Billing
- GST invoices
- Estimates & quotations
- Sales orders
- Delivery challans
- Credit & debit notes
- Custom templates, PDF & WhatsApp
AI-powered billing & business management for Indian SMBs
Smart Billing. Powered by AI.
Create GST invoices, manage inventory, track payments and understand your business — with an AI assistant that works with you.
GST Billing · Inventory · Payments · Reports · AI Business Assistant
Bill. Track. Get Paid. Grow. — no card required to start.
Ratify Billing
Business Dashboard
Today's Sales
₹1,24,800
Receivables
₹3,42,600
Payables
₹1,76,200
Overdue Invoices
₹82,400
12 items low on stock
Ratify AI Assistant
Understands your business data
How much am I supposed to collect this week?
₹1,84,200 across 17 invoices. 6 invoices are overdue. I can prepare reminders for all 6.
Show me overdue invoices above ₹10,000.
I found 8 overdue invoices worth ₹1,42,600.
Ratify always asks for your approval before sending or changing anything.
Trusted by growing businesses
GST Ready
Cloud Based
Mobile + Web
Secure Data
WhatsApp Sharing
Multi-User
Billing shouldn't feel like accounting
Your business moves fast. Your billing software should too.
Most software asks you to navigate, find, enter, save and then dig through reports. Ratify turns everyday business data into simple actions.
Manual invoice creation
Repetitive data entry
Forgotten payment follow-ups
Reports that are hard to read
Stock surprises
GST complexity
Too many screens
Accounting terminology
Two ways to run a business
Existing software
- Navigate
- Find
- Enter
- Save
- Report
Ratify.ai
- Ask
- Understand
- Review
- Act
A business system that helps you run the business, not just record it.
Ratify AI billing
Describe the sale. Ratify drafts the invoice.
Natural-language billing that removes repetitive entry — and always ends with your review.
You type
Create a GST invoice for ABC Traders — 25 units × ₹1,200, GST 18%.
Or: “Create a GST invoice for Rahul Traders for 20 bags of cement at ₹420 each.”
Invoice draft ready
- Customer
- ABC Traders
- Subtotal
- ₹30,000
- GST (18%)
- ₹5,400
- Total
- ₹35,400
Everything your business needs
One platform for billing, stock, money and reporting
All the essentials small businesses expect — organised so you spend less time in screens.
Inventory
- Product management
- Stock tracking
- Purchase management
- Stock adjustments
- Low-stock alerts
- Multiple godowns & barcode support
Customers
- Customer profiles
- Customer ledger
- Outstanding invoices
- Credit limits
- Payment history
- Automated reminders
Suppliers
- Supplier management
- Purchase bills
- Vendor ledger
- Outstanding payables
- Purchase returns
- Supplier-wise reports
Payments
- Payment tracking
- Cash, UPI & bank
- Payment links
- Receivables view
- Payment reminders
- Part-payment handling
Reports
- Sales & purchases
- Profit & expenses
- Outstanding
- Inventory
- GST reports
- Cash flow
Not a chatbot
Meet Your AI Business Team
Specialised agents that understand → recommend → ask for approval → execute. High-impact actions always need your confirmation.
Invoice Agent
Creates and validates invoices.
“Create an invoice for Sharma Electronics.”
Payment Agent
Monitors receivables and helps recover payments.
“Which customers are overdue?”
Inventory Agent
Monitors stock and recommends purchasing.
“Which products should I reorder this week?”
GST Agent
Checks billing and tax-related issues.
“Find invoices with GST or HSN issues.”
Business Agent
Answers business questions.
“Why did my sales fall this month?”
Report Agent
Turns complex reports into simple explanations.
“Explain my profit and loss in simple language.”
Proactive intelligence
Ratify finds what needs your attention
No hunting through reports. Ratify watches your business continuously and surfaces what matters — with a next step attached.
Payment Alert
₹46,000 overdue from 3 customers.
Inventory Alert
5 fast-moving products may run out within 7 days.
