Feature
Quote it, then get paid for it
The gap between agreeing a price and being paid is where freelance income goes missing. Panorivo closes it: the quote your client accepts becomes the invoice, the hours you logged become line items, and overdue reminders go out without you having to decide to send them.
A quote becomes an invoice on acceptance
Send a quote from a link. The client accepts or declines on the page, and an accepted quote turns into an invoice with the same lines and the same total - so the number you agreed is the number that gets billed.
- Accept or decline from a link, no account needed
- The decision is recorded, with the date
- No retyping between the quote and the invoice
Hours and expenses land as line items
Unbilled time and rebillable expenses queue up against the project and drop onto the next invoice at the right rate. What is left is a sanity check, not an evening of reconstruction.
Your numbering, your VAT, your terms
Set your own invoice number format, VAT treatment and payment terms once. Your business name, logo and accent colour are on every invoice, so it reads as your business rather than ours.
Paid the way you already get paid
Three routes, and you can offer more than one. Connect your own Stripe account and the invoice gets a Pay by card button that marks itself paid when the payment clears. Paste your own PayPal, Wise, Revolut or Monzo link and it becomes a button too. Or add your bank details and they print on every invoice. Panorivo is never in the middle of any of them.
- Your own Stripe account - the money never touches Panorivo, and no commission is taken
- Or your own payment link, for PayPal and anything else
- Or plain bank transfer, which is all most freelancers need
Who carries the risk
Card payments are created directly on your Stripe account, which means the funds land in your balance, Stripe's processing fee comes out of your balance, and refunds and chargebacks are between you and Stripe. Panorivo holds no money and is not a payment processor. With a payment link it is even simpler: Panorivo stores a URL and nothing else, so it is not told when you are paid - you mark those invoices paid yourself, exactly like a bank transfer.
Chasing runs itself
An invoice that passes its due date is flagged and reminded on, which is the part everybody intends to do and nobody does on the day it is due.
Common questions
- Does Panorivo take a percentage of my invoices?
- No, and it can't - your client's money is never routed through a Panorivo account. Card payments are created directly on your own connected Stripe account, with no application fee set, so Stripe settles to you and we see none of it. Stripe's own processing fee applies, as it would anywhere.
- Can I use PayPal instead of Stripe?
- Yes. Paste your PayPal.me link - or Wise, Revolut, Monzo, or a Stripe payment link you made yourself - and it becomes a button on your invoices. Panorivo stores the URL and nothing else, so there's no account to connect and no credential to hand over. The trade-off is that we're not told when payment arrives, so you mark those invoices paid yourself.
- Can I invoice in a currency other than pounds?
- Yes - set the currency you bill in and amounts are formatted and stored accordingly.
- Is there an invoice limit on the free plan?
- No. Unlimited invoices, unlimited clients, no per-invoice fee.
The rest of it
Set up your first project in about five minutes.
Add a client, break the job into tasks, and send the quote. Free, with no card and no paid tier.