (invoices, estimates, statements)Tally does not have thisClient portal + deposit/milestone schedules + automatic late feesVyapar does not have thisClient portal + deposit/milestone schedules + automatic late feesSwipe does not have thisGST/tax invoicing + books in the same appHubSpot Free, Pipedrive & Bigin does not have this

Learn how it works

Clients, projects and invoices

Add clients with GSTIN + state auto-fill. Send invoices (tax invoice, bill of supply, export invoice, receipt or credit note), start from an estimate, or split an invoice into a deposit + milestone schedule.

Document templates and the look of your invoices

Choose one of fifteen templates from a live preview (bill of material, retail bill, services, jewellery, pharmacy, works contract, export, quotation and more), then tune colours, columns, words, a cover page and a signature. Terms and notes are rich text.

Share an invoice, estimate or receipt on WhatsApp

Send a document from your own WhatsApp with a private link that expires and that you can switch off. Nothing is sent for you and no provider is involved.

3 min read

Browse the full help book

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.

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