NEWAI-drafted nudges in pidgin, Yoruba, Igbo, Hausa

Get paid back,
without the
awkwardness.

Pade chases your customers on WhatsApp — politely, persistently, in your voice — so the money you're owed actually comes back. Built for the businesses that move Nigeria.

Start free · 14 daysTry on WhatsApp
AN
MB
TO
CO
SW
2,400+ Nigerian businesses recovered ₦1.4B last quarter
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Adaeze Nwosu
Adaeze Suya Spot · Lagos
Customer story

“I supplied 3 wedding caterers on credit in March. By July, ₦480,000 was still outstanding and I'd stopped chasing — it was awkward.”

After 6 weeks on Pade
Recovered ₦465,000 · 97% of what she was owed
Adaeze Suya Spot
via Pade · auto-sent 10:02am
Hi Mrs Bisi 🌅 friendly reminder — ₦185,000 from your last order is now 14 days due. Reply 1 to pay today, 2 to schedule. Thanks Ma!
10:02
1 — sending now ✓
10:11
Works with the tools
your business already runs on
WhatsApp
Business API
Paystack
Flutterwave
Moniepoint
OPay
GTBank
USSD
The problem

Chasing money you're owed costs you the relationship — and most times, the money.

Across Lagos, Onitsha and Kano, ₦12.7 trillion in informal trade runs on trust. When customers don't pay, traders go silent because the chase feels personal. Pade makes it not personal.

The old way

Spreadsheets, sticky notes, awkward voice notes.

–You forget who owes what until cash runs short
–The chase falls on you — voice notes, calls, side-eye at events
–Customers ghost. You write off ₦400k a year and call it “bad debt”
–Debt collectors take 30%+ and burn the relationship
The Pade way

One dashboard. WhatsApp does the chasing.

✓Every debt visible, sorted by who needs a nudge today
✓AI drafts the message in your tone — friendly, firm, or final
✓Sent on WhatsApp, the channel your customers actually read
✓Recover 78% on average — and keep the relationship
How it works

Three steps. No spreadsheets. No awkwardness.

Built for someone who runs a market stall, not a software company. Most users send their first nudge within 4 minutes of signing up.

New debt
MB
Mama Bisi Foods
Bisi & Sons Provisions
2 cartons palm oil + indomie x 8
₦185,000
Save
01 / 03
Add a debt in 10 seconds
Type the customer name, what they bought, and how much. Or import from an Excel sheet — Pade reads Naira, Cedi and Shilling.
Tone
🤝 Friendly⚖️ Firm⚠️ Urgent
Good morning Ma 🌅 Gentle reminder of ₦185,000 from last supply. Reply 1 to pay today or 2 to schedule. Thank you Ma 🙏
02 / 03
Pade drafts the nudge
Pick a tone — Friendly, Firm, or Urgent. Our AI writes a message that sounds like you, with payment options and a settlement offer if needed.
Payment received
₦185,000
Paystack · TRF/2026/050711:24am
Receipt auto-issued✓ sent to Mama Bisi
03 / 03
Sent on WhatsApp. They pay.
The customer pays via Paystack, transfer, or USSD. Pade matches the payment, marks the debt cleared, and issues a receipt. You barely lifted a finger.
What's in the box

Everything a Nigerian business needs to get paid back.

No half-baked features. Pade owns the full loop — debt → reminder → payment → receipt → next order.

WhatsApp Business, native
Not a link. Pade IS your business inbox — auto-replies, payment options, receipts. Customers never leave WhatsApp.
AI that knows your customers
Trained on 6 months of your trade, Pade AI flags churn risk, drafts settlements, and tells you the best time to send. In English, Pidgin, Yoruba, Igbo or Hausa.
Every Nigerian payment rail
Paystack, Flutterwave, Moniepoint, OPay, USSD, transfer, cash. Pade auto-matches and reconciles.
Auto-escalation rules
Day 3 friendly. Day 14 firm. Day 30 urgent. Set the rhythm once, never write the same message twice.
Invoices that look it
Generate clean PDF invoices in your brand. WhatsApp, email, or print. Track viewed → paid in real-time.
Cash-flow reports
See recovered vs chasing, top late-payers, week-over-week. Built for someone who hates pivot tables.
Customer health scoring
Pay-rate, lifetime value, days-since-last-order. Know who to keep, who to watch, who to drop.
Smart alerts
Pade watches for the silent slip — a regular who hasn't ordered in 14 days, a payment that's 2 days late. Heads-up before it hurts.
Live calculator

See what Pade pays for itself in.

