Recover the money you're owed.
Owed isn't just a tracker. Send branded payment links, get paid online or by transfer, and escalate stubborn debts with a one-tap formal notice.
You're losing money every day.
Sound familiar?
Owed flips the script — your customer pays, or gets a formal notice.
From "I'll pay later" to paid in full.
A 30-second walkthrough of how Owed recovers your money.
- Step 1Add the debtName, phone, amount — done in 10 seconds.
- Step 2Share payment linkCustomer pays via bank, Paystack or USDT.
- Step 3Get paidConfirm the payment & send a branded receipt.
- Step 4Escalate if ignoredGenerate a formal final notice in one tap.
Everything you need to get paid.
Not just a debt log. A complete recovery toolkit.
Escalate stubborn debts with a formal notice.
When reminders are ignored, mark a debt as escalated and Owed generates a professional Final Demand for Payment — written in clear legal language, with a grace period you choose. Send it on WhatsApp, email, or download as a document.
- Professional language ready to send
- Adjustable grace period (3 / 7 / 14 / 30 days)
- Customer's payment page shows escalated status
- Sends on WhatsApp, email or copy & paste
Date: 28 April 2026
To: Marcus Lawal
Pursuant to the agreement between us, the outstanding sum of $425.00 remains unpaid 32 days after the due date.
You are hereby required to settle this balance, or contact us to arrange a payment plan, within 7 days of receipt of this notice. Failure to do so may result in further recovery action.
— Issued by Seun's Store via Owed
A payment page your customers respect.
Every debt gets a clean, secure-looking payment link you can share. Customers see the amount, your business name, and every payment option you offer. They pay, then confirm — and you get a notification.
- No login required for your customer
- Bank, Paystack, USDT — all in one page
- Customer submits payment, you confirm
- Branded PDF receipt sent automatically
Real businesses. Real recoveries.
"I recovered $500 in 2 days using this. The reminders did all the work."
"The escalation notice got my client to pay within 48 hours. Game changer."
Simple pricing. Clear results.
Recover just one debt and this pays for itself.
- Up to 10 customers
- Basic debt tracking
- Manual reminders
- Mobile-friendly
- Unlimited customers
- Smart WhatsApp reminders
- Branded payment links
- Customer ledger
- Everything in Growth
- Formal legal notices
- Auto invoices & PDF receipts
- Interest on overdue debts
- Recovery analytics & CSV export
- Team seats & installments
14-day money-back guarantee on paid plans · Cancel anytime
Questions, answered.
Is there really a free plan?▾
Yes. You can track up to 10 customers free, forever. No card required.
How does the payment link work?▾
Every debt gets a unique URL. Share it on WhatsApp, SMS or email — your customer sees the amount, your bank/Paystack/USDT details, and submits when paid. You confirm and a branded receipt is generated automatically.
Are the legal notices actually legal?▾
Owed generates a clear, professional Final Demand for Payment that uses standard civil-collection language. It's a strong signal of seriousness — not legal advice. For court action, please consult a lawyer.
Do my customers need to install anything?▾
No. They just open your reminder or payment link in any browser.
Can I use Owed outside Nigeria?▾
Yes. Owed works worldwide. Pick USD or NGN in Settings — more currencies coming soon.
How do I cancel?▾
Monthly plans can be cancelled any time and won't renew. We also offer a 14-day money-back guarantee on all paid plans.
Is my data safe?▾
Every record is protected by row-level security so only you can read your data. Read our Privacy Policy for details.
You already have people owing you.
Start recovering today — first 10 customers free.
Create free account