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Umikflow

Features

Billing and Invoicing Features for Small Businesses

One workspace for customers, tax-aware tax invoices, payment tracking, outstanding balances and WhatsApp reminders. Built for freelancers, consultants, agencies and small businesses — not an accounting system.

Small businesses

Billing software for small businesses

One place for the work of getting paid — not a second set of books.

Small-business billing here means the records you need when you invoice clients directly: who the customer is, the fee you agreed, what has been paid, and what is still outstanding. From the same workspace you can create a tax invoice with products or services, an invoice look you choose, and taxes you configure, track client payments, or prepare a WhatsApp payment reminder.

Umikflow is a billing and invoicing workspace, not accounting software. There is no chart of accounts, no GST return filing and no stock system — just billing, invoicing and follow-up, currently free to start with no card required. Create a workspace when you want to try it with your own clients.

Client management

One record per client, with the fee you agreed

A client in Umikflow is a name, a mobile number, the total fee for the work, and an optional reference describing what the work is. That is enough to answer the question you care about, and little enough that adding a client takes seconds.

  • Mobile numbers are stored with a country dial code, so reminders reach the right number.
  • The reference field is free text — a project name, an engagement, an order number, whatever you call it.
  • Search by name and filter the list by payment status as the number of clients grows.
  • Removing a client is reversible: it is hidden from your workspace rather than destroyed, and can be restored from Recently removed on the dashboard.
See the setup walkthrough

Example client file. Names and amounts are illustrative.

Payment tracking

Every instalment keeps its date and its note

Payments rarely arrive in one piece. Record each one as it lands with an amount, the date it arrived and a short note, and the client file keeps them in order as a history you can read back.

  • Each entry carries its own date, so a payment recorded late still sits in the right place.
  • Notes are optional and free text: "advance on signing", "milestone 2", "settled in cash".
  • A mistaken entry can be removed, and the balance recalculates from what remains.
  • Amounts use Indian digit grouping as you type (1,00,000 rather than 100,000).
More on payment tracking

Example payment history. Figures are illustrative.

Outstanding balances

The number you actually want, without the arithmetic

The outstanding balance is the agreed fee minus everything recorded as paid. Umikflow computes it from the entries on every view, so there is no total to update and no chance of the summary disagreeing with the detail.

  • Each client reads as Fully Paid, Partially Paid or No Payments.
  • Filter the client list down to one of those states to see exactly who is behind.
  • The dashboard totals agreed, collected and outstanding across the whole client list.
  • If a client pays more than the agreed fee, the balance shows zero rather than a negative number, and the extra is shown separately as credit.
How outstanding balances are tracked

WhatsApp reminders

A reminder written for you, sent by you

Choose a client, choose a language, and WhatsApp opens with a polite reminder already written: who it is for, what the work was, the agreed fee, what has been paid and what is left. You read it over and press send.

  • Reminder wording in English, Hindi and Gujarati.
  • Figures come from the client record, so the message and the ledger cannot disagree.
  • Umikflow never sends a message by itself — there is no scheduling and no automated sending.
  • Nothing is required of your client: no account, no app beyond WhatsApp, no portal to log into.
How reminders work

Example reminders. Names and amounts are illustrative.

Billing and invoicing

Actual tax invoices with taxes you configure

Create an invoice with several products or services, quantities and unit prices. Choose an invoice look on your profile, apply tax-inclusive or tax-exclusive pricing, review totals, then print or download an A4 PDF. This is a tax invoice document — not a WhatsApp reminder about an outstanding balance.

  • Multiple line items, optional HSN/SAC, and a sequential invoice number from your workspace.
  • A catalog of invoice designs for the A4 layout. Looks change appearance; tax settings stay separate.
  • Taxes on or off; inclusive or exclusive mode; rate chosen by you, not by the software.
  • Print the A4 page or download a PDF. Extra items continue onto a second sheet.
  • Tax invoices do not change dashboard outstanding. That figure still comes from the client ledger.
Invoice creation and designs
Example invoice design: Classic GST (GST & trade). Illustrative data — not a customer bill. Available designs may change.

Private workspace

Access decided in the database, not in the browser

Your clients and payments belong to your account. That is enforced by Row Level Security policies inside Postgres, which means the restriction holds on every query rather than only on the screens that remember to check.

  • One merchant cannot read or modify another merchant's clients or payments.
  • Administrators moderate accounts and see platform totals; they have no route into a merchant's ledger.
  • Role and account status are not writable from the browser at all.
  • The application ships with the public anon key only. Service-role credentials never reach the browser.
Read the security page

Simple billing workflow

How the pieces fit together

Each feature exists because the stage before it produced something the next one needs.

  1. Add client

    Name, mobile number and an optional reference for the work.

  2. Set agreed fee

    The total you and the client settled on for this piece of work.

  3. Record payment

    Amount, date and a note — one entry per instalment received.

  4. Balance updates

    Paid and due recalculate from the entries. Nothing to maintain by hand.

Generate a tax invoice

Add products or services, apply GST you configure, then print or download an A4 PDF. Invoice look is chosen on your profile.

Send a WhatsApp reminder

Pick a language and WhatsApp opens with the agreed fee, amount paid and balance written out. You review it and press send.

Questions

Billing workspace questions

What should a small business look for in billing software?
A place to keep customers, create tax invoices with products or services and taxes you configure, record payments, see outstanding balances, and follow up. Umikflow is a billing and invoicing workspace for that job. It is not accounting software, a payment processor, or inventory management.
Can Umikflow create invoices with Sales Tax, VAT, or GST?
Yes. You can add multiple items, quantities and unit prices, apply tax-inclusive or tax-exclusive pricing with a rate you choose, then print or download an A4 PDF. Umikflow does not decide which tax rate the law requires and does not file tax returns.
Can I choose an invoice design?
Yes. Invoice looks are chosen on your business profile. They change the visual layout of the tax invoice. Taxes on or off, the rate, and inclusive or exclusive pricing stay separate settings.
Is Umikflow accounting software?
No. Umikflow is a billing and invoicing workspace. It handles customers, tax invoices, payment tracking, outstanding balances and WhatsApp reminders you send yourself. It does not provide double-entry accounting, a general ledger, journals, expense books, bank reconciliation, profit and loss statements, balance sheets, accounts payable, a chart of accounts, inventory, or GST return filing.

Keep reading

Go deeper on a single feature

Each of these pages covers one part of the workflow in full.

How it works

The complete workflow, from creating a workspace to following up on a balance.

Read more

Invoice creation

Line items, invoice designs, GST-inclusive or exclusive pricing, print and PDF.

Read more

Client payment tracking

Partial payments, overpayments and how the balance is calculated.

Read more

WhatsApp payment reminders

The three languages, what the message contains, and who presses send.

Read more

Freelancer billing workspace

What belongs in an all-in-one workspace, and when you still need accounting software.

Read more

Ready to try it? Create a free workspace — currently free to start, no card required.

Ready to take control of your client billing?

Create invoices, record payments, and follow up on outstanding balances — then send a WhatsApp reminder when you need to.

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