Create and send your invoices, track their payment; when one stays unpaid, Repaid identifies why, resolves the blocker, negotiates with the debtor and helps recover the cash.
€1 ≈ $1.14 — an indicative rate, subject to daily change. The reference price is in FCFA; other currencies are indicative.
Unpaid invoices are rarely refusals. They're blockers.
Disputes
Debtor disagrees with the invoice and stops paying until it is resolved.
Missing documents
A PO, delivery note or contract is missing from the debtor's system.
Admin problems
Wrong contact, wrong portal, invoice never reached the right desk.
Cash-flow issues
Debtor can pay, but not all at once — needs a plan, not a reminder.
An AI-augmented accounts-receivable workforce.
Repaid helps you invoice and follow your payments, then automates accounts-receivable and debt-collection work with AI agents that analyze receivables, understand blockers, communicate with debtors, negotiate when appropriate, and escalate situations that need a human.
How Repaid works
01
Invoice or import
Create and send an invoice, or add one: manually, via CSV, or by dropping it into the chat.
02
Analyze
AI analyzes the invoice and debtor to understand context and risk.
03
Prioritize
Every case gets a risk level so effort goes where it matters.
04
Contact
The agent reaches the debtor by email, SMS or WhatsApp.
05
Negotiate
In the chat, the agent negotiates terms and payment plans with the debtor.
06
Get paid
The debtor pays by Mobile Money; Repaid keeps its fee, then pays you the balance on your Mobile Money once the Repaid team has processed it.
07
Report
Track status, amounts recovered and active cases in real time.
What the agent actually does, today.
No vague promises — here's what's genuinely live in Repaid.
EmailSMSWhatsApp
Invoicing — create, send, follow
Create invoices, quotes and credit notes, send them by email or secure link, and choose for each one: send only, send and follow payment, or automatic recovery. Nothing is chased without your choice, nor before the due date.
Risk level
Every invoice and debtor gets a risk level (low / medium / high), calculated by fixed rules from age, amount and disputes. It is a guide to prioritize cases, not a prediction.
Collections — multichannel outreach
The agent reaches your debtors by email, SMS and WhatsApp, following up automatically based on how overdue an invoice is — every exchange stays attached to the relevant case.
Conversation — intent detection
Every debtor reply is automatically classified (payment promise, delay request, dispute, refusal, inability to pay) to trigger the right next step without waiting on manual review.
Negotiation — AI-assisted negotiation
In the Repaid chat, the agent has real tools to diagnose an invoice, start a recovery, propose a payment plan and log every negotiation exchange with the debtor.
Dispute — opening a case
When a debtor flags a blocker (missing PO, billing error, delivery issue…), the agent can open the dispute automatically, with the exact reason — never guessed.
Human escalation
If negotiation fails repeatedly, or intent classification calls for it, the case is automatically escalated to your team — the threshold is configurable.
Example case timeline
Received
The same level of detail as your dashboard.
Every collection case tracks its status, risk level and next action — visible at a glance.
Debtor
Amount
Risk
Status
Next action
Atlas Construction
€12,400
High
Negotiation
WhatsApp follow-up scheduled
Nova Distribution
€3,800
Medium
Contact in progress
Awaiting debtor reply
Ferronnerie Duval
€980
Low
Payment plan active
Next installment in 6 days
Illustrative example — sample data
Every debtor seen as a whole, not a list of invoices.
Total due, overdue amount, open disputes, kept or broken promises, and the next action to take — in one place.
Total due
12 400 €
Of which overdue
8 900 €
Max days late
47 j
Kept promises
3
Broken promises
1
Open disputes
0
Next action
Négociation en cours
Illustrative example — sample data
A risk level calculated by rules, not a guess.
Every debtor gets a 0-100 score from real signals — how overdue they are, the amount at stake, open disputes — never a black-box model.
Risk score
62 / 100
Level
Moyen
Payment estimate
≈ 58 %
Collection estimate
≈ 73 %
These are deterministic heuristic estimates, not statistically measured probabilities — neither is presented as a certainty.
Illustrative example — sample data
Don't just remind customers to pay. Give them a way to pay.
Every invoice gets its own payment page: the debtor pays by Mobile Money, Repaid keeps its success fee, then pays you the balance on your Mobile Money once the Repaid team has processed it.
Payment by Mobile Money
The debtor opens their link and pays by Mobile Money through our payment provider. Payment is confirmed automatically — no declaration to check, no manual reconciliation.
Payout to your Mobile Money
The debtor pays by Mobile Money through our payment provider. Repaid keeps its success fee, then pays you the balance on your Mobile Money number once the Repaid team has processed the payout. Repaid does not invest or use these funds.
Turn a difficult payment into a structured plan.
Each installment is tracked individually — paid, late, or upcoming — through to the final balance.
3,000 €
Recovered on the plan0 €1,000 €
D+0
2D+30
3D+60
Instalment 1 collected — the next one is tracked automatically.
Illustrative example — sample data
You decide how far the agent goes alone.
Three supervision modes, configurable anytime — never a checkbox you discover after the fact.
Monitor
Automatic reminders wait for your approval: nothing is sent without you. When a debtor writes, the AI answers on its own within your rules.
Approve
Below the threshold, reminders go out on their own. Above it, they wait for your approval. The AI always answers on its own when a debtor writes.
Act
The AI sends reminders and answers on its own, except above the mandatory-approval ceiling if one is set.
A VIP customer, an open dispute, or a high-risk debtor always require human approval, regardless of mode or amount.
What's measured, not what sounds good.
Recovery rate, amount recovered, receivables aging — the metrics genuinely computed in the product.
Taux de recouvrement
74 %
Montant récupéré
142 000 €
Ancienneté moyenne
23 j
Taux de réponse
68 %
Illustrative example — sample data
How much could you recover?
Enter your own numbers for an indicative estimate. This isn't a performance guarantee.
Additional amount potentially recoverable
19,200,000 FCFA
Estimated cost of the current manual process
649,500 FCFA /mo
Estimated monthly cost with Repaid
75,000 FCFA /mo
+ 11% success fee on amounts actually recovered
Estimate based on the numbers you enter — not a guarantee of results. Assumptions: a loaded cost of about 30,000 FCFA/h for manual follow-up, and an illustrative 40% recovery improvement on the currently stuck balance.
Built for sensitive financial data.
No certification badges to show yet — here's what's genuinely in place in the architecture.
Multi-tenant isolation
Every organization has its own data space, enforced at the database level — your data is never visible to another company.
Role-based access control
5 roles (Owner, Admin, Finance Manager, Credit Manager, Viewer) define exactly who can see and do what, enforced server-side.
Funds never invested
The debtor pays by Mobile Money through our payment provider. Repaid keeps its success fee, then pays you the balance on your Mobile Money number once the Repaid team has processed the payout. Repaid does not invest or use these funds.
History & audit trail
Every action taken by the agent and your team is logged and reviewable, case by case.
Email
SMS
WhatsApp