Quote it. Bill it. Bank it.
Send a quote your client signs online, turn it into an invoice in one click, and get paid by card or bank transfer. Any currency, VAT, GST or sales tax, disbursements and stage payments included, from £5 a month.
- No card needed
- Set up in 5 minutes
- Works in your currency
- Any currency, local tax rates and bank details
- Online quote acceptance and e-signature
- Card and bank payments via Stripe
- Encrypted daily backups, GDPR ready
See every quote, signature and payment as it happens
Your dashboard updates the moment a client signs or pays. On site, your phone does the same: build the quote, let the client sign on the screen, and watch the deposit land.
- Live payments chart and overdue alerts
- Clients sign on any phone, tablet or computer
- Secure hosting, encrypted, backed up nightly
From first quote to money in the bank
Four steps, one record. Nothing is retyped, so the price you quoted is the price you invoice.
- Step 1
Quote
Pick items from your price list. Product codes, tax and disbursements fill in for you.
Sent - Step 2
Client signs
Your client signs online with an e-signature, or signs the PDF and emails it back. You are notified straight away.
Accepted - Step 3
Invoice
The invoice is created when they sign and emailed to them and to you. Long quote descriptions become short invoice lines.
Due - Step 4
Get paid
Card and bank payments match themselves. Polite reminders go out if a payment is late.
Paid
Everything a small firm needs, nothing it doesn't
Branded quotes and invoices
Your logo, colours and payment details on every document. Download as PDF or Word, or send by email.
Online acceptance
Clients accept quotes with a typed or drawn signature. The signed copy is saved and emailed to both of you.
Pay now button
Connect your own Stripe or PayPal account. Clients pay by card, Apple Pay, Google Pay or PayPal, straight to you.
Automatic reminders
Friendly emails 3 days before the due date, on the day, and 7 days after. Every message can be edited.
Stage payments and deposits
Bill a deposit, stages or retention against one quote, and see what is still to invoice.
Recurring invoices and receipts
Retainers go out on schedule. When an invoice is paid it is stamped PAID and a receipt goes to the client.
Costs and profit
Record bills and receipts, see what you owe and what you really make, with VAT to reclaim.
Every version kept
Drafts, issues, revisions and signatures are all saved, and PDFs land in your OneDrive, Dropbox or Google Drive.
Cash and tax at a glance
Money received by month, what is overdue and a rolling 12-month VAT, GST or sales tax total for your return.
Confidential to your company
Only you and the people you add can see your data. Not even Invoice Universe staff can look without your permission.
VAT returns and bank statements
Your 9-box VAT return each quarter, receipts scanned in bulk and bank statements matched to invoices and bills.
AI assistant
Ask who owes you money or describe a job, and get a draft quote or invoice to check and send.
Know who owes you, without opening a spreadsheet
Every invoice shows its true status. Part-payments are counted, overdue invoices stand out, and the totals match your bank.
- Actual payments received by month, including part-payments
- Draft, sent, viewed, part-paid, paid and overdue on every invoice
- Weekly export to Excel or Google Drive, so you always hold your own copy
Payments received by month
Example · FY 2026-27Quote pipeline
- Collected
- Outstanding
- Overdue
Made for people who quote before they work
Surveyors
Party wall, building and measured surveys. Disbursements and fixed fees.
Architects and technicians
Fee proposals by stage, signed before drawings start.
Builders and trades
Deposits, stage payments and retentions on site jobs.
Consultants and freelancers
Day rates, retainers and recurring monthly invoices.
The invoicing part of an accounting suite, at a fraction of the price
If you need full bookkeeping and payroll, an accounting suite is the right tool. If you need to quote, invoice and get paid, you need this.
| Invoice Universe | Typical accounting suite | Word or Excel template | |
|---|---|---|---|
| Price | From £5 / month | £15 to £48 / month | Free |
| Quotes your client signs online | Yes | Some plans | No |
| Disbursements and stage payments | Yes | Partly | By hand |
| Card payments and reminders | Yes | Yes | No |
| Learn it in | An afternoon | A few weeks | Already know it |
Before you start
Do I need a card to start the free trial?
No. You get 30 days of Premium free. At the end, pick a plan or your account moves to read-only so you never lose your records.
Can I use it if I'm not registered for VAT, GST or sales tax?
Yes. Set VAT to 0% and leave the VAT number blank. When you register, add your number and rate, and new invoices pick them up.
Can I bring my existing clients and invoice numbers?
Yes. Import clients from a CSV file and choose the next invoice number, so your sequence carries on unbroken.
Does my accountant get access?
Invite them as a read-only user, or send a CSV export that imports into Xero, QuickBooks and Sage.
Send your first quote today
30 days free. No card. Your data exports any time.