Your invoices.
Managed
automatically.
Upload your accounts once. We automate reminders, payment follow-up, escalation, and visibility so your cash keeps moving without extra admin.
Transparent success fees. Pay only when money is recovered.
Rates are based on receivable age, amount tier, industry risk, client overrides, and volume discounts. The exact fee is shown before you activate an account.
| Invoice amount | Pre-Due Automation | 0-30 Days Early overdue | 31-60 Days Mid overdue | 60+ Days Late recovery |
|---|---|---|---|---|
| Up to R500 | 3.9% | 8% · min R49 | 10% · min R99 | 13% · min R149 |
| R501-R1 500 | 3.9% | 7.0% · min R99 | 9% · min R149 | 12% · min R199 |
| R1 501-R5 000 | 3.9% | 6% | 8% | 11% |
| R5 001+ | 3.9% | 5% | 7.0% | 10% |
Medical, schools, professional services
Retail, SME trade, subscriptions
Unsecured lending, microfinance, payday loans
High-risk categories may be adjusted further for specific industries or client overrides. Volume discounts and negotiated terms are applied inside the platform.
| Example | Amount | Age | Fee | You receive |
|---|---|---|---|---|
Medical practice Low risk | R2 500 | 0-30 Days | R150 (6%) | R2 350 |
Retail store Medium risk | R5 000 | 31-60 Days | R450 (9%) | R4 550 |
SME trade account Medium risk | R10 000 | 60+ Days | R1 100 (11%) | R8 900 |
Unsecured lending High risk | R15 000 | 60+ Days | R1 800 (12.0%) | R13 200 |
Faster cashflow. Less chasing.
WeCollect4You handles the reminders, payment links, follow-ups, and reporting while your team stays focused on the business. Your funds settle directly to your nominated bank account.
See how it worksEvery unpaid receivable is a silent cash drain.
South African SMEs lose significant revenue to late and unpaid accounts each year - not from bad customers, but from no system to act early enough.
Manual follow-up kills productivity
Your team spends hours each week on calls and emails that should be generating revenue. Chasing payments is a cost that compounds silently.
Recovery likelihood falls weekly
A 30-day overdue account recovers at significantly higher rates than a 90-day one. Delay is the single biggest factor in permanent write-offs.
Traditional collection charges regardless
Conventional agencies charge retainers and upfront fees whether they collect or not - a model that serves the agency, not your business.
The most effective receivables strategy is not only recovering money after it is overdue. It is preventing it from becoming overdue in the first place. WeCollect4You does both.
Five steps. Fully automated.
From upload to payment, WeCollect4You runs the receivables workflow automatically. AI assists every debtor conversation via SMS and email, delivers payment links, and updates your dashboard in real time.
Upload accounts
CSV or Excel. Pre-due and post-due receivables ingested in under 2 minutes.
AI segments and scores
Every account is scored by age, industry and risk profile. Priority sequencing happens automatically.
AI sends and follows up
Personalised SMS and email sequences start within 48 hours with payment links embedded in every message.
Debtor pays via portal
Debtors click the payment link, view their balance and pay through a secure self-service portal.
Dashboard updated
Payment confirmed, account status updated in real time. No response means no fee is charged.
Intelligence built for South African receivables.
WeCollect4You manages debtor communication, payment links and dashboard updates through automated workflows designed for pre-due and post-due receivables.
AI payment probability scoring
Every account is scored for payment likelihood at upload. Communication timing and tone are sequenced based on score to improve response rates.
Automated SMS and email sequences
AI-crafted, POPIA-compliant messages are sent before and after due date with payment links embedded.
Debtor payment portal
Every payment link opens a secure self-service portal where debtors can view their balance, pay, or raise a query.
Real-time dashboard
Every SMS sent, email opened, payment received and account status change stays visible live.
Configured for the sectors SMEs operate in.
Different industries need different tone, timing, and risk handling. The platform adapts the receivables workflow around that context.
Medical practices
Patient account follow-up with careful, professional communication.
Construction and trade
Progress payments, retention items, and trade receivables.
Retail and wholesale
Credit accounts and invoices across a full debtor book.
Education and schools
Fee follow-up that protects parent and institution relationships.
Property and rentals
Rental, levy, and arrears communication with less admin.
Professional services
Invoice follow-up for accountants, attorneys, and consultants.
Logistics and freight
Reduce DSO on transport and freight invoices.
Financial services
Subscription, instalment, and B2B account recovery workflows.
Trust is part of the product.
WeCollect4You is a startup, and we are direct about that. The foundations are compliance, secure payments, and clear operational controls from day one.
POPIA compliant by design
Every workflow, communication template and data process has been built with POPIA embedded from the ground up. Your data and your debtors are handled lawfully at every step.
Money goes directly to you
When a debtor pays, your portion is deposited directly into your nominated bank account within 2 business days. WeCollect4You never holds or batches your funds.
Bank-grade data security
Hosted in South Africa with PCI-DSS certified payment handling, encrypted data at rest and in transit, and role-based access controls.
Common questions, straight answers.
A pre-due receivable has not yet reached its payment due date. WeCollect4You sends automated SMS and email reminders with payment links before the due date. A post-due receivable has passed its due date without payment, so the workflow shifts to firmer follow-up until the account is resolved or marked as no response.
Your receivables. Working while you sleep.
Upload your accounts in under 2 minutes. WeCollect4You automates pre-due reminders and post-due collection. Pricing is transparent and outcome-aligned. No contracts. No setup costs.