Customers who owe you

Track customers who owe you, and get paid without the awkward talk.

OwnerSurf records every credit sale against the customer, puts whoever is most late on top, and writes a WhatsApp reminder in the tone you pick. You tap send.

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  • Free during the pilot
  • Works without light or network
  • English, Pidgin, Yorùbá, Hausa, Igbo
Customers who owe: ₦318,000 total. The helper suggests reminding Aunty Bisi Ogunleye, 12 days late, and Mrs. Nkechi Obi.
Aunty Bisi is 12 days lateShe owes ₦82,000. Send a gentle reminder?
Remind
Hauwa paid ₦12,000Balance cleared. Receipt sent on WhatsApp.
₦318,000 is owed to you3 customers are late this week.
See list

The problem

The debt page is where the biro book loses the most money.

Credit keeps good customers coming back. But a name on a page can't add up, can't remind anyone, and disappears when the book does.

In the biro book

  • Owes me:
  • Aunty Bisi 82,000
  • Mrs Obi 24,000 late
  • Hauwa 12,000?
  • paid 5k? when??

In OwnerSurf

  • Credit sale in one tapPick the customer at checkout and choose Pay later. Their balance updates by itself.
  • Late payers firstEach debt can have a due date. The list shows who is most late at the top.
  • A reminder in your toneGentle, firm or Pidgin, on WhatsApp. The app asks you first and never sends on its own.
  • Part payments add upCustomers can pay bit by bit. Each payment clears the oldest debt first.
  • A full history per customerWhat they bought, what they paid and when, so there is nothing to argue about.

How it works

From credit sale to cleared balance.

  1. Sell on credit

    Add the customer at checkout, choose Pay later and set when they will pay. The sale and the debt are saved together.

    Sell screen listing Ankara tote, Beaded clutch, Block heel sandal and more with prices.

  2. See who is late

    Customers who owe are sorted by how late they are, with the total owed to you at the top.

    Customers who owe: ₦318,000 total, with Aunty Bisi Ogunleye 12 days late at the top.

  3. Remind, then confirm the payment

    Send the reminder on WhatsApp in your tone. When the transfer lands, tap Seen in bank and the balance clears.

    Confirm transfers: ₦35,000 from Ifeoma Nwosu and ₦65,000 from Kemi Lawal, with Seen in bank and Not received buttons.

Customers who owe

Polite, on time, in your words.

The helper picks who to remind and writes the message with the amount, the due date and your account number. You read it, then send.

Customers who oweAdunni Couture
Example
Owed to you₦318,000
  • Aunty Bisi Ogunleye₦82,00012 days late
  • Mrs. Nkechi Obi₦24,0001 day late
  • Hauwa Bello₦12,000Due Saturday

Example figures. The gentle reminder, as the app writes it.

What you get

A debt book that chases for you.

One page per customer

Their balance, what they bought, what they paid and their WhatsApp number in one place.

Due dates

Set when each customer will pay. The helper tells you the day they are late.

WhatsApp reminders

Gentle, firm or Pidgin. You always see the message and tap send yourself.

Part payments

Record any amount. It clears the oldest debt first, and the balance updates by itself.

Payments you can trust

Paid by transfer? Tap Seen in bank only when the alert is really there.

Works offline

Record credit sales and payments without network. They sync when it comes back.

Questions about customer debts

How do I keep track of customers who owe me money?

Record each credit sale against the customer's name, with a due date. OwnerSurf adds it up, shows who is late first, and helps you send a reminder. No more pages to flip through.

Will the app send reminders without asking me?

No. The helper suggests who to remind and writes the message, but you always see it and tap send on WhatsApp yourself.

Can a customer pay part of what they owe?

Yes. Record any amount they pay. It clears their oldest debt first and the balance updates by itself.

Can I write the reminder in Pidgin?

Yes. Pick a gentle, firm or Pidgin reminder. Each one includes the amount, the due date and your account details.

Does OwnerSurf lend money to my customers?

No. OwnerSurf does not hold or lend money. Your customers pay you directly, by transfer, POS or cash, exactly as they do today.

Also on OwnerSurf

More for Naija sellers

For boutiques and fashion shops Boutique inventory and POS Every size and colour counted, sold and reordered on time. For provisions shops and mini-marts Provisions shop inventory and POS Fast selling, low-stock warnings and orders sent on WhatsApp. Stop staff theft Stop staff theft Own PINs, blind counts and approvals that close the gaps.

Get back the money people owe you.

Join the waitlist. We'll message you on WhatsApp when OwnerSurf is ready for your kind of business, and help you set up your stock.

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