The verdict in three sentences
Unpaid invoices are not an accounting problem; they are frozen cash that stops you paying suppliers and salaries. A debt collection app automates the aging schedule, multichannel reminders and collection to bring DSO from 60 to 30 days and cut 90+ day receivables by ~40 %. A mobile money payment link inside the reminder turns a nudge into a collection.
From manual chasing to a system
Chasing one by one by phone is slow and inconsistent: some clients are never reminded, others too late. The app fires the right reminders at the right time and keeps a trace of every promise.
| Module | What it does | Observed gain (2026 order of magnitude) |
|---|---|---|
| Aging schedule | Receivables by age (0-30, 30-60, 90+) | Full visibility |
| Auto reminders | Scheduled SMS / WhatsApp / email | -50 % admin time |
| Payment promise | Dated commitment, auto follow-up | +kept-promise rate |
| Mobile money collection | Wave/OM/Paystack link in reminder | Immediate payment |
| Risk scoring | Client good / watch / risk | Controlled credit |
| DSO reports | Average payment time tracked | Cash steering |
Cost and cash effect
An SME with a few dozen client accounts starts at entry; a firm with a large portfolio and scoring targets the top.
| Plan | Included modules | Price (FCFA) | Timeline |
|---|---|---|---|
| Essential | Aging schedule + auto reminders | 600,000 - 1,000,000 | 3-5 weeks |
| Pro | + promise + mobile money collection | 1,400,000 - 2,000,000 | 6-8 weeks |
| Advanced | + risk scoring + DSO reports | 2,200,000 - 2,500,000 | 8-10 weeks |
| Accounts tracked | from 30 to 500+ | — | — |
Mini case study
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Grace, CFO of an SME in Lagos, manages 20,000,000 FCFA of receivables at 60-day DSO. Bringing DSO to 30 days frees about 10,000,000 FCFA of trapped cash, enough to finance stock without an overdraft. The Pro app at 1,800,000 FCFA pays back in the first month on financing costs and avoided losses alone, before counting recovered admin time.
FAQ
How do you automate reminders without harassing the client? The app follows a progressive scenario: courteous pre-due nudge, firm reminder after, then formal notice. Each message is personalised and intelligently spaced.
Does mobile money in the reminder change the payment rate? Yes; a clickable Wave, Orange Money or Paystack link removes friction: the client pays in 30 seconds from the message instead of "later".
What does risk scoring add? It ranks clients by payment history to adjust credit granted and prioritise reminders. You avoid extending credit to a repeat bad payer.
How do you measure results? By DSO (average payment time) and the amount of 90+ day receivables, tracked in real time. Going from 60 to 30 days is an achievable target.
Does it integrate with my accounting? Yes, the app can import invoices and export collections to your accounting tool, avoiding double entry.
Let's talk about your project. We install a real collection system to free your cash and stop chasing money. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
