For distributors, wholesalers & small manufacturers
Get your stuck money back, with respect.
Udhaar Wapas follows up on every overdue invoice for you — a polite WhatsApp nudge, a promise-to-pay date, a call, and only then a formal letter. Every message carries a UPI link, and the moment your buyer pays, everything stops.
- ✓ WhatsApp + UPI
- ✓ Hindi & English
- ✓ MSMED Act aware
- ✓ No threats. Ever.
Udhaar keeps your business running — until it doesn’t
You sell on credit because that’s how trade works. But chasing payments eats your evenings, strains relationships and blocks the cash you need for the next order. Most owners either feel awkward asking, or ask in ways that hurt the relationship.
₹10k–₹5L
typical invoice we help recover
6 steps
from friendly nudge to legal handoff
1 / day
max messages to any buyer — we never spam
The escalation ladder: firm, fair, and automatic
Each overdue invoice climbs one rung at a time. You can change the timing for any case. A payment — even a partial one — pauses the ladder instantly.
1 · Day 0
Friendly WhatsApp nudge
A polite reminder with the invoice and a one-tap UPI payment link.
2 · Day 3
Reminder + promise date
If they need time, buyers pick the date they will pay. We track it.
3 · Day 7
A real phone call
A trained caller speaks to your buyer with a respectful script and logs the outcome.
4 · Day 14
Settlement offer
Optional instalments or a small discount — only if you allow it.
5 · Day 21
Formal demand letter
A professional letter on your letterhead, with the MSMED Act cited when you qualify.
6 · Day 30+
Legal handoff
We prepare your case for the MSME ODR portal or a partner advocate.
🛡️ Messages go out only between 8 am and 7 pm IST, never more than once a day, and never to anyone but your buyer.
Everything a busy owner needs, nothing they don’t
UPI link in every message
Buyers pay in one tap. Payments update the case automatically.
Promise-to-pay tracking
See who promised what and when — and who broke a promise this week.
Hindi and English
Every message goes out in your buyer’s preferred language.
Bulk upload from Excel
Upload your overdue list as a CSV. We check every row before anything is sent.
Shop-wise access
Run several shops? Give each staff member access to only their shop.
A full paper trail
Every message, call, promise and payment on one timeline — ready if you ever need it.
Built for the way Indian trade works
Distributors & wholesalers
Dozens of retailers on credit, small invoices, constant follow-up.
See how it works →
Small manufacturers (MSME)
Large buyers stretching payment terms beyond 45 days.
See how it works →
Dealers & OEM suppliers
Steady relationships you want to protect while still getting paid.
See how it works →
Izzat ke saath — our promise to you and your buyers
Recovery should never feel like harassment. Our rules are built into the software itself, so they can’t be skipped — not by us, not by anyone.
- Contact only between 8 am and 7 pm IST
- At most one message and one call per buyer per day
- Every message names your business — no anonymous pressure
- Threatening or shaming language is blocked automatically
- No legal language until the formal letter stage
- A buyer who says STOP is never contacted again
Free tools for MSMEs
Work out what you’re owed, where your money is stuck, and what to say — no sign-up needed.
MSME delayed payment interest calculator
Work out the interest on a late payment under the MSMED Act.
Open tool →
Overdue ageing calculator
See which invoices are 0–30, 31–60, 61–90 and 90+ days overdue.
Open tool →
Demand letter generator
Create a firm, respectful demand letter in English or Hindi.
Open tool →
Plans from ₹99 a month
Starter ₹99, Growth ₹299, Pro ₹499 a month — or pay yearly and save 20%. Start with a 14-day free trial, no card needed.
Pricing →Questions owners ask us
Will my buyers feel harassed?
No. Messages are polite, name your business, go out only between 8 am and 7 pm, and never more than once a day. Threatening or shaming language is blocked by the software, and anyone who replies STOP is never contacted again.
Do I need to change how I invoice?
No. Add an overdue invoice by hand, take a photo of it, or upload your list as a CSV. We work with the invoices you already send.
What happens when my buyer pays?
Every message has a UPI link. When a payment comes in, the ladder pauses at once; when the invoice is fully paid, everything stops and you are notified.
Is this a khata app?
No. Keep your ledger wherever you like. Udhaar Wapas focuses on one job: getting overdue invoices paid, step by step, with a clear record of every follow-up.
Can I use it for buyers outside my city?
Yes. Everything happens over WhatsApp, phone and email-ready letters, so it works for buyers anywhere in India.
Your money is stuck. Your relationships don’t have to be.
Sign up in two minutes with your phone number. 14 days free, no card needed. We handle the reminders, the calls and the paperwork — izzat ke saath.