Getting paid faster

Reminder sequences on offsets you control with escalating tone, automatic late fees after a grace period, one-tap WhatsApp nudges, the net-7 terms nudge, and UPI Autopay on retainers (early access).

Finocket chases money so you don't have to: reminder emails on a schedule you control, late fees that add themselves after a grace period, one-tap WhatsApp nudges, and shorter payment terms by default. This guide covers each lever and when to pull it.

Reminder sequences

Every invoice can run a reminder sequence around its due date. The default offsets are −3 / 0 / +3 / +7 / +14 days — a heads-up before it's due, a note on the day, and firmer follow-ups after — and you can change the offsets to whatever suits your clients. The tone escalates as the invoice ages: friendly first, businesslike later. The moment the invoice is paid, all remaining reminders cancel themselves. Every reminder email carries the client portal link so the client can pay right from the email. If the invoice has a payment schedule, reminders chase the next open installment, not the whole balance.

Automatic late fees

Switch on late fees per invoice and pick a style:

Percent per month — a monthly percentage on the overdue amount, and it never compounds: the fee is always calculated on the original overdue amount, not on earlier fees.
Flat, once — a single fixed fee added one time after the grace period.

Nothing is charged during the grace period you set, and the fee appears as an honest, clearly labelled line item on the invoice — never buried in a total. If you invoice US clients, note that several states cap the late-fee rates businesses may charge; Finocket shows advisory notes on common state caps, but the setting is yours — check your state's rules or ask your accountant.

WhatsApp one-taps

From Outstanding or any invoice, one tap opens WhatsApp with a ready-made reminder carrying the amount, the invoice reference and the portal link. It's the fastest nudge there is — clients reply to WhatsApp long before they reply to email.

Shorter terms — the net-7 nudge

When you pick payment terms, Finocket nudges you toward net-7 over net-30. That's not a house opinion: FreshBooks reports invoices with 7-day terms get paid within a week 58% of the time, versus 40% for net-30 terms. Shorter terms simply keep your invoice near the top of the pile.

UPI Autopay on retainers (early access)

For recurring retainers, UPI Autopay is rolling out in early access: your client approves a mandate once, and each cycle's retainer collects itself — no monthly reminder needed at all. If you'd like it on your workspace, ask from Profile → Modules & features.

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.

Estimates, deposits and payment schedules

Send an EST-numbered estimate with a hosted accept link — your client accepts with a typed name recorded with a timestamp — convert it to an invoice in one tap, and collect through a deposit or milestone schedule that chases itself.

The client portal and statements of account

One branded link shows your client their balance, open invoices with pay actions, estimates to accept, payment history and a statement download — plus how to run a per-client statement with running balance and ageing.