Sales Insight
Electronics generated 38% of this month's revenue.
GST Alert
4 invoices require review before filing.
AI Insight: Your sales are up 14% this week, but collections are 9% slower. (Sample data)
Product vision
From billing to business intelligence
Ratify.ai grows from a billing tool into the AI operating system for small and growing businesses.
- Billing
- Inventory
- Payments
- GST
- Reports
- Business Insights
- AI Assistant
- AI Agents
- Business Automation
Built for small business
Made for how your industry actually bills
Retailers, wholesalers, distributors, traders, manufacturers and service businesses.
Retail
Fast POS-style billing, inventory and customer payments.
Wholesale
Bulk invoicing, rate lists and outstanding tracking.
Distribution
Multi-godown stock, route billing and collections.
Manufacturing
Raw material stock, challans and production costs.
Pharmacy
Batch-wise stock, expiry visibility and GST billing.
Hardware
Unit-wise pricing, quotations and credit customers.
Electronics
Serial tracking, warranty notes and fast billing.
Garments
Size and colour variants with season-wise reports.
FMCG
High-volume billing with fast-moving stock alerts.
Auto Parts
Part numbers, HSN codes and supplier ledgers.
Services
Service invoices, retainers and payment follow-ups.
Small Agencies
Quotations, milestone billing and receivables.
Stay ready for GST.
Keep tax details clean as you bill, so filing time is a review — not a rebuild.
- GSTIN management
- HSN / SAC codes
- GST tax calculation
- GST reports
- E-invoice support
- E-way bill support
- GST reconciliation workflows
- Tax-ready reports
Create. Send. Remind. Get Paid.
Share invoices on WhatsApp and let Ratify prepare the follow-ups — you approve before anything is sent.
- 1 Invoice created
- 2 PDF generated
- 3 WhatsApp message prepared
- 4 Customer receives invoice
- 5 Payment follow-up
- 6 Payment recorded
Security & trust
Your business data belongs to you.
Concrete controls, not vague promises. Export your data whenever you want.
Encrypted connections
Cloud backup
Role-based access
Multi-user controls
Audit logs
Data export
Access controls
Secure authentication
From the blog
Guides for running the business side better
Short, practical reading on GST invoicing, getting paid on time, keeping stock honest and using AI without handing over control.
-
AI
What AI Actually Changes in Small Business Billing
Past the buzzwords: the concrete places AI saves time in day-to-day billing, and where a human should always stay in charge.
Read more -
Inventory
Five Inventory Habits That Quietly Drain Cash
Stock is cash sitting on a shelf. These five habits are the ones that most often lock it up in the wrong products.
Read more -
Payments
How to Cut Payment Delays Without Chasing Customers Daily
Receivables get old because follow-up is manual. Here is a simple system of terms, reminders and escalation that works without awkward calls.
Read more -
GST Basics
GST Invoice Format in India: Every Field You Must Include
A plain-language checklist of the fields a GST invoice must carry, plus the small mistakes that cause the most trouble at filing time.
Read more
FAQ
Questions business owners ask us
It starts with billing and business management: GST invoices, inventory, payments and reports. It is built for business owners rather than accountants, and keeps your records organised so your accountant can take it from there.
No. Ratify uses everyday business language instead of accounting terms. You bill, record payments and ask questions the way you normally would, and Ratify handles tax splits and ledgers in the background.
No. The AI drafts invoices, prepares reminders and suggests next steps, but nothing is sent, changed or filed until you review it and approve.
Yes. Ratify is cloud based and works on mobile and web, so you can bill at the counter and check your numbers from anywhere.
Yes. Add your accountant as a user with role-based access, or download GST and business reports to share with them.
Most billing software makes you navigate, find, enter, save and then read reports. With Ratify you ask, understand, review and act: it watches your business, surfaces what needs attention and prepares the next step for your approval.
Stop managing your business from spreadsheets.
Start billing, tracking and understanding your business with Ratify.ai.
Business name → business type → GST details → products → customers → your first invoice.