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Built for SA SMEs · Success-fee only

Recover more.
Chase less.

PaidUp Collect gives your team a proper recovery workflow: drafts tailored to each debtor, document prep, channels you control, and a tiered success fee only when money actually comes in.

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Bureau Insight checks
AI drafts per debtor
No monthly fee
6–15% success fee tiers
You approve every send
POPIA-aware workflows
PaidUp Collect · Dashboard
PaidUp
Collect
Dashboard
Campaigns
Document prep
Channels

Recovery overview

Recover more. Chase less.

Outstanding
R 842k
Recovered
R 126k
Success fee
6–15%
Outbox · review & send3 pending
Acme Plumbing
Personalised draft
R 12,400
SlowPay CC
Personalised draft
R 8,200
24 debtors in active campaign · personalised AI enabled
R0
Monthly fee
6–15%
Tiered success fee
∞
Cases & campaigns
100%
Your control

The problem

Chasing debt manually
is costing you more than money.

South African SMEs are owed billions in overdue invoices. The hard part is not the law. It is running follow-up consistently.

Manual follow-up eats your day

Your team calls, emails, and chases by hand while debtors learn they can wait you out. Every hour on follow-up is an hour off the business.

No consistent escalation path

Without a clear process, there's no pressure. Debtors learn they can ignore the first reminder, and the second, and the third. A system changes the dynamic entirely.

Formal documents are slow and costly

Getting a lawyer to draft a letter of demand for every overdue invoice is expensive and slow. Most SMEs skip it and lose the leverage that comes with a formal step.

Manual follow-up eats your day

Your team calls, emails, and chases by hand while debtors learn they can wait you out. Every hour on follow-up is an hour off the business.

No consistent escalation path

Without a clear process, there's no pressure. Debtors learn they can ignore the first reminder, and the second, and the third. A system changes the dynamic entirely.

Formal documents are slow and costly

Getting a lawyer to draft a letter of demand for every overdue invoice is expensive and slow. Most SMEs skip it and lose the leverage that comes with a formal step.

How it works

Three steps to a working
debt recovery process.

No complex onboarding. No months of setup. You can have your first campaign running today.

01

Import your debtors

Upload a CSV or enter cases directly. Every overdue invoice becomes a tracked collection case with the debtor's full profile, invoice history, contact details, and escalation stage.

02

Launch targeted campaigns

Set your schedule and recovery playbook. PaidUp drafts outreach for each debtor using their balance, reference, and stage. You review every message before anything goes out.

03

Escalate with documents

When reminders aren't enough, open Document Prep. Case data fills in automatically; AI can polish letters in a firm, professional SA tone. Download, review, and send on your letterhead.

01

Import your debtors

Upload a CSV or enter cases directly. Every overdue invoice becomes a tracked collection case with the debtor's full profile, invoice history, contact details, and escalation stage.

02

Launch targeted campaigns

Set your schedule and recovery playbook. PaidUp drafts outreach for each debtor using their balance, reference, and stage. You review every message before anything goes out.

03

Escalate with documents

When reminders aren't enough, open Document Prep. Case data fills in automatically; AI can polish letters in a firm, professional SA tone. Download, review, and send on your letterhead.

Ready when you are

Your first campaign can be live in under ten minutes.

Sign in to your workspace

Features

Everything you need to recover
what you're owed.

Outreach, documents, channels, and pipeline tracking in one workspace. Built for your team, not your debtors.

Bureau Insight

Pull SA credit bureau signal on a debtor (with consent), get a pay propensity score, and feed it into case risk — about R75 per new check, cached for 30 days.

Campaign manager

Launch campaigns to your debtor list with a sensible cadence and channel order. Each message uses that account's details, not a generic mail merge.

Channels hub

Connect email and WhatsApp, refine drafts, and approve each touch from one outbox. Professional SA tone, your rules.

Document prep workspace

Demand letters and escalation notices with live case data. Optional AI polish keeps tone firm and factual. You decide what goes to the debtor.

Personalised AI drafting

Each draft uses the debtor's balance, reference, days overdue, and your playbook. Refine tone in one click. You approve every send.

Collections pipeline

See every debtor case at a glance, sorted by stage and recovery priority. Know exactly where each case stands and what action is needed next.

Audit-ready records

Case updates, document generation, and message queues are timestamped and logged. If a dispute comes up, your paper trail is there.

Bureau Insight

Pull SA credit bureau signal on a debtor (with consent), get a pay propensity score, and feed it into case risk — about R75 per new check, cached for 30 days.

