Stop chasing payments. Let Ratify do the following up.
Know exactly who owes you what, send a link customers can pay in seconds, and have polite reminders go out on time — without an awkward phone call.
No card required · Works with Ratify Billing · Free plan available
Receivables
Outstanding today
0–30 days
₹1,84,000
31–60 days
₹62,500
60+ days
₹28,900
3 customers are past due by ₹95,300. Send a WhatsApp reminder with payment links?
What Ratify Payments does for you
Every rupee owed, in one list
Outstanding invoices sorted by how overdue they are, with a running total you can trust.
Reminders that go out on time
Gentle nudges before the due date and firmer follow-ups after — you approve the schedule once.
Payment links customers can tap
Share a UPI or card link with the invoice so paying takes seconds, not a bank visit.
WhatsApp-first follow-up
Reminders reach customers where they actually read messages, with the invoice attached.
Ageing you can act on
See 0–30, 31–60 and 60+ day buckets, and which customers keep slipping into the last one.
Receipts recorded automatically
Payments settle against the right invoice, part-payments included, so ledgers stay clean.
Meet the Collections Agent
The Collections Agent watches due dates, drafts the message in the right tone, and tells you which customers need a real conversation — but it never sends a reminder or writes off a due without your approval.
- Flags invoices about to go overdue
- Drafts reminders in a polite, firm or final tone
- Suggests which customers to call, not just message
- Spots customers who always pay late
- Answers questions like “how much is stuck over 60 days?”
Collections Agent
Tracks dues and drafts follow-ups
Who should I follow up with today?
3 customers are worth a nudge right now:
- Sharma Traders ₹48,000 · 12 days
- Vega Hardware ₹18,900 · 68 days
- Mehta Enterprises ₹28,400 · 34 days
How much came in this month?
You collected ₹6,42,000 across 38 payments — 11 days faster on average than last month.
Ratify asks for your approval before sending reminders or recording payments.
Four steps to getting paid sooner
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01
Bill as usual
Every invoice you raise in Ratify becomes a tracked receivable.
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02
Attach a payment link
Customers get a UPI or card link along with the invoice copy.
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03
Ratify follows up
AI drafts polite reminders at the right moments and waits for your go-ahead.
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04
Money lands, books update
Receipts are matched to invoices and your outstanding total drops instantly.
No add-ons to unlock the basics
Receivables, reminders and payment links are part of Ratify — not a separate purchase, and not limited to your biggest customers.
- Receivables dashboard
- Ageing reports
- UPI & card links
- WhatsApp reminders
- Part-payment tracking
- Customer ledgers
- Payment receipts
- AI follow-up drafts
Payments, answered
Your money shouldn't wait on a phone call
Start free, add your pending invoices, and let Ratify handle the follow-ups.