Debt tracking that actually gets you paid
Stop chasing customers in a notebook. Owed tracks every IOU, automates reminders, and shows you exactly who owes you what — across cash, bank transfer, and card.
Customer ledger
Every customer, every debt, every payment — in one place. Search by name or phone.
Smart reminders
AI-drafted WhatsApp, SMS, and email reminders. Send manually or on a schedule.
Recovery analytics
Know your collection rate, average days overdue, and which customers always pay late.
Escalation built in
Send formal demand letters and legal notice templates without leaving the app.
Who Owed is for
- Boutique and supermarket owners running customer credit
- Freelancers and consultants chasing unpaid invoices
- Service businesses (salons, mechanics, caterers) with deposit-based jobs
- Pharmacies, schools, and small lenders managing recurring repayments
Frequently asked
Is Owed free?
Yes — Starter is free forever for up to 10 customers. Upgrade only when you grow.
Can I track debts in Naira?
Yes, Owed supports NGN and USD, with Paystack for card, bank transfer, and USSD payments.
Will it remind customers automatically?
Yes. Draft reminders with AI and send via WhatsApp, SMS, or email on a schedule.