01
Accounting firms
All of your clients' aging in one view. Lifetime analytics per account, reminders you set once, and a reconciliation trail your reviewer will actually accept.
Invoicing & accounts receivable
The invoice goes out.
The books stay right.
Send invoices, take card and ACH, and watch every payment land in QuickBooks automatically, as soon as the payment is recorded. One platform, live two-way sync, and reminders that chase the balance for you.
3% card ·75¢ flat ACH
Built on Card data handled by a PCI DSS Level 1 processor /Live two-way QuickBooks sync /Card & ACH from one platform /Bank-grade encryption in transit and at rest
Built with the people who chase the money
01 · Who it's for02
Professional services
Recurring invoices that run on the schedule you set, and you decide whether the card fee passes through to the client.
03
Small businesses
Skip the month-end consolidation. Invoices and payments sync both ways, and deposits post to QuickBooks automatically, so the books are closed before you sit down to close them.
No need to go anywhere else
One platform, from draft to deposit
Most firms run invoicing in one tool, payments in another, and reconciliation by hand on a Friday. Umbra does all three — with live analytics and a reporting layer built for accounts receivable, not for dashboards.
- 01 Draft, schedule, and send — one-off or recurring
- 02 Client pays by card or ACH on a hosted page
- 03 Payment, fee, and deposit post back to QuickBooks
- 04 Aging, DSO, and collections update in real time
What you get on day one
02 · PlatformTwo-way QuickBooks sync
Not a nightly export. Two-way sync of invoices, customers and payments. Processing fees and settlement deposits post to QuickBooks automatically, including reversals and ACH returns. Xero is in development.
Receivables that chase themselves
Automatic reminders before and after the due date — set once, then leave it. A Needs Attention queue names the problem — bounced email, failed card, returned ACH — instead of a generic error.
A payment page clients finish
No account to create. Your client opens the invoice, sees the amount and the pass-through fee stated plainly, and pays by card or bank in one screen.
Reporting an accountant trusts
Aging, DSO trend, cash-flow forecast, collections performance, fee reconciliation, settlement and deposit detail, 1099-K, customer statements, and an audit-trail report. Every figure ties back to a transaction.
Security
You are handing us your receivables. We treat it that way.
Card data handled by a PCI DSS Level 1 processor — it never touches our servers. Everything else is encrypted in transit and at rest, with owner and employee roles for each business and activity history on every invoice and payment.
- Card handling
- PCI DSS Level 1 processor
- Encryption
- TLS 1.2+ / AES-256
- Access
- Owner and employee roles
- Traceability
- Activity history and audit report
Is my business right for Umbra Pay?
If you send invoices and wait to get paid, yes. We work best for accounting firms managing many clients, professional services billing by project or on a recurring schedule, and small businesses that want invoicing and payments in one place.
How long does it take to process my payments?
Card payments authorize immediately and settle on the standard card timeline. ACH clears in one to three business days. Every invoice shows its real status — authorized, settled, or returned — rather than marking itself paid early.
Can I move clients over from an existing service?
Yes. If you're on QuickBooks, your customers and open invoices come across with the sync. We handle the mapping during onboarding so you aren't re-keying an aging report.
Can I schedule invoices to send later?
Yes — schedule a send date on any invoice, or set a recurring series with its own cadence. Recurring series run on the schedule you set.
Who pays the card fee?
You decide. Absorb the 3%, or pass it through to the payer as a stated fee shown on the payment page before they confirm. ACH is always presented as the no-fee option.
Is there a cancellation policy or termination fee?
No contract, no termination fee. It's a simple monthly plan plus per-payment pricing, cancel whenever — and reports export to CSV, Excel and PDF.
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.