# Udhaar Wapas — Get your stuck money back, with respect.

> Aapka atka hua paisa, izzat ke saath wapas.

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.

## 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.

## 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.

## 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

## 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.

Source: https://udhaar-wapas.com/en