Create invoices in seconds.
Get paid in days. Not weeks.
Professional billing software with automated payment reminders, one-click online payments, recurring invoices, multi-currency support, and e-invoicing compliance — connected directly to your accounting, CRM, and inventory. Free on Encarmo, forever. Unlimited invoices. Unlimited clients. Unlimited users. No catches.
You completed the work.
The invoice took an hour. The payment took six weeks.
For most businesses, invoicing is the part of the job nobody enjoys. Creating the invoice means copying client details from one system into another, hunting for the rate you agreed three months ago, formatting it to look professional, and sending it as a PDF attached to an email. Then waiting.
Then sending a polite reminder. Then a less polite one. Then wondering whether it got lost, whether the client is unhappy, whether the finance team has even seen it. Meanwhile your bank balance reflects the work you did six weeks ago, not the work you're doing today.
The problem isn't your clients. It's a billing process built around manual effort at every step — creation, chasing, reconciling, reporting. Automate the steps and the time from invoice to payment drops dramatically. Connect invoicing to your accounting and the reconciliation work disappears entirely.
Businesses on Encarmo reduce their average days-to-payment from 38 days to 14 — and eliminate 100% of manual invoice-to-accounting data entry.
Invoice sent. Payment link clicked.
Money in your account. Books updated.
Encarmo handles the complete billing cycle — from invoice creation to payment received to reconciled in your accounts — without any manual intervention at any step. Here's how.
Create a professional invoice in 30 seconds
Start from a branded template, clone a previous invoice, or convert a quote or a CRM deal directly into an invoice with one click. Client details, line items, payment terms, and tax rates populate automatically.
Send with a Pay Now button — clients pay instantly
Every invoice includes a branded Pay Now link. Clients click through to a secure payment page and pay by card, bank transfer, or digital wallet — without creating an account or waiting for a bank transfer to be arranged manually.
Automated reminders chase payments — without you
Set your reminder schedule once — before due date, on due date, and at intervals for overdue invoices. Reminders fire automatically with the original invoice and Pay Now link included. You never send a chasing email manually again.
Payment arrives — everything updates automatically
When a client pays, the invoice marks as paid instantly. When a bank transfer is matched via the live bank feed, accounts receivable clears. Revenue posts to your accounting ledger. One payment event. Every system updated.
Card, Apple Pay, Google Pay, or bank transfer
Professional billing software. Every feature. No monthly fee.
Every feature listed below is included in Encarmo's free Invoicing module. Not in the paid tier. Not after a trial. Free, for every business, for life — alongside free accounting.
Professional Invoice Templates and Custom Branding
Create branded invoices that look like your business, not a generic online form. Add your logo, choose your brand colours, and define payment terms and footer text that appear on every invoice. Template changes apply globally.
Online Payments — Pay Now Button on Every Invoice
Every invoice includes an embedded Pay Now button linked to a secure, branded payment page. Clients pay by card, bank transfer, Apple Pay, or Google Pay — without creating an account. Payment confirms immediately.
Automated Invoice Reminders and Follow-Up
Configure a payment reminder schedule that runs automatically for every invoice. Reminders stop the moment the invoice is paid. Pause reminders for specific clients or change the tone for high-value relationships.
Recurring Invoices and Subscription Billing
Set up recurring invoices for retainer clients or subscription services. Define frequency, amount, and terms. Encarmo generates and sends each invoice automatically on the scheduled date.
Quotes, Estimates, and Proposals
Generate professional quotes from the same template system as your invoices. When accepted, convert to an invoice in one click — all line items and rates carry across. Quote acceptance is logged with a timestamp.
Multi-Currency Invoicing and International Billing
Invoice clients in any currency. Set currency per client and exchange rates apply automatically using live or fixed rates. Foreign currency invoices display in both transaction and home currency.
E-Invoicing and Compliance
Send e-invoices that comply with electronic invoicing requirements in your region, including structured data formats for B2B e-invoicing in the EU, UK, Australia, and major international markets.
Credit Notes and Partial Payments
Issue credit notes directly against specific invoices for returns, corrections, or cancelled line items. Partial payments are recorded against open invoices and the outstanding balance is tracked automatically.
Client Portal and Self-Service Billing Access
Give every client a secure, branded portal to view invoices, download statements, check payment status, and make payments — without involving your accounts team in every request.
Invoice Tracking — Sent, Viewed, Overdue, Paid
Know exactly where every invoice stands. See when a client opened the invoice email and if the Pay Now link was clicked. Filter accounts receivable by client, age, value, or status.
