For South African businesses tired of chasing

Get paid.Keep it human.

Zeroed works your overdue accounts for you, on WhatsApp and in your own name, and brings your book to zero. You keep the money and the relationship.

Start free14 days. No card.

See it in action

+127

Trusted by 150+ practices

4.9/5 from 300+ reviews

Good morning, Sarah.

Here's how we're tracking today.

PATH TO ZERO

R57,460 recovered

R28,540

left to recover

Recovered R57,460In plan R18,920To go R28,540

TOTAL OVERDUE

R85,920

Across 132 invoices

RECOVERED (MTD)

R12,430

18% vs last month

PROMISES

R18,920

Across 28 promises

Due this weekR6,420

OverdueR2,180

WhatsApp message sent

09:15

Hi Emily, just a gentle reminder that payment for INV-10234 is due on May 24, 2025.

Not a debt collectorYour money goes straight to youWhatsApp-firstPOPIA-compliantBuilt for South Africa

You did the work. You're still waiting to be paid.

In South Africa, an invoice that says 30 days gets paid in 90. Smaller businesses wait far longer. Chasing it is awkward, slow, and never-ending, and the only real escalation most people know is a debt collector who takes a cut and burns the relationship. So the small accounts get written off, and the big ones just drag.

0+days

how long SA businesses often really wait to be paid

0–0%

of fresh debt is recoverable, if someone acts early

0–0%

roughly all that's left once a debt collector gets it

How it works

Three steps to a book that clears itself.

Bring in your accounts

Drop in a spreadsheet from any system. No integration project, no IT.

Import overdue accounts

Map your columns

312 accounts ready

Your columnMaps toSample

Patient→NameThandi Mokoena

Cell→WhatsApp number082 555 0142

Ref→Invoice referenceINV-1987

Balance→Amount outstandingR1,200.00

Due→Due date2025-05-09

Consent basis captured on importConfirm import

Zeroed does the chasing

Well-timed, friendly reminders on WhatsApp, SMS and email, in your name. It offers payment plans, tracks every promise, and knows when to ease off.

Greenview Dental

WhatsApp Business · online

Delivered, read

Hi Thandi, a heads-up that your account of R1,200 for your visit on 4 May is due Friday.

If your medical aid should have covered this, reply and we'll help sort it out. Prefer to pay now?Pay R1,200 in 30 seconds

Thanks. Can I pay half now and half next month?

You get paid

Money lands straight in your own account, and you watch your overdue book head to zero.

Greenview Dental

Amount due

R1,200

INV-1987

Pay R1,200 now

Set up a plan instead

Features

What actually does the work.

WhatsApp-first

Because that's the one channel people actually answer. Zeroed reaches your customers where they already are, in a thread that looks like it came from you.

Greenview Dental

WhatsApp Business · online

Delivered, read

Hi Thandi, a heads-up that your account of R1,200 for your visit on 4 May is due Friday.

If your medical aid should have covered this, reply and we'll help sort it out. Prefer to pay now?Pay R1,200 in 30 seconds

Thanks. Can I pay half now and half next month?

Of course. Here's a plan you can set up yourself, on dates that suit you.Set up a payment plan

Payment plans built in

When someone can't pay all at once, Zeroed offers them a plan they set up themselves, so you recover it over time instead of writing it off.

Set up a plan

Choose what suits you

R1,200 outstanding · Greenview Dental

Monthly amountR400

1 MayR400Paid

1 JunR400Due

1 JulR400Scheduled

3 months · no interestConfirm plan

One calm dashboard

Your whole overdue book at a glance, always up to date.

Accounts

All accountsNeeds attentionHas a planSorted by amount

RefPatientOverdueOutstandingStatus

INV-2041Sipho Khumalo46 daysR4,850Promise

INV-1987Thandi Mokoena12 daysR1,200In plan

INV-1902Lerato Dlamini63 daysR2,300Disputed

INV-1855Johan van Wyk94 daysR7,410Overdue

INV-1790Aisha Patel5 daysR980Paid

Messages that sound like you, never a robotic form letter.

Every promise tracked, so nothing slips.

Kind by default, firm only when it counts.

Why Zeroed

Firmer than doing nothing. Kinder than a debt collector.

Doing it yourself

A debt collector

Zeroed

Gets paid faster

Slowly

Late-stage only

Yes, from day one

Keeps the relationship

Awkward

Yes

You keep all the money

Yes

No, they take a cut

Yes

Effort from you

High

Low

Almost none

Feels human

Depends

Yes

Zeroed

Gets paid faster: Yes, from day one
Keeps the relationship: Yes
You keep all the money: Yes
Effort from you: Almost none
Feels human: Yes

Doing it yourself

Gets paid faster: Slowly
Keeps the relationship: Awkward
You keep all the money: Yes
Effort from you: High
Feels human: Depends

A debt collector

Gets paid faster: Late-stage only
Keeps the relationship: No
You keep all the money: No, they take a cut
Effort from you: Low
Feels human: No

Why it works

Built on what actually gets people to pay.

Zeroed's approach isn't guesswork. It's built on field research into what makes people pay: being personal, being kind, reminding at the right time, and offering a way to pay in parts. It stays firm, but it never shames, because that's what works and it's the right thing to do.

— the team building Zeroed, in Cape Town

Pricing

Simple pricing. Start free.

No card to start. No lock-in. From R750 a month once you're in. Prices exclude VAT.

Starter

R750/mo

Up to ~100 accounts

WhatsApp, SMS and email reminders
Payment plans and pay links

Start free

Growth

Pro

R3,950/mo

Up to ~1,200 accounts

Everything in Growth
AI voice and priority support

Start free

Custom

Let's talk

For larger books and groups

Multi-branch and integrations
Hands-on onboarding

14-day free trial on every plan. No card required.

FAQ

The questions everyone asks.

No. Zeroed helps you collect your own accounts, in your own name. Your customers hear from you, not a stranger.

Never. Payments go straight into your own account through PayFast. Zeroed only handles the reminders.

Yes, built for it from day one.

Zeroed offers them a payment plan they set up themselves, so you recover the money over time instead of writing it off.

We help you connect one during setup. It takes a few clicks.

Any of them. Export your overdue list as a spreadsheet and Zeroed takes it from there.

About five minutes. After that, it runs itself.

Yes. Month to month, no lock-in.

Ready to get to zero?

Start getting paid the human way. It takes five minutes.

Start free14 days. No card.