Automate debt collection for Nigerian merchants with SMS reminders in English & Yoruba
Nigerian small merchants rely on manual bookkeeping, making it hard to track transactions, manage inventory, and collect debts from customers who owe them.
OweChase lets small merchants log customer debts, send automated SMS reminders, and track payments effortlessly. It integrates with local mobile money for easy collections and provides debt aging reports to prioritize follow-ups. Merchants save hours chasing owed money, reducing bad debts by up to 50%.
Small merchants and retailers in Nigeria, such as kirana stores and food vendors in Lagos and West Africa
Localized SMS reminders in Yoruba/Pidgin with Paystack integration for instant collections, unlike generic tools ignoring Nigerian languages and payment habits.
friendly
Quickly add customer debts with due dates and amounts via mobile form
Schedule and send customizable reminders in English/Yoruba via Twilio/AfricasTalking
Mark payments received and update balances automatically
Visual overview of total owed, overdue, and aging buckets
Store customer details, phone, and debt history
Generate payment links for debts and auto-reconcile
PDF/CSV exports of debt summaries
Optional WhatsApp notifications
CSV upload for existing debts
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| phone | text | No |
| business_name | text | Yes |
| created_at | timestamp | No |
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| name | text | No |
| phone | text | No |
| language | text | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| customer_id | uuid | No |
| amount | int | No |
| due_date | timestamp | No |
| status | text | No |
| paid_amount | int | Yes |
Relationships:
/api/debtsCreate new debt
/api/debtsList user's debts
/api/customersAdd customer
/api/reminders/sendTrigger SMS reminder
/api/payments/webhookHandle Paystack webhook
No exports
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 200 | 2% | $108 | $1,296 |
| Month 6 | 1,500 | 5% | $2,025 | $24,300 |
Automated SMS reminders in Yoruba & English help Nigerian merchants recover owed money fast.
Post in Lagos merchant WhatsApp groups and Facebook communities like 'Lagos Market Women'; offer free Pro access for 3 months in exchange for testimonials; DM 50 food vendors on Instagram with pain-point video demo.
Full accounting
No local SMS or languages
Nigeria-specific debt chase with SMS
POS sales
Weak debt tracking
Dedicated automated reminders
Network effects from shared customer debt data (opt-in) + SMS templates tuned to Nigerian culture
80% smartphone penetration in urban Nigeria + rising credit sales post-inflation
SMS delivery failures
Multi-provider fallback (AfricasTalking + Twilio)
Low digital adoption
Phone-first UI + offline mode
Payment gateway fees
Pass-through pricing
Success: 10+ confirm pain & WOY pay $10/mo
Success: 3 recover debts
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