Invoicing connected to your accounting, CRM, inventory, and payroll. Automatically.
Standalone billing software sends invoices. Encarmo connects every invoice to the systems that need to know about it — so your books stay current, your stock stays accurate, and your sales team always knows which clients have outstanding balances.
Invoicing + Accounting
Every invoice sent from Encarmo posts to your accounting ledger automatically — accounts receivable debited, revenue credited, tax liability recorded. When the invoice is paid, the cash entry posts and accounts receivable clears. No manual bookkeeping entry. No month-end exercise to reconcile invoicing with accounting. Your profit and loss statement, balance sheet, and cash flow report reflect every invoice and payment in real time — because the invoicing and accounting modules share the same ledger.
Invoicing + CRM
When a deal is marked as won in the Encarmo CRM, the invoice is created from the deal data automatically — client name, billing address, line items, agreed price, and payment terms all pre-populated. Outstanding invoices are visible on the client record in the CRM — so account managers know which clients have unpaid balances before they get on a call.
Invoicing + Inventory
When an invoice is raised for physical products, stock decrements from the relevant warehouse location in real time. Cost of goods sold calculates and posts to accounting automatically at the point of invoicing. If stock is insufficient, the system flags the shortfall before the invoice is confirmed.
Invoicing + Scheduling
Billable hours logged against client work in Scheduling flow directly into the invoicing process. At the end of a billing period, generate an invoice from the logged hours — pre-populated with the client, hours, rate, and approved expenses. Hours logged. Invoice created. Client billed.
Invoicing + Payroll
For businesses with commission-based compensation, invoiced revenue from CRM and Invoicing can inform commission calculations in Payroll. When an invoice is paid and confirmed, the revenue is available for commission reporting — by sales rep, by client, by billing period.
Real invoices. Real payments. Real cash flow.
Verified reviews from G2, Capterra, and Trustpilot — from businesses that replaced their billing setup with Encarmo.
“I used to spend Sunday evenings creating invoices for the previous week's work. I was copying client details from my notes, manually calculating hours and rates, formatting everything in a Word template, converting to PDF, and emailing it with a polite note about payment terms. When payment didn't arrive, I'd send an awkward follow-up a week later. Since switching to Encarmo, I create an invoice in under a minute from a saved template. The reminder system chases it automatically. My average payment time went from 32 days to 11.”
“We have 14 retainer clients. Each one gets a monthly invoice on the first of the month, and we were rebuilding each one manually from a template because our old tool didn't do recurring billing properly. Since setting up recurring invoices in Encarmo, the first of the month is just another day. The invoices go out automatically, the reminders chase the ones that haven't paid by day ten, and the payments land in our account and reconcile against the bank feed.”
“We invoice clients in six different currencies. Before Encarmo, every foreign currency invoice was a manual calculation — check the exchange rate, apply it, format the invoice, post the payment manually to accounting in our home currency, calculate the FX gain or loss. Encarmo handles all of it automatically. What used to take 20 minutes per foreign currency invoice now takes the same 30 seconds as any other invoice.”
Read all 2,400+ reviews → or See customer case studies →
Billing software that gets you paid faster — and keeps your books accurate while it does.
Most invoicing tools stop at the invoice. Encarmo connects billing to accounting, CRM, inventory, and payroll — so every invoice you send is the beginning of an automated process, not the beginning of a manual one.
| Feature | Encarmo | Standalone invoicing apps | Accounting-first platforms | Enterprise billing |
|---|---|---|---|---|
| Professional invoice templates | ✓ | ✓ | ✓ | ✓ |
| Custom branding — logo, colours | ✓ | ✓ | ✓ | ✓ |
| Online payments — Pay Now button | ✓ | ✓ | ✓ | ✓ |
| Automated payment reminders | ✓ | ✓ | ✓ | ✓ |
| Recurring invoices and subscriptions | ✓ | ✓ | ✓ | ✓ |
| Quotes and estimates | ✓ | ✓ | ✓ | ✓ |
| Multi-currency invoicing | ✓ | ✓ | ✓ | ✓ |
| Credit notes and partial payments | ✓ | ✓ | ✓ | ✓ |
| E-invoicing compliance | ✓ | Limited | Some | ✓ |
| Client portal | ✓ | Some | ✓ | ✓ |
| Accounting auto-reconciliation | ✓ | No | Own product only | No |
| Won-deal-to-invoice from CRM | ✓ | No | No | Add-on |
| Inventory sync on invoice | ✓ | No | No | Add-on |
| Billable hours → invoice from Scheduling | ✓ | No | No | Add-on |
| Payroll commission from invoiced revenue | ✓ | No | No | No |
| Unlimited invoices — no caps | ✓ | Often capped | ✓ | ✓ |
| Unlimited clients — no caps | ✓ | Often capped | ✓ | ✓ |
| Unlimited users — no per-seat fee | ✓ | No | No | No |
| Price | Free forever | $15–50/mo | $20–60/mo | $100–400/mo |
Standalone invoicing apps
These tools do invoicing well and typically include payment links, reminders, and recurring billing. The gaps appear at the accounting border — invoicing and accounting are separate systems that need to be connected, and that connection is always imperfect. Encarmo removes the gap entirely because invoicing and accounting are the same platform.
