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.
Sound familiar?
Owed flips the script — your customer pays, or gets a formal notice.
A 30-second walkthrough of how Owed recovers your money.
Not just a debt log. A complete recovery toolkit.
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.
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
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.
"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."
Recover just one debt and this pays for itself.
14-day money-back guarantee on paid plans · Cancel anytime
Yes. You can track up to 10 customers free, forever. No card required.
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.
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.
No. They just open your reminder or payment link in any browser.
Yes. Owed works worldwide. Pick USD or NGN in Settings — more currencies coming soon.
Monthly plans can be cancelled any time and won't renew. We also offer a 14-day money-back guarantee on all paid plans.
Every record is protected by row-level security so only you can read your data. Read our Privacy Policy for details.
Start recovering today — first 10 customers free.
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