Drop in what your customers owe you right now. Most Nigerian SMEs recover under 35% on their own. Pade users average 78%.

No credit cardCancel anytime14-day free trial
₦800k
₦100k₦5M
78%
50% (low end)95% (top decile)
You'd recover an extra
₦344k

vs the 35% you'd recover on your own. That's ₦624k back in your pocket — for ₦12,500/mo.

Start free · 14 days →
The alternatives

Why Pade beats spreadsheets and debt collectors.

Spreadsheets cost your time. Debt collectors cost your reputation. Pade costs ₦12,500/month.

Spreadsheets
WhatsApp + Excel + memory
Debt collectors
Take 30%+ of recovery
RECOMMENDED
Pade
₦12,500 flat / month
Setup time
1 day
2 weeks
4 minutes
Recovery rate
~35%
~60%
78% avg
Cost per ₦100k recovered
your time
₦18,000+
₦400
Keeps the relationship
✓
—
✓
Works on WhatsApp
manual
—
✓
AI drafts messages
—
—
✓
Auto-matches payments
—
—
✓
Receipts + invoices
manual
—
✓
Naija languages
—
sometimes
✓
What customers say

₦1.4 billion recovered last quarter. Across 2,400+ businesses.

“I run a fabric stall in Balogun. Three years of customer credit, no system. In one quarter on Pade I recovered ₦2.1M I'd written off. The customers don't even feel chased — they just pay.”
CO
Chisom Okwu
Owner · Chisom Fabrics, Lagos
Recovered
₦2.1M
“The AI drafts in pidgin — that part na correct. My customers reply faster because the messages don't sound like a bank.”
IM
Ibrahim Musa
Director · Musa Agro Supplies, Kano
Recovered
₦680k
“I cancelled my debt collector. Pade is 1/40th the cost and recovers more. Should have built it myself.”
TB
Tunde Bello
MD · TB Building Materials, Ibadan
Recovered
₦3.4M
“Saturday morning nudges work. I now spend Sundays counting money instead of chasing it.”
KA
Kemi Adebayo
Owner · Kemi Aso-Ebi, Abeokuta
Recovered
₦1.2M
“Onboarded in 6 minutes. First payment hit my account 3 hours later. I literally laughed.”
SO
Segun Olatunji
Owner · Segun Iron Works, Onitsha
Recovered
₦420k
Pricing

Built for any size. Pays for itself in week one.

No setup fees. No per-message charges. No commission on recovered debts. Cancel anytime.

Starter
Freeforever
Start free
✓Up to 25 active debts
✓WhatsApp nudges
✓Cash + transfer + Paystack
✓Basic reports
–AI drafted messages
–Auto-escalation rules
–Customer health scoring
MOST POPULAR
Growth
₦12,500/ month
Start 14-day trial
✓Unlimited debts & customers
✓All payment rails
✓AI drafted messages (5 langs)
✓Auto-escalation rules
✓Customer health scoring
✓Cash-flow reports
✓WhatsApp + IG + SMS channels
Scale
₦45,000/ month
Talk to sales
✓Everything in Growth
✓Multi-branch (up to 10)
✓Team accounts + permissions
✓API + webhook access
✓Custom escalation playbooks
✓Dedicated CSM
✓Priority WhatsApp throughput

Save 20% on annual. Multi-currency support: ₦ NGN · ₵ GHS · KSh KES — coming Q3.

founder portrait
Sammie Otulana
Founder & CEO · Pade
Why we built this

“My mum ran a provisions shop in Ibadan for 20 years. She wrote ₦400k off every year because chasing felt rude.”

That's not a Nigerian problem — it's a small-business problem everywhere — but in markets that run on trust and WhatsApp, the awkwardness is the killer. The relationship matters more than the money. Until both die.

We built Pade because the chase shouldn't fall on the person trying to feed a family. The AI does the polite work. You keep the customer. The money comes back.

If that sounds like your business, give us a try. If we don't pay for ourselves in week one, refund — no questions.

Start free trialRead the full story
FAQ

Questions traders ask us most.

Can't find what you're looking for? Message us on WhatsApp and a real person will reply within an hour during business days.

Chat on WhatsApp

No. Pade sends nudges through WhatsApp, which they already use. They reply, pay via Paystack/transfer/USSD, and get a receipt — all without leaving WhatsApp. You're the only one with a Pade account.

14-day free trial · no card

Stop writing off what you're owed.

Join 2,400+ Nigerian businesses recovering more, chasing less, and keeping their customers.

Start free · 14 daysTry on WhatsApp
✓ No card required✓ Cancel anytime✓ Refund week-one