Accounting-first platforms
These platforms include invoicing as part of a paid accounting subscription. The invoicing features are solid, but the accounting subscription costs $20–60/month before you've added payroll, HR, or anything else. Encarmo's invoicing and accounting are both free — and connect to payroll, HR, CRM, and inventory when needed.
Enterprise billing systems
Built for businesses with complex subscription models, usage-based billing, and high invoice volumes requiring a dedicated billing team to manage. For most businesses with 1–100 employees and a standard mix of project, retainer, and product billing, enterprise billing infrastructure creates overhead that doesn't match the problem.
Invoicing and billing. Free. Forever. No caps.
Not a free tier with limits. Not free for the first 30 days. Not free for up to 5 clients or 1,000 invoices a year. Free — for every invoice, every client, every user, for every business, for life.
“Free” usually means “free, until it matters”
Most free invoicing software hits a wall right when it becomes useful — typically 1 user, 5 clients, 1,000 invoices/yr, or a single-user cap on “free” accounting + invoicing. Encarmo Invoicing has no caps, ever.
Most businesses that switch to Encarmo Invoicing were paying $15–40/month for a standalone invoicing tool, or $20–60/month for an accounting platform with invoicing built in — before payroll, HR, or anything else. Encarmo: $0/month. Invoicing and accounting. Free. Together. Forever.
Paid modules — when you're ready
Invoicing and accounting are free forever. When your business needs more:
Billing software designed for the way your business actually charges for its work.
Freelancers and Independent Consultants
Send professional invoices that look nothing like a free online template. Add branding, set payment terms, and include a Pay Now link so clients pay by card rather than a bank transfer arranged three days later.
Agencies and Creative Studios
Handle your full billing mix from one platform — monthly retainers that send automatically, project milestone invoices, ad-hoc work, and expense reimbursements. When a project is won in the CRM, raise the deposit invoice in one click.
Service Businesses
Whether you charge by the hour, by the job, or by a fixed monthly fee — Encarmo handles all of it. Generate invoices from completed jobs and send them with a payment link before you leave the client's premises.
Professional Services Firms
Bill by the hour, matter, retainer, or fixed fee. Time tracked in Scheduling flows directly to invoices. WIP reports show what's billable but not yet invoiced.
Construction and Trade Businesses
Invoice clients at project milestones, raise interim applications for payment, track retention, and handle final account settlement. Manage CIS deductions and VAT on construction services correctly.
Product Businesses and E-Commerce (Wholesale/Trade)
Raise trade invoices for B2B clients with negotiated pricing and accurate stock deductions. Credit terms management — Net 30, Net 60, approved credit limits — applied automatically to every invoice.
What buyers ask before switching to a new billing system.
These are the questions that come up most before businesses switch invoicing tools. Anything else, our team responds in under 2 hours during weekdays.
Is the invoicing really free with no caps — unlimited invoices and clients?
How do online payments work — do I need my own payment gateway?
How do automated payment reminders work, and can I customise them?
Can I set up recurring invoices for retainer clients?
How does invoicing connect to my accounting — what happens when an invoice is paid?
Can I send invoices in multiple currencies, and how does the accounting work?
What's the difference between a quote and an invoice in Encarmo?
Does Encarmo support e-invoicing compliance for mandatory e-invoicing requirements?
Your next invoice is 30 seconds away.
Payment is even sooner.
Create your free Encarmo account. Import your client list. Send your first invoice with a Pay Now button today. Set up automatic reminders so you never chase a payment manually again. Connect your bank feed and watch your accounting update itself.
Free invoicing. Free accounting. The same platform your payroll, HR, inventory, and CRM will run on — when you're ready to add them.
“My average payment time used to be 38 days. I added an online payment link and automatic reminders, and it dropped to 12 days in the first month. I didn't change anything about how I invoice — just how easy I made it for clients to pay.”
— Encarmo customer, independent consultant, switched from PDF-email invoicing