Included50 reminders a month free, 500 on Pro

Payment reminders on WhatsApp, with a UPI link

Reminders go out by themselves in the retailer's language, payments match to the bill, and a credit score warns you about slow payers before you bill them again.

No card · Official WhatsApp Business API · Opt-outs handled

WhatsAppUPI linkPayment links
Illustration of a wallet, coins and a payment tick, standing for collected payments.

How it works

Udhaar that chases itself

Set the rules once. The reminders, receipts and ledger updates happen without a phone call.

  1. 1

    Pick a reminder plan

    Before due, on the due date and every few days after, in each party's own language. Pause any party with one click.

    • 3 days before due
    • On the due date
    • Every 7 days after
  2. 2

    The party pays from the message

    Each reminder carries a UPI or Razorpay link for the exact amount. The party can also see their ledger and promise a date.

    • UPI link for ₹52,190
    • Promised to pay on 20-10
  3. 3

    Payment matches the bill

    Payment-link payments are matched to the bill when the gateway confirms them. Cash and cheques you record with F6.

    • Bill marked paid
    • Ledger updated

Inside the app

Who owes what, at a glance

Collections screen: amount to collect, overdue, collected this month and promised, with slow payers flagged and a suggested next step for each.Collections screen: amount to collect, overdue, collected this month and promised, with slow payers flagged and a suggested next step for each.

Credit score

Know a slow payer before you bill them again

Every party gets a grade from A to E, worked out from how they actually pay you: days late, part payments and promises kept. The invoice screen warns you before you bill a C or D party over their limit.

  • Limits that fit: credit limit and credit days per party, with a warning, not a hard stop.
  • Promises tracked: log a promise-to-pay date on the party; a morning WhatsApp digest for the owner is coming soon.
  • Their language: reminders in English, Hindi, Gujarati, Marathi or Tamil, per party.

Ways to get paid

Every reminder carries a way to pay

Payment links from Razorpay or Easebuzz are matched to the bill by themselves. Matching UPI payments to your own UPI ID arrives in v1.1.

Payment methodHow it's matched
Razorpay or Easebuzz payment linkMatched to the bill automatically from the gateway's confirmation
UPI to your own UPI IDRecorded as a receipt today; automatic matching in v1.1
Cash or chequeRecord with F6 against one or more bills; a bounced cheque reopens them
Bank transfer (NEFT/RTGS)Record the receipt against one or more bills

Payment reminder guide

A payment reminder routine that keeps the relationship

Most overdue bills are not refusals. The party forgot, is waiting for their own buyer, or has a question about the bill. A reminder that arrives at the right time, in their language, with the exact amount and a way to pay, settles most of them without a phone call. The ones that don't are the calls worth making.

A cadence that works for most distributors

WhenWhat goes outWhy
3 days before dueA friendly note with the bill number, amount and a payment linkGives the party time to plan the payment
On the due dateThe same bill, with the link and their ledger balanceThe day most parties actually pay
Every 7 days afterA firmer note, with the days overdueKeeps the bill visible without nagging daily
After a promiseA note on the promised datePromises kept count towards their credit score

You set the steps once in Collections → Reminders. Any party can be paused with one switch (a festival, a dispute, a party you want to call yourself), and each party's language decides the language of their reminders.

What happens when the party pays

  • Through the payment link: the payment is matched to the bill when the gateway confirms it, and the bill is marked paid.
  • Party says it's already paid: from the payment page they can tell you so; you see it in Collections and match it to a receipt or dismiss it.
  • Cash, cheque or bank transfer: record a receipt with F6. Money goes to the oldest bill first unless you split it, and TDS deducted by the buyer or a settlement discount is recorded against the bill.
  • A cheque bounces: mark the receipt bounced and the bills open up again with their balances restored.

Credit limits that warn, not block

Give each party a credit limit and credit days. The A to E grade is recalculated from how the party actually pays you: days late, part payments and promises kept. It is a grade inside your own firm, not a credit bureau score, and it is never shared.

Coming soon: automatic matching of UPI payments to your own UPI ID (v1.1) and a morning WhatsApp digest for the owner with who owes what.

Ready-made wording in five languages is in our payment reminder templates. For the rules behind TDS that buyers deduct from your receipts, see TDS on purchases.

Payment reminder price

Reminders included in every plan

WhatsApp utility messages share one monthly quota; packs top it up. Prices before GST.

Compare plans
  • Free

    ₹0

    50 reminders / month

  • Pro

    ₹999/mo

    500 reminders / month

  • Business

    ₹2,499/mo

    2,500 reminders / month

FAQ

Collection questions

More in the help centre.

Do reminders go from my own WhatsApp number?

Reminders are sent through the official WhatsApp Business API with approved templates, under your firm's name. You don't need to keep a phone logged in.

Can a party stop the reminders?

Yes. Every promotional message carries an opt-out link, and you can pause reminders for any party. Payment reminders for real dues follow the template rules set by WhatsApp.

How is the credit score worked out?

From the party's own payment history with you: how many days late they pay, part payments and promises kept. It is not a credit bureau score and is never shared outside your firm.

Which payments are matched automatically?

Payments made through Razorpay or Easebuzz payment links are matched to the bill as soon as the gateway confirms them. Matching UPI payments to your own UPI ID arrives in v1.1.

How many reminders are included?

50 a month on Free, 500 on Pro and 2,500 on Business. Reminder packs of 1,000 messages cost ₹199 before GST.

Works well with

More features

Pakka bill, har baar.

Let the reminders do the chasing

Turn on reminders for your overdue parties today. 50 a month are free.

Illustration of a hand pressing the red Moharbill seal on a printed GST bill, next to a laptop invoice with QR code and a phone with a payment tick.