Cosmos Documentation & Guides

Everything you need to master invoicing, legal contracts, client portal collaboration, and global tax compliance.

Getting StartedEssential

Quickstart & Workspace Setup

Get your Cosmos workspace operational in under 3 minutes with basic branding, currency, and tax profiles.

Cosmos organizes all your business operations into an isolated Workspace. Once initialized, configure your corporate tax identifiers, default payment terms, and branding palette.

Navigate to Settings > Workspace to set your organization name, primary currency (USD, EUR, GBP, INR, CAD, AUD, AED), and legal address.
Upload your high-resolution company logo — this automatically brands all client invoices, contracts, and portal headers.
Configure standard payment term defaults (e.g. Net 15, Net 30, Due Upon Receipt) to automate due date calculations.

Note: Changing your base currency will not rewrite historical invoice exchange rates; past transactions retain their original locked conversion snapshots.

Getting Started

Client Records & CRM Onboarding

Add and organize clients, custom billing addresses, and dedicated tax identifiers.

Each Client record acts as the primary anchor for invoices, contract proposals, and project deliverables.

Store client legal name, contact email, phone, and optional billing contact.
Specify client tax registration (e.g. VAT number, GSTIN, or Tax ID) for automatic reverse charge tax validation.
Assign a dedicated client portal magic link that requires zero login credentials for the end client.

Invoices & BillingCore Feature

Tax-Compliant Invoicing & Splits

Issue multi-currency invoices with automated VAT/GST line-item calculation, discounts, and instant PDF download.

Cosmos generates professional, audit-ready invoices formatted to regional regulatory standards across North America, Europe, the UK, APAC, and the Middle East.

Automatic progressive sequential numbering (e.g. INV-2026-0001) with workspace-customizable prefixes.
Support for compound tax rates, inclusive/exclusive pricing, and subtotal deductions.
Attach online payment checkout links (Stripe & Razorpay) directly into the invoice view.

// Example Invoice Summary Data Model
{
  "invoiceNumber": "INV-2026-0042",
  "clientName": "Acme Innovations Ltd",
  "currency": "EUR",
  "subtotal": 4500.00,
  "taxTotal": 945.00,
  "taxRate": 21.0,
  "total": 5445.00,
  "status": "issued"
}

Invoices & Billing

Recurring Invoices & Automated Retainers

Automate recurring retainer schedules with auto-generation and email delivery.

Set up monthly, quarterly, or annual recurring invoice profiles for retainer clients. Cosmos automatically creates the invoice on scheduled execution dates and notifies the client.

Choose billing frequency: Weekly, Bi-weekly, Monthly, Quarterly, or Yearly.
Set start dates and optional expiry dates or total invoice iteration caps.
Enable automated email dispatch with direct payment links upon each billing cycle trigger.

Contracts & E-SignLegal Compliance

Contracts & Legal E-Signatures

Create legally binding contract proposals with cryptographic hash verification and signature audit trails.

Execute client agreements without relying on third-party signature tools. Cosmos complies with the US ESIGN Act and European eIDAS regulation for electronic signatures.

Embed dynamic merge fields: Client Name, Project Scope, Fee Schedule, and Sign-off Dates.
Audit trail logs IP address, timestamp, browser user-agent, and SHA-256 cryptographic document hash upon execution.
Export tamper-evident signed PDFs with embedded digital certificate stamps.

Note: Once signed by all designated parties, contracts are locked into an immutable state and archived.

Client Portal

Client Portal & Magic Links

Give your clients a white-labeled, frictionless dashboard to view invoices, sign contracts, and review milestones.

Eliminate login fatigue for your clients. Each client receives a cryptographically signed magic link giving them instant access to their personalized portal.

Zero passwords required: Clients access their ledger via secure signed tokens.
Pay outstanding invoices in one click via credit card, ACH, or UPI.
Review milestone deliverables and submit formal digital approvals or change requests.

Global Taxes & Multi-CurrencyIndia Compliance

India Domestic GST Splits & TDS (u/s 194J)

Automated CGST/SGST vs. IGST splits by Place of Supply, Section 194J TDS deduction calculation, and SAC/HSN service codes.

For Indian freelancers, consultancies, and digital agencies, Cosmos provides fully automated, audit-proof GST and TDS handling out of the box.

Intra-State Supply (e.g. Karnataka to Karnataka): Automatically splits 18% GST into CGST (9.0%) and SGST (9.0%).
Inter-State Supply (e.g. Karnataka to Maharashtra / Delhi): Applies IGST (18.0%) based on the client's registered 2-digit State code.
Section 194J TDS Withholding: Automatically computes 10% (or 2% for technical call centers) TDS, displaying both gross invoiced amount and net receivable.
SAC & HSN Mapping: Standardized Service Accounting Codes (e.g. 998311 for IT Consulting) for 1-click GSTR-1 and GSTR-3B preparation.

