Invoicing and payments for UK trades
Get paid at every stage of the job.
A deposit when they accept, a payment as each stage is done, and the retention when the defects period ends. Customers pay by card, Pay by Bank or bank transfer, straight into your own account. OnPoint takes nothing from it.
14 days free, no card. Then £19 a month for you and £9 for each person you add.
Kitchen extension · Laura Bennett · 14 Meadow Close
Quoted and accepted at £18,000.00 inc. VAT. Deposit on the quote, then stages on the invoice.
Paid so far£3,600.00 of £18,000.00
2 Oct 2026
2 Oct 2026
Deposit
£3,600.00
20% of the quote
Paid 2 Oct 2026
Paid online, on the quote
30 Oct 2026
30 Oct 2026
First fix
£4,320.00
30%
Due 6 Nov 2026
When done
When done
Second fix
£4,320.00
30%
Due when this stage is done
When done
When done
Completion
£5,040.00
35%
Due when this stage is done
A year on
A year on
Retention
£720.00
5% held back
Due 12 months after completion
Press Mark done on a stage and Laura is asked for it, by email and in her portal. Then pay it as her, or mark it paid when a transfer lands.
In the office
Invoice #1791134022871
Stages · paid as the work is done
First fix · 30%Due 6 Nov 2026
£4,320.00RequestedSecond fix · 30%Due when this stage is done
£4,320.00Not done yetCompletion · 35%Due when this stage is done
£5,040.00Not done yetRetention · 5%Due 12 months after completion
£720.00Held
Paid online, the office hears straight away. Paid by transfer, you press Mark paid when it lands.
In Laura's inbox
From Ashworth Build
In Laura's portal
Stage paymentsPay each stage online · £14,400.00
0/4paid
- First fix £4,320.00Due 6 Nov 2026 · Requested
- Second fix £4,320.00Due when this stage is done · Upcoming
- Completion £5,040.00Due when this stage is done · Upcoming
- Retention £720.00Due 12 months after completion · Held
A stage can't be paid until it's been asked for, and the retention stays Held until the defects period ends.
Encrypted & handled securely by Stripe
01How they pay
Card, Pay by Bank or a transfer.
Every invoice carries a link to your customer's portal. They open it on their phone and pay by card, or with Pay by Bank from their banking app, through your own Stripe account. Rather be paid by transfer? Your bank details and a reference sit on the invoice and in the portal.
- The money goes to your own Stripe account, then your bank. OnPoint takes nothing from it
- Stripe's own fee is the only fee on a card or Pay by Bank payment
- On a payment plan, customers can save a card to be charged on each due date
- Paid online, the invoice and, if you use Xero, your books update themselves
Invoice
Replacement radiators
Tom Harlow · from Riverside Plumbing
Balance due
£642.00
Tom opens the invoice from his email or text and pays by card on the same page.
Amount duePay securely below
Encrypted & handled securely by Stripe
- 1The invoice marks itself paid
- 2Tom is emailed a receipt
- 3The office is told: Invoice paid online
Where a card payment goes
- Tom pays
- £642.00
- Stripe's own fee
- Stripe's standard rate
- OnPoint's fee
- £0.00
- Lands in
- Your own Stripe account
Ashworth Build
Invoice #1791207345118 · 30 September
Castlegate Developments Ltd
Plot 14, Orchard Rise
02Construction invoices
CIS and the reverse charge, on the invoice.
Tag each line as labour or materials. CIS comes off the labour only, the reverse charge keeps the VAT as a memo rather than deleting it, and the statutory wording prints itself. Flip them and watch the figures.
OnPoint works these out to help you invoice correctly. It isn't tax advice, and whether either applies to a job is still your call.
CIS for the subcontractors you pay03When it's late
Chased for you, and the interest worked out.
Switch on chasing and a customer with an unpaid invoice is emailed the day after it's due, then every 7 days until it's paid. Between businesses you can also charge statutory interest. OnPoint works it out quietly in the background, and nothing reaches the customer until you add it.
Invoice #1791207345118 · Castlegate Developments Ltd
£3,140.00 after CIS, due 1 Oct 2026 · a business customer
Email the customer
A polite nudge with a link to the invoice, repeated until it's settled.
A customer with an unpaid invoice is emailed the day after it's due, then every 7 days until it's paid.
Settings · Reminders · off until you switch it on
Sent so far4 emails
- 2 Oct 2026
- 9 Oct 2026
- 16 Oct 2026
- 23 Oct 2026
Interest building up
Only you can see this. Your customer's balance is unchanged until you choose to charge it.
£93.25
- Rate
- 11.75% a year
- Charging from
- 2 Oct 2026
- Worked out up to
- 24 Oct 2026
- Interest so far
- £23.25
- Fixed compensation
- £70.00
Interest is charged daily on whatever is still outstanding, so it falls as the invoice is paid down.
Base rate plus 8%
The statutory rate between businesses, using the base rate fixed for the half-year the debt fell late.
£40, £70 or £100
The fixed compensation the law allows on top, banded by the size of the debt. You choose whether to add it.
Homeowners are different
Statutory interest is for business customers. A private customer is only charged if you confirm your terms say so.
Plans are judged fairly
An invoice on a stage or instalment plan is only overdue when a payment on it is late, and isn't charged interest.
