Bill with line items, tax and discounts, and send it by email. Your customer opens the invoice and pays it in stablecoins on the same page. Part payments are tracked, and anything paid over becomes credit on their next invoice.
Part payments trackedOverpayments kept as credit0.8% to collect
HMHarbourview Markets LtdLagos, Nigeria
InvoiceINV-1041Part paid
Bill to
Bola AdebayoAdebayo Catering Ltd
Issued
7 Oct 2026
Due
21 Oct 2026
Item
Qty
Unit price
Amount
Rice, 50kg bag
45
47,000.00
2,115,000.00
Delivery within Lagos
1
60,000.00
60,000.00
Subtotal
2,175,000.00
Discount
−60,000.00
Tax 7.5%
158,625.00
Total due
₦2,273,625.00
Paid so far
−₦1,200,000.00
Still to pay
₦1,073,625.00
Illustrative. Harbourview Markets Ltd and Adebayo Catering Ltd are sample businesses.
How it works
From bill to paid in three steps.
Build it, send it, get paid on it. The invoice and the way to pay it are the same page, so nothing has to be matched by hand.
DescriptionQtyUnit price
Rice, 50kg bag4547,000.00
Delivery within Lagos160,000.00
Discount, an amount60,000.00
Tax rate7.5%
Payment termsNet 14
1
Build the invoice
Add line items, a tax rate and a discount, as a percentage or an amount, and choose when it is due. Save it as a draft until it is ready.
Invoice INV-1041 from Harbourview Markets LtdAn invoice is ready for payment
Amount dueNGN 2,273,625.00
View and pay invoice
2
Send it by email
Your customer gets the invoice in their inbox, with a button that opens it on its own page. No login, and nothing to download.
Invoice INV-1041Part paid
Paid so far₦1,200,000.00
Still to pay₦1,073,625.00
3
Get paid on the invoice
They pay what they can, when they can. Each payment is recorded against the invoice, and its page always shows what is still to pay.
Features
Billing that keeps its own books.
Every figure on an invoice is worked out on our server and every payment lands against the invoice it was for, so your receivables add up without a spreadsheet.
Line items, tax and discounts
Quantity and unit price on every line, a tax rate, and a discount as a percentage or a fixed amount. Totals are worked out for you.
Due dates and terms
Due on receipt, in 7, 14 or 30 days, or on a date you choose. Once the date passes, the invoice shows as overdue.
Sent by email
Send it straight to your customer, with a button that opens the invoice and its way to pay.
A pay page for every invoice
Each invoice has its own public page. Your customer reads it and pays it there, with no account.
Part payments tracked
Each payment is recorded against the invoice, and the page always shows what has been paid and what is still to pay.
Overpayments become credit
Anything paid over is kept as the customer’s credit and comes off their next invoice.
Customer records, made for you
Bill someone new and their record is created, with every invoice, payment and credit from then on.
Paid another way, or cancelled
Mark an invoice paid when the money came outside ChainPal, or cancel it. Either way its pay page stops taking payment.
In the dashboard
Know where every invoice stands.
Billed, paid, still to pay and credit, read the way your finance team reads them. Move the day to watch an invoice go overdue, then get paid in full.
Look at it on
InvoicesINV-1041Sun 11 Oct
Invoice ·INV-1041
₦2,273,625.00Part paid
Billed to Bola Adebayo, Adebayo Catering Ltd ·Due 21 Oct, in 10 days
Cancel invoiceMark as paidCopy pay link
Where it stands53% paid
Billed
₦2,273,625.00
Paid
₦1,200,000.00
Still to pay
₦1,073,625.00
Payments receivedEach with its own record
TP
₦1,200,000.00USDT on Polygon · part payment
pay.chainpal.org/invoice/k7Dq2LmXTaking payment
ActivityNewest last
Created and sentBy email, to Bola Adebayo
Part payment arrived₦1,200,000.00 in USDT on Polygon
DueIn 10 days
CustomerMade on their first invoice
BA
Bola AdebayoAdebayo Catering Ltd · bola@adebayocatering.example
Lifetime paid
₦7,311,375.00
Invoices
6
Credit you owe them
Nothing
Illustrative. A sample invoice and customer for Harbourview Markets Ltd, a fictional Lagos supermarket chain.
Works with
Part of one platform.
Invoice payments follow the same settlement rules and feed the same customer records and intelligence as everything else you run on ChainPal.
Approvals, statements and exports for the people who close the books.
Questions
Invoices, answered.
Moving your billing over? Write to help@chainpal.org and we will help you plan it.
Does our customer need an account to pay?
No. The email opens the invoice on its own page, where they read it and pay it with any wallet or exchange app, by QR or address, or with a browser wallet.
What if a customer pays only part of it?
The payment is recorded against the invoice, which then reads as part paid. Its page shows what has been paid and what is still to pay, and your customer can pay the rest from the same page.
And if they pay too much?
The invoice is paid in full and the extra is kept as that customer’s credit. It comes off their next invoice, which shows it as a line of its own, so nobody has to remember it.
When does an invoice become overdue?
As soon as its due date passes with money still owed. Nobody has to mark it: overdue is worked out from the due date. Otherwise an invoice is a draft, awaiting payment, paid, cancelled or expired.
Can we record a payment that came another way?
Yes. Mark the invoice as paid and it is recorded as settled outside ChainPal, or cancel it if it was raised in error. Either way, its pay page stops taking payment.
Where does the money go?
To the destination you set for Invoices: your bank account in local currency, your treasury, or a wallet you hold. Each payment arrives on its own address and moves straight on. ChainPal never holds it.
Open for business
Build on rails you control.
Open an account, choose where each product settles and take your first payment in digital dollars. No setup fee, and no balance held on your behalf.