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Platform

Everything between the work and the deposit.

Umbra Pay is one system for invoicing, collection, reconciliation, and reporting. Here is what that actually means, feature by feature.

Recurring invoice schedule and the active recurring series list
Recurring series — set the cadence once, drafts appear before each send
Invoice totals with credit, discount, and sales tax controls
Credits, discounts, and tax applied on the invoice, not in a spreadsheet
01

Invoicing

Built around how firms actually bill — drafts that wait, series that repeat, and line items you don't retype.

  • Drafts and scheduled sends

    Save an invoice as a draft and send it on the date you choose.

  • Recurring series

    Recurring series run on the schedule you set.

  • Saved items

    A reusable catalog of services and rates, so pricing stays consistent across the firm.

02

Getting paid

The part your client sees. It should take one screen and no account.

  • Card and ACH

    Both methods on one hosted page. No add-on processor, no second contract.

  • Pass-through fee

    Optionally present the 3% card fee to the payer, itemized before they confirm.

  • Automated reminders

    Automatic reminders before and after the due date — set once, then leave it.

  • Needs Attention queue

    Bounced emails, failed cards, and returned ACH surfaced with the cause, not a generic error.

03

QuickBooks sync

The hardest integration in this category, and the reason most firms switch to us.

  • Two-way, live

    Two-way sync of invoices, customers and payments, as they happen.

  • Fees and deposits

    Processing fees and settlement deposits post to QuickBooks automatically, so the bank feed reconciles.

  • Reversals and returns

    Refunds and ACH returns post to QuickBooks automatically instead of stranding a payment.

  • Audit trail

    Every write to QuickBooks is logged, timestamped, and traceable to a transaction.

04

Reporting

Written for accountants: numbers that tie out, not dashboards that impress.

  • Aging and DSO

    Customer aging, DSO trend, and cash-flow forecast from live receivables.

  • Collections performance

    What's being paid, and how fast.

  • Settlement and fees

    Settlement and deposit detail, and fee reconciliation per period.

  • Tax and compliance

    1099-K, transaction history, and customer statements you can hand to a client.

05

Security and control

You're routing client money through us. The controls should reflect that.

  • PCI DSS Level 1 processor

    Card data handled by a PCI DSS Level 1 processor — it never touches our servers.

  • Encrypted in transit and at rest

    TLS 1.2+ in transit, encrypted at rest on AWS, with sensitive credentials held in AWS KMS.

  • Role-based access

    Owner and employee roles for each business.

  • Activity history

    Activity history on every invoice and payment, plus an audit-trail report.

Integrations

QuickBooks today. More on the way.

We built the hardest one first — a live, two-way sync that survives reversals, returns, and partial payments. Xero is in development.

  • QuickBooks Online Live
  • Xero In development

Let us elevate your invoicing experience.

Reduce cost, remove the tedious parts, and get the insight you need to grow — without adding another tool to the stack.

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