Payd connects to your Xero account and sends intelligent payment reminders via WhatsApp — automatically. No phone calls. No awkward follow-ups. Just invoices that get paid.
Built for South African professional services. Xero integrated. WhatsApp-enabled. POPIA compliant.
Greenfields Dental - Payment Reminder
Hi Sarah, invoice INV-1048 for R 2,400.00 is now 7 days overdue. Please settle at your earliest convenience, or view your statement and pay using the button below.
Reply STOP to opt out
View and payThanks, paying now
Payment received — thank you. Your account is now up to date.
The problem
Every professional services practice deals with slow-paying clients. On a Monday morning, someone sits down with the age analysis and works through it by hand: an email here, a WhatsApp there, a phone call for the difficult ones. It's manual, it swallows hours, and without a good system behind it, the effort isn't always rewarded. Invoices slip through. Follow-ups falter.
Payd does the following up for you: automatically, politely, on schedule, until the invoice is paid. Built specifically for South Africa, integrated with Xero and running on WhatsApp, the channel your clients actually read.
Average SA invoice goes unpaid for 52 days — on 30-day terms. That's 22 days of cash that's already yours, sitting in someone else's account.
In staff time lost per year chasing debtors manually — based on just 4 hours a week at a conservative charge-out rate. Payd starts from R1,499/month.
SA businesses report being owed overdue money — across multiple SA SME payment surveys. Late payments are the single biggest cash flow issue for professional services practices.
Payd chases every overdue invoice at 9am on business days — weekends and public holidays excluded, opt-outs honoured instantly. No admin, no awkward calls.
How it works
Connect Xero, set your rules once, and Payd chases every overdue invoice automatically.
Payd reads your outstanding invoices in real time. Nothing to import, nothing to maintain. Your data stays in Xero — Payd just reads it.
Choose when reminders go out: 3 days before due, on the date, 7 days overdue, 30 days overdue. Set the tone — firm, friendly, or formal. Leave it.
A personalised reminder lands on their phone. 98% read it. Most pay. Those who don't get a follow-up automatically — no one in your office has to do a thing.
Who it's for
If you invoice clients directly and they're slow to pay, Payd is for you. One Xero connection. Immediate value.
Chase outstanding legal fees without the awkward call to a client you're also advising.
Automate patient account reminders at scale — no receptionist involvement needed.
Follow up on milestone invoices automatically. High values, long cycles, slow payers.
Collect tuition and levies from hundreds of families without manual effort from the bursar.
Levy and rental reminders across your entire portfolio — consistent, automatic, POPIA-compliant.
Automate your own AR. The same problem you help clients solve — Payd solves it for you first.
Stop chasing retainers yourself. Spend that time on billable work instead.
Get paid for completed jobs without your founder spending Monday mornings on follow-ups.
Why WhatsApp changes the game
Email reminders get ignored. WhatsApp reminders get paid. The data is unambiguous, and it's why Payd is built WhatsApp-first.
98%
WhatsApp open rate
vs ~20% for email. Nearly every client sees your reminder, not just the ones who check their inbox.
10×+
More responses than email
Industry studies consistently show WhatsApp response rates many times higher than email reminders.
#1
SA's most-used app
WhatsApp is South Africa's most-used app across every age group — your clients already live there.
Why Payd
98% open rate vs 21% for email. Your clients are already on WhatsApp. Payd meets them where they actually respond.
Set reminder rules once. Payd handles the timing, the follow-ups, and the escalation. No one in your practice needs to touch it.
Chasing a long-standing client for payment is uncomfortable. Payd handles it professionally so you remain the trusted adviser, not the debt chaser.
Built-in opt-out handling. Any debtor who replies STOP is immediately removed. Full audit trail. No compliance exposure for your practice.
See exactly what's outstanding, what's overdue, and whether your collection rate is improving. All in a dashboard your whole practice can use.
WhatsApp. Xero. EFT. These aren't afterthoughts. They're built in from day one. Global tools don't work here. Payd was built in SA.
The numbers
Three illustrative examples based on global AR automation benchmarks. Your numbers will vary. The maths is the same.
Starter · R1,499/mo
Small Practice
R5M revenue · 2–5 professionals
Growth · R4,499/mo
Growing Practice
R20M revenue · 8–15 professionals
Scale · R13,999/mo
Managing Agent
500+ levy payers across portfolio
Working capital figures based on a 15-day DSO improvement — global AR automation benchmark range is 10–20 days. Time figures are conservative estimates; actual savings depend on practice size and billing rates. These are illustrations, not guarantees.
Pricing
Plans are defined by debtor count: the number of clients you're actively chasing at any time.
All plans include a 14-day free trial. No credit card required. Annual billing: 2 months free.
Growing past your plan? R395/month per extra 100 debtors — no forced upgrades.
Starter
R1,499
Up to 200 debtors
per month · 14-day free trial
Everything you need to stop chasing debtors manually and start collecting automatically.
Optional add-on
Own dedicated WhatsApp number — +R1,200/mo
Reminders send from your practice name, not "Payd". Cancel anytime.
Growth
R4,499
Up to 600 debtors
Your own dedicated WhatsApp numberper month · 14-day free trial
Everything in Starter, and the features that make your practice look the part.
Practice
R7,999
Up to 1,200 debtors
Your own dedicated WhatsApp numberper month · 14-day free trial
For established practices with a serious debtor book — double the capacity, more of the team on board.
Scale
R13,999
Up to 2,500 debtors
Your own dedicated WhatsApp numberper month · 14-day free trial
Built for large practices and portfolios managing thousands of active debtors.
Enterprise
Large property portfolios, managing agents, schools and multi-entity practices have needs that go beyond standard tiers. Payd Enterprise gives you dedicated numbers, custom onboarding, SLA-backed support and pricing that scales with your actual volume — from R25,000/month.
We respond within one business day.
The product
Your AR dashboard — live data from Xero, reminder outcomes and time saved, all in one place. Sample data shown for illustration.
| # | Client | Outstanding | Overdue | Reminders |
|---|---|---|---|---|
| 1 | Stellenbosch Wine Exports CC Francois du Toit | R 64,500 | 67 days | 4 |
| 2 | Durban Freight Logistics Raj Govender | R 53,200 | 33 days | 3 |
| 3 | Midrand Tech Solutions Sipho Dlamini | R 45,000 | 41 days | 3 |
Join our early access list. Founding practices get 3 months free, then 50% off for the rest of their first year — with their founding price locked in for good — plus direct input into the product roadmap.
14-day free trial · No credit card required · Cancel anytime