04The rest of the money
Money in, money back, money let go.
Recording money against an invoice has four tabs, because they mean four different things. Each one shows the right way on the invoice, the PDF and the customer's portal.
- Xero: customers, invoices and payments go across, with credit notes, refunds, write-offs and plan instalments
- A refund or a lost dispute in your Stripe dashboard is recorded against the invoice for you
Accounts: Xero only. QuickBooks and Sage aren't available.
Record against invoice #1790718844053
Replacement radiators · Tom Harlow · £642.00
Money before there's an invoice
Take a payment up front and it sits on the customer's account. Use it when the invoice is raised, and it prints as its own line.
On the invoice
On account- Total
- £642.00
- Credit on account
- −£300.00
- Amount due
- £342.00
“Engineers used to come back at 5pm with stacks of paper job sheets. Now everything's signed on the phone before they leave the customer. Invoices go out the same day. The cash flow shift was instant.”
Around the money.
Invoicing is one part of OnPoint. Everything here is in the same app, on the same plan.
Getting paid for builders, roofers, kitchen and bathroom fitters, electricians and property maintenance.
Moving from another app? See how OnPoint compares.
- QuotesOptions, extras and a deposit taken as they accept.
- ReportsSales, payments received, aged debt and a VAT summary, by month.
- Subcontractors and CISCIS off what you pay subcontractors, and the monthly return worked out.
- Customer portalWhere your customers pay, see their stages and download receipts.
- RemindersInvoice chasing, quote follow-ups and renewals, each yours to switch on.
- Purchasing, stock and job costsSupplier bills against the job, so you can see what it made.
Questions about getting paid.
Anything else? Ring +44 7884 697405 or email us.
OnPoint works out VAT, CIS and interest to help you invoice correctly. It isn't tax or legal advice.
What is OnPoint's invoicing and payments?
It's the part of OnPoint, job management software for UK trade businesses, that invoices your jobs and gets them paid. Invoices go out with a link your customer can pay from by card or Pay by Bank, or they can pay by bank transfer. It handles deposits, stage payments, retention, CIS, the reverse charge, chasing and late payment interest.
Can customers pay by card, and does OnPoint take a cut?
Yes, by card or Pay by Bank, through your own Stripe account. The money goes to you, and OnPoint takes nothing from it. Stripe's own fee is the only fee. When a customer pays online the invoice marks itself paid, they're emailed a receipt and the office gets a notification.
Can a big job be paid in stages?
Yes. Set the invoice up as stages paid as the work is done. It starts as Deposit, First fix, Second fix and Completion at 25% each, and you can rename them, change the amounts in pounds or percent, and have each fall due on a date or when you mark it done. Marking a stage done emails the customer a request with a Pay now link, due in your payment terms.
How does retention work?
On a stage plan, switch on Hold back retention and a percentage is kept back, 5% to start with and up to 20%. Record practical completion and it's released when the defects period ends, 12 months unless you change it. You're told 14 days before, and the customer is asked for it on the day.
Does it handle CIS and the VAT reverse charge?
Yes. Tag each line as labour or materials and CIS comes off the labour only, at 20% or 30%. With the domestic reverse charge on, no VAT is charged and the VAT shows as a memo. The invoice prints the statutory wording for both. OnPoint doesn't file anything with HMRC for you.
Does OnPoint chase unpaid invoices?
It can, once you switch it on. Chasing is off until you do. Then a customer with an unpaid invoice is emailed the day after it's due, then every 7 days until it's paid, with a link to view and pay it. It stops as soon as the invoice is settled, and a refunded invoice is never chased.
Can I charge late payment interest?
Yes, if you switch it on. Between businesses OnPoint works out statutory interest at the Bank of England base rate plus 8%, plus the fixed compensation of £40, £70 or £100. It builds up where only you can see it, and nothing reaches the customer until you add it to the invoice, or you tell it to add it without asking. Private customers are only charged if you confirm your terms say so, and invoices on a payment plan don't accrue it.
Can I take money before there's an invoice?
Yes. Record it as credit on account and it sits on the customer's account until you use it against an invoice, where it prints as its own line.
Can I refund a payment?
Yes. A refund is recorded as money going back and shows on the invoice, its PDF and the customer's portal. A fully refunded invoice is never chased, marked overdue or charged interest.
Does it pull payments in from my bank?
Not yet. An automatic bank feed is coming soon, and you can join the waitlist in Settings. Until then you record a bank transfer against the invoice when it lands. Card and Pay by Bank payments made from the invoice are recorded for you.
Does it work with Xero, QuickBooks or Sage?
Xero, yes: customers, invoices and payments go across, along with credit notes, refunds, write-offs and payment plan instalments. QuickBooks and Sage aren't available.
What does it cost?
£19 a month for you and £9 a month for each person you add, with every feature and no contract. You get 14 days free first, with no card needed. Or pay yearly: £228 a year for you and £108 for each extra person.
Send the next invoice with a way to pay it.
£19 a month for you and £9 for each person you add, with every feature and no contract. The payments are yours, with nothing taken off by OnPoint. Or pay yearly: £228 a year for you and £108 for each extra person.
14 days free, no card. See pricing