Campaign manager

Launch campaigns to your debtor list with a sensible cadence and channel order. Each message uses that account's details, not a generic mail merge.

Channels hub

Connect email and WhatsApp, refine drafts, and approve each touch from one outbox. Professional SA tone, your rules.

Document prep workspace

Demand letters and escalation notices with live case data. Optional AI polish keeps tone firm and factual. You decide what goes to the debtor.

Personalised AI drafting

Each draft uses the debtor's balance, reference, days overdue, and your playbook. Refine tone in one click. You approve every send.

Collections pipeline

See every debtor case at a glance, sorted by stage and recovery priority. Know exactly where each case stands and what action is needed next.

Audit-ready records

Case updates, document generation, and message queues are timestamped and logged. If a dispute comes up, your paper trail is there.

Bureau Insight

Know who is likely to pay
before you escalate.

Run a South African credit bureau check from any collection case or client profile. PaidUp returns a clear pay propensity score, merges it into your case risk band, and logs every enquiry for audit — consent-first, operator-controlled.

  • SA ID, passport, or CK number
  • POPIA consent captured in-app
  • Pay propensity score 0–100
  • 30-day result cache · ~R75 per new pull

Document prep

Formal documents
without a lawyer.

Select a case and PaidUp fills in names, amounts, and references automatically. Personalise tone with AI when you want a sharper letter. Always factual, always reviewed by you. Download when ready. PaidUp never files anything on your behalf.

Download drafts as .txt or print-ready view
Preview with real debtor and invoice data
Optional AI polish for letters in a firm SA tone
Letters of demand, payment arrangements & more
Document Prep — Letter of Demand
Subject
Formal Letter of Demand — Invoice #INV-2024-0042
Body

Dear Thabo Mokoena,

We refer to outstanding Invoice #INV-2024-0042 dated 14 March 2024 in the amount of R 18,500.00.

Despite our previous reminders, this amount remains outstanding. We hereby formally demand payment...

Download .txt
Print view

Pricing

Simple. Honest.
Aligned with your success.

We only earn when you recover money. That means our incentives are perfectly aligned with yours.

Full access · No lock-in
R0/ month
Tiered 6–15% success feeper recovery

No monthly fee. No setup cost. No prepaid slots. When you recover an outstanding invoice, the success fee is charged on that recovered case only. Smaller claims stay viable and larger recoveries automatically get cheaper.

Under R5,00015%
R5,000 – R25,00012%
R25,000 – R100,00010%
R100,000 – R500,0008%
R500,000+6%

Everything included

Unlimited collection cases
Unlimited outreach campaigns
Full document template library
AI-assisted message drafting
Channels hub & outbox review
Collections pipeline & case tracking
Audit log for all actions
CSV import & case management
Watch the demo. Pay only when you collect.

FAQ

Common questions.

Do my debtors sign up on PaidUp?
No. PaidUp Collect is a tool for your internal team only. Your debtors never log in, register, or interact with PaidUp directly. Outreach goes out from your team's communication channels.
Does PaidUp file legal documents or contact authorities?
Never. Every document PaidUp generates is a draft for your internal review. You download it, edit it if needed, and decide when and how to send it. PaidUp does not auto-file anything or contact any authorities on your behalf.
How does the tiered success fee work in practice?
PaidUp charges only when money is recovered, and the percentage depends on the recovered amount per case. Smaller recoveries are charged up to 15%, while larger recoveries step down to 12%, 10%, 8%, or 6%. There are no monthly charges, setup fees, or prepaid debtor slots.
What is Bureau Insight?
Bureau Insight lets your team run a South African credit bureau check on a debtor (with POPIA consent and identity on file). You get a pay propensity score merged into the collection case risk band. Checks are operator-triggered, cached for 30 days, and cost about R75 per new pull once your bureau contract is live. Sandbox mode is available for demos today.
What types of documents can I prepare?
The library includes letters of formal demand, final demand notices, payment arrangement proposals, service restriction notices, and escalation letters. Case data fills in automatically. Optional AI polish keeps tone firm and professional. You review everything before send.
Can I use PaidUp alongside my existing accountant or attorney?
Absolutely. PaidUp is designed to complement your existing advisors. You can share the prepared documents directly with your attorney, or use them as a starting point for any formal process they handle.
What happens to my data?
Your data is yours. Debtor information, case details, and generated documents are stored securely and only accessible by your team. We do not share or sell your data.
PaidUp Collect | Recover more. Chase less.