Payo

Built for freelancers, not finance departments

Invoicing,
without the accounting software.

Create a proper invoice. Send the PDF. Know what is paid. Payo does the useful five per cent without charging you for the other ninety-five.

Create an invoice See the product

GBP, USD and EUR. Multiple trading names. One login.

The Payo invoice editor, showing draft invoice INV-0042 for North & Field Consulting, totalling £3,000.00.
getpayo.co.uk
Payo Dashboard Invoices Customers Products

New invoice

Finalise invoice
Payo

INV-0042

Draft

Bill to

North & Field Consulting

accounts@northandfield.co.uk

Line items on invoice INV-0042
Description Amount
Brand direction and visual system £1,200.00
Website design £1,300.00
Add line item

Totals update as you type

Subtotal
£2,500.00
Tax
£500.00
Total
£3,000.00
  • Unlimited line items
  • Professional PDFs
  • Proper invoice locking
  • GBP, USD and EUR
  • Multiple companies
  • Sequential numbering

How it works

Most invoicing software starts somewhere else.

QuickBooks and Xero are accounting platforms. That is useful if you need accounting. It is less useful if you need to send six invoices a month and would rather not pay £20+ for menus you never open.

Payo starts with the invoice. Then it stops.

  1. 01

    Make it.

    Line items, quantities, unit prices and per-line tax. Choose the customer and terms. The numbers keep up as you type.

  2. 02

    Finalise it.

    Once finalised, the invoice locks. What the customer received cannot be silently changed later.

  3. 03

    Send it.

    Generate the PDF and email it from Payo. Replies go to the business email and the PDF is archived automatically.

A sensible workflow

Every invoice has a state. No guesswork.

Draft while you work. Finalise when the numbers are right. Send it. Mark it paid when the money arrives.

Two states sit outside that line: overdue, once the due date passes, and cancelled, for an invoice that should no longer stand.

  • Draft
  • Finalised
  • Sent
  • Paid
The activity timeline for invoice INV-0042, from the draft created on 2 August 2026 through to payment of £3,000.00 on 18 August 2026.

Invoice INV-0042

Paid

North & Field Consulting

  1. Paid

    18 August 2026 · £3,000.00

  2. Sent

    2 August 2026 · PDF emailed

  3. Finalised

    2 August 2026 · Invoice locked

  4. Draft created

    2 August 2026 · INV-0042 allocated

Features

Everything else the invoice needs.

  • Invoice numbers that behave themselves.

    A custom prefix, then atomic allocation. Numbers never collide and never repeat.

    INV-0041 INV-0042 INV-0043

  • Saved catalogue.

    Products and services with default prices and tax rates, saved once and reused.

    • Brand direction Tax 20% £1,200.00
    • Website design Tax 20% £650.00

  • Payment terms.

    Choose the terms and the due date follows from the issue date.

    • Due on receipt
    • Net 7
    • Net 14
    • Net 30
    • Net 60

  • Three currencies.

    GBP, USD and EUR. That is the whole list.

  • Duplicate.

    One click makes a fresh draft that keeps the customer, the line items, the terms and the original issue-to-due gap.

The product

The numbers you actually check.

One screen. No charts pretending to be insights.

The Payo dashboard, showing £4,850 outstanding across three invoices, £7,240 paid this month, twelve customers, £850 overdue on one invoice, and the five most recent invoices.
getpayo.co.uk
Payo Dashboard Invoices Customers Products

Dashboard

New invoice

  • Outstanding

    £4,850

    3 invoices

  • Paid this month

    £7,240

    4 invoices

  • Customers

    12

    Active records

  • Overdue

    £850

    1 invoice

Recent invoices

View all
  • INV-0042 North & Field Paid £3,000.00
  • INV-0041 Walter & Co Overdue £850.00
  • INV-0040 Studio Emery Sent £1,600.00
  • INV-0039 Common Practice Draft £2,400.00
  • INV-0038 North & Field Paid £1,240.00

For your business

Keep each business properly separate.

Separate identity. Separate numbering.

Each one carries its own address, logo, VAT number, bank details and currency. The numbering runs separately too, so switching company never disturbs a sequence.

The company switcher, showing three trading names — Halden Studio, Coldharbour Ltd and Wren & Pike — each with its own currency and its own next invoice number, and the full record for the selected company.

Companies

  • Halden Studio Next INV-0043 · GBP £
  • Coldharbour Ltd Next CH-0009 · USD $
  • Wren & Pike Next WP-0116 · EUR €
Halden Studio Unit 12, Halden Yard, Bristol BS1 4RW
VAT number
GB 417 2954 08
Bank details
Account ending 4471
Currency
GBP £
Invoice prefix
INV-

Next number

INV-0043

Every customer keeps a full history.

Contact and billing details on the record, and every invoice you have raised for them alongside it.

The customer record for North & Field Consulting, showing contact and billing details and three paid invoices totalling £6,340.00.

Customer

North & Field Consulting

accounts@northandfield.co.uk

Billing address

8 Ferry Lane, Leeds LS1 4AP

Invoice history

  • INV-0042 18 August 2026 Paid £3,000.00
  • INV-0038 24 July 2026 Paid £1,240.00
  • INV-0031 12 June 2026 Paid £2,100.00

PDFs and email

Professional on the customer’s side. Quiet on yours.

One click makes the PDF, with your company logo on it, and Payo emails it to the customer with the PDF attached.

It sends from a transactional address built to arrive, with Reply-To set to your own business email. Replies come to you, not to Payo.

Every PDF Payo generates is archived automatically in S3, so a copy of exactly what the customer received always exists.

The invoice email for INV-0042: sent from Payo with Reply-To set to studio@haldenstudio.co.uk, addressed to accounts@northandfield.co.uk, showing a total of £3,000.00 due 16 August 2026 and the attached PDF, archived.
Invoice email 2 August 2026
From
Payo
Reply-To
studio@haldenstudio.co.uk
To
accounts@northandfield.co.uk
Subject
Invoice INV-0042 from Halden Studio
Invoice total
£3,000.00
Due
16 August 2026
INV-0042.pdf Archived

Send the invoice. Get back to the work.

Payo is for people who need a calm place to create invoices, send PDFs and keep track of what happened next.

Create an invoice