// Sample Finalized Domestic Invoice Breakdown
{
  "invoiceId": "INV-2026-004",
  "baseSubtotal": 100000.00,
  "placeOfSupply": "29-Karnataka (Intra-State)",
  "taxBreakdown": [
    { "type": "CGST", "rate": 0.09, "amount": 9000.00 },
    { "type": "SGST", "rate": 0.09, "amount": 9000.00 }
  ],
  "grossTotal": 118000.00,
  "tdsDeduction": { "section": "194J", "rate": 0.10, "amount": 10000.00 },
  "netPayable": 108000.00
}

Note: Finalized invoices freeze tax breakdown snapshots as immutable records for GST audit readiness.

Global Taxes & Multi-CurrencyGlobal & Export

Cross-Border Invoicing & Rule 96A LUT (0% Export)

Invoice international clients under Letter of Undertaking (LUT) with 0% GST, statutory declarations, and multi-currency pass-through.

Exporting IT, software, design, or professional services to international clients qualifies as zero-rated export under GST without paying integrated tax when backed by a Letter of Undertaking (LUT).

Statutory Export Declaration: Invoices automatically embed the mandatory CGST Rule 96A declaration: 'Supply meant for export under bond or letter of undertaking without payment of integrated tax'.
LUT ARN Tracking: Configure your annual LUT ARN (Acknowledgment Reference Number) in Settings to stamp all export invoices automatically.
Multi-Currency & Zero Escrow: Direct pass-through settlements in USD, EUR, GBP, AUD, and CAD via Stripe Connect with non-custodial payouts.
Reverse Charge & Global VAT: Auto-handles reverse-charge declarations for EU/UK clients and B2B exemptions for US clients.

// Sample Finalized Export Invoice with Rule 96A Declaration
{
  "invoiceId": "INV-2026-002",
  "client": "Acme Global Inc (United States)",
  "currency": "USD",
  "baseSubtotal": 14500.00,
  "lutArn": "AD29032600129",
  "taxRate": 0.00,
  "statutoryDeclaration": "Supply meant for export under bond or letter of undertaking without payment of integrated tax.",
  "totalAmount": 14500.00
}

Note: Overseas clients receive zero-tax invoices in their local currency without confusing Indian domestic tax withholdings.

Global Taxes & Multi-Currency

Global Tax Jurisdictions & Multi-Currency

Automate regional tax compliance including EU VAT reverse charge, Indian GST breakdown, and US Sales Tax.

Cosmos comes pre-configured with rules for major international tax jurisdictions to protect your cross-border billing compliance.

EU B2B Reverse Charge: Automatically zero-rates VAT when a valid cross-border EU VAT ID is supplied.
Indian GST: Handles CGST + SGST (Intra-state) and IGST (Inter-state) splits based on state codes.
Live currency rates: Store amounts in client currency while reporting unified workspace ledger figures.

Developer API & WebhooksDevelopers

Developer REST API & Webhooks

Integrate Cosmos into your automated systems using secure API Keys and real-time Webhook event listeners.

Automate invoice creation, fetch client balances, and subscribe to webhook events for CRM synchronization.

Authenticate via Bearer API Keys generated in Settings > Developer API.
Real-time Webhook topics: invoice.created, invoice.paid, contract.signed, deliverable.approved.
Webhook signatures are signed with HMAC SHA-256 for cryptographic payload validation.

curl -X POST https://api.cosmos.com/api/v1/invoices \
  -H "Authorization: Bearer cos_live_abc123xyz" \
  -H "Content-Type: application/json" \
  -d '{
    "clientId": "cli_987654",
    "currency": "USD",
    "dueDate": "2026-10-15",
    "items": [
      { "description": "Full-stack Web Development", "quantity": 1, "unitPrice": 3500.00 }
    ]
  }'

Developer API & WebhooksSecurity & Reliability

API Rate Limiting & Quotas

Understand API throttling tiers, standard rate limit response headers, and retry strategies.

To safeguard platform stability and prevent brute-force attacks, Cosmos enforces distributed rate limits across all public and authenticated endpoints.

Global API Quota: 120 requests / minute per IP across standard REST routes.
Auth & Password Endpoints: 10 requests / 15 minutes (with OTP generation restricted to 3 requests / 10 minutes).
Client Portal & Signing: 5 password attempts / 15 minutes, 10 contract e-signatures / 15 minutes, and 10 payment checkouts / 15 minutes.
File Uploads: 30 presign & confirm requests / 15 minutes per IP.
Inspect standard response headers: X-RateLimit-Limit, X-RateLimit-Remaining, X-RateLimit-Reset (epoch seconds), and Retry-After (seconds).

// HTTP 429 Too Many Requests Response Schema
{
  "status": "FAIL",
  "errors": [
    {
      "code": "TOO_MANY_REQUESTS",
      "message": "Too many requests — please slow down.",
      "retryAfterSeconds": 45
    }
  ]
}

Note: When consuming the Developer API programmatically, implement exponential backoff with jitter and respect the Retry-After header.

Need custom technical guidance or API assistance?

Our engineering and customer support specialists are available to review your webhook payloads and custom ERP setups.

Customer Support & Helpdesk FAQ