Say it, don't type it
Record a debt the way you'd say it out loud, and OweMe picks out the name, the amount, and when they'll pay.
"Mama Grace, two bags of rice, 85k, pay Friday"
Get back the money you've already earned.
Africa's smart debt recovery platform
Your customers buy on trust, and you deserve to be paid on time. OweMe tracks who owes you, reminds them politely, and helps the money come back, even when the network doesn't cooperate.
Free to start · works offline · reminders sent for you
Notebooks forget. Memory fades. WhatsApp buries it.
Billions of naira move through informal credit every month, tracked in exercise books, chats and heads. Money quietly slips away, not because customers are dishonest, but because following up is hard and asking is uncomfortable. OweMe becomes the polite messenger, so you don't have to be.
Reminders that send themselves
The moment you record a debt, OweMe plans the follow-up: before the due date, on the day, and after. Professional, respectful, and it stops the moment they pay.
A pay link in every reminder
Customers tap the link and pay by card or transfer, nothing to install. The money settles straight to your own bank account.
Works without network
Record debts and payments anywhere: the market, the road, the shop. Everything saves instantly on your phone and syncs when you're back online.
Look organised, get paid faster
Branded receipts, clean statements, and payment confirmations. Customers treat an organised business more seriously.
Know your money at a glance
Who owes the most, who always pays late, what you recovered this week, clear numbers, no accounting degree required.
Three taps. That's the whole job.
OweMe is built to be understood in five seconds, outdoors, one-handed.
1
Record it in seconds
Speak it or type it the moment credit leaves your shop. Works with your contacts, works offline, no forms to fight.
2
OweMe follows up for you
Polite reminders go out on schedule: WhatsApp or SMS, in your business's name, each carrying a pay link. No awkward conversations, no forgotten balances.
3
Money comes back
Payments land in your own bank account, a receipt goes out automatically, and your dashboard updates. You watch recovered money grow instead of chasing it.
Start free. Pay as you grow.
Your plan scales with the value you manage. Collecting what you are already owed is never blocked; growing past your plan's scale simply needs the next plan.
Starter
Free
Just getting started
- Manage up to ₦300K
- 50 OweMe credits / month
- Unlimited manual reminders
- Receipts & statements
MarketPopular
₦2,500 /month
Market traders & shops
- Manage up to ₦1.5M
- 300 credits / month
- Pay links · 1 staff seat
- Standard analytics
Business
₦6,000 /month
Growing businesses
- Manage up to ₦6M
- 1,200 credits / month
- Up to 5 staff seats
- Deeper analytics & insights
Wholesale
₦12,000 /month
Distributors & wholesalers
- Manage up to ₦20M
- 3,000 credits / month
- Up to 10 staff seats
- Full analytics + export
Enterprise
from ₦25,000 /month
Chains & organisations
- ₦25K covers ₦40M managed
- +₦12,500 per extra ₦20M
- Fair-use credits · API access
- Unlimited staff · branches
Prices in Nigerian naira. Plans renew monthly and can be cancelled anytime. Credit top-up bundles are available in the app (up to two a month). Pay-link payments carry a small processing fee, shown before you share a link.
Questions traders ask us
Do my customers need to install anything?
No, never. Your customers just receive a normal WhatsApp or SMS message with a pay link. They tap it and pay by card or transfer. OweMe is only for you.
What do the reminders sound like?
Professional and warm, in your business's name. Never rude, never embarrassing. You choose the tone (gentle, friendly, or firm) and see exactly what the customer receives before anything is sent.
Does it really work without internet?
Yes. Recording debts, payments, customers and receipts all work fully offline. Everything saves instantly on your phone and syncs by itself when you're back on network.
How does the money reach me?
You add your bank account once in the app. When a customer pays through a link, the money settles directly to that account, we never hold your money.
Is my business data safe?
Your records live on your phone first and are backed up securely. We never sell your data, and your customers' details are used for one thing only: helping you get paid.
Stop chasing. Start recovering.
Join the traders getting their money back with OweMe, free to start.
Download for Android, coming soon