User Manual · Updated 17/07/2026

Everything Quarvex does, and how to do it.

Every feature below is included on every business plan. No add-ons, no modules to unlock. If something here doesn't behave as described, email support@quarvex.com and a human will reply.

01Getting started 02Companies & switching 03Customers & suppliers 04Quotes & invoicing 05Pay Now card payments 06Purchases & orders 07AI invoice scanning 08Bank feeds & reconciliation 09Expenses & mileage 10Inventory & fixed assets 11VAT returns (MTD) 12Payroll (RTI) 13CIS 14Self Assessment 15Team & roles 16Reports 17Billing & your plan 18Getting help
01 · Getting started

From sign-up to first invoice

Create your account at app.quarvex.com. Choose Individual (Self Assessment) or Business, pick a plan and start the 7-day free trial. No card is charged until the trial ends.
Enter your company details: name, address, company number and VAT number if registered. These appear on your invoices automatically.
Upload your logo and set invoice defaults (payment terms, notes, numbering) in Settings.
Connect your bank (section 08), add your first customer (section 03) and send your first invoice (section 04).
Tip. The dashboard shows your cash position, unpaid invoices, upcoming VAT and payroll deadlines in one screen. Start every morning there.
02 · Companies & switching

Run several companies under one login

Team, Growth and practice plans let you run multiple companies from one account: up to 5 on Team, 10 on Growth, and 25 to 100 clients on practice plans. Each company keeps its own contacts, invoices, bank feeds, VAT, payroll and reports, fully separated.

Use the company switcher in the top bar to jump between companies.
Add a company from the switcher menu. It gets its own settings and numbering from day one.
03 · Customers & suppliers

Contacts, statements and balances

Keep customers and suppliers with full contact details, payment terms and running balances. Each contact page shows every invoice, bill, credit note and payment, plus an outstanding balance.

Add contacts manually, or let Quarvex create them automatically when you scan an invoice or add a subcontractor.
Open a contact and press Statement to generate a statement PDF. Press Send to email it, pre-filled with the contact's email address.
04 · Quotes & invoicing

Quotes, invoices and credit notes. Unlimited.

Create quotes and convert them to invoices in one click. Invoices support your logo, part payments, multiple VAT rates, discounts and item lines pulled from inventory. There is no invoice cap on any plan.

Go to Sales → New invoice, pick a customer and add lines. VAT is calculated per line.
Press Send to email the invoice as a PDF with your branding, or download it.
Record payments against the invoice, including multiple part payments. Each instalment is tracked in the ledger separately.
Need to correct a paid invoice? Raise a credit note and allocate it.
05 · Pay Now

Get paid by card, straight from the invoice

Turn on Pay Now and every emailed invoice carries a secure card-payment link powered by Stripe. Your customer clicks, pays, and the payment is recorded against the invoice automatically.

Go to Settings → Payments and connect your Stripe account. Stripe verifies your business identity once.
Send invoices as normal. The Pay Now button appears on the invoice email and PDF.
Card payments land in your connected Stripe account and mark the invoice paid in Quarvex.
Note. Stripe's own card-processing fees apply to card payments. Quarvex adds no markup.
06 · Purchases

Purchase orders and supplier bills

Raise purchase orders, send them to suppliers, and convert them to purchase invoices when the goods arrive. Supplier bills track due dates and feed your cash-flow view.

Create a purchase order under Purchases. Use Send to email it to the supplier.
When billed, press Convert to invoice on the order. Lines carry over.
Record payments against bills, in full or in instalments.
07 · AI invoice scanning

Photograph a receipt, get a draft bill

Upload a photo or PDF of a supplier invoice or receipt. Quarvex reads the supplier, date, amounts and VAT, and drafts the purchase invoice for you to review and post. New suppliers are created automatically.

08 · Bank feeds & reconciliation

Live bank feeds with smart matching

Connect your business bank account through our regulated open-banking provider and transactions flow in automatically. Quarvex suggests matches against your invoices and bills, and only auto-matches when the amount agrees exactly. Everything else waits for your confirmation.

Go to Banking → Connect account and approve the connection with your bank. You authenticate with your bank directly; Quarvex never sees your bank login.
Open Reconcile. Confirm suggested matches, or create new transactions for anything unrecognised.
Part payments and multi-instalment invoices reconcile per instalment.
Tip. You can also import bank statements as CSV if you prefer not to connect a feed.
09 · Expenses & mileage

Expenses and mileage, no per-user fee

Record out-of-pocket expenses and business mileage for anyone on the account. Mileage uses HMRC approved rates. Attach receipts, categorise, and reclaim VAT where applicable. Every user on your plan can submit expenses at no extra cost.

10 · Inventory & fixed assets

Stock and assets, tracked

Keep an item catalogue with prices and stock levels that update as you invoice and purchase. Register fixed assets with purchase details and track depreciation for your accounts.

11 · VAT returns (MTD)

File VAT to HMRC from inside Quarvex

Quarvex is MTD-compatible software. Your VAT return builds itself from your invoices, bills and bank transactions. Review the nine boxes, then submit digitally under Making Tax Digital.

Go to Taxes → VAT and connect your HMRC account. HMRC asks you to authorise Quarvex once.
Open the current period. Every figure is drillable to the underlying transactions.
Press Submit to HMRC. The receipt and submission history stay stored in Quarvex.
12 · Payroll (RTI)

Payroll for unlimited staff, included

Run weekly or monthly payroll with PAYE, National Insurance and pension deductions calculated for you. Quarvex files RTI submissions (FPS and EPS) to HMRC and produces payslips. There is no per-employee charge, ever.

Add employees with their tax code, NI category and pay details under Payroll → Employees.
Run a pay period. Review gross-to-net for each employee, then approve.
Quarvex generates payslips and files the FPS to HMRC on or before payday. EPS submissions are handled where needed.
13 · CIS

Construction Industry Scheme, built in

For contractors: add subcontractors, verify their details, and Quarvex calculates CIS deductions on their invoices automatically. Monthly CIS returns file to HMRC, and deduction statements go to your subcontractors by email.

Add a subcontractor under CIS → Subcontractors, including their email address.
Enter their payments. Deductions at the correct rate are applied automatically.
File the monthly CIS return under CIS → Returns.
Open a subcontractor and press Statement → Send. The email arrives pre-filled with their deduction statement PDF attached.
14 · Self Assessment

Self Assessment for sole traders & landlords

The Self Assessment plan tracks your income and expenses, imports your bank transactions, and keeps a live estimate of the tax you owe so January never surprises you. Built for Making Tax Digital for Income Tax. Also included on every business plan.

15 · Team & roles

Invite your team, control what they see

Invite team members with roles that control access: an admin sees everything, a bookkeeper can post but not change settings, and staff can be limited to expenses only. Approval workflows let managers review before anything is posted. Practice plans add a client portal so your clients can approve documents without touching the books.

16 · Reports

Know where you stand

Profit and loss, balance sheet, aged debtors and creditors, VAT reports, payroll summaries and a full audit trail of the ledger. Every report can be filtered by period and exported.

17 · Billing & your plan

Change plan, change billing, cancel anytime

Your subscription is managed under Settings → Billing. Switch between monthly and annual (annual gives you 2 months free), upgrade or downgrade plans, update your card, download VAT invoices for your subscription, or cancel. Prices exclude VAT. Cancelling stops future charges; your data stays available to export.

18 · Getting help

A human answers

Email support@quarvex.com with your question and, if helpful, a screenshot. Growth and practice plans get priority support. We read everything, including complaints about our jokes.