You are probably thinking automated messages will annoy your clients. They will not. They will get you paid.
Construction subcontractors wait 75+ days for payment. Suppliers wait longer. Every day an overdue invoice sits untouched, recovery drops. I send professional payment reminders automatically through the app your clients actually check.
CashSurge
online
Hi Sarah, this is a friendly reminder that invoice #INV-0847 for R24,500 was due on 15 March. Would you like me to send updated payment details?
09:02 ✓✓
Hi, yes please. Will pay by Friday.
09:15
Thank you, Sarah. I have noted Friday as the expected payment date. Payment details below.
09:16 ✓✓
Payment received: R24,500.00
Fri 14:32 ✓✓
The real cost of chasing payments
You became a business owner, not a payment chaser.
You delivered the work. You sent the invoice. Then nothing. So you send a WhatsApp message. No reply. You call. Voicemail. You send another message, this time less polite. Still nothing.
Meanwhile, your materials supplier wants payment, your subcontractors need salaries, and that next project needs upfront costs you cannot cover because R100K is sitting in someone else's bank account. In construction, one late payment cascades through the entire chain. The main contractor pays late, so you pay your subs late, so they cannot buy materials for the next job.
91% of SA businesses are in the same position right now. The average SA SME is owed nearly R100,000 in overdue invoices at any given time. If you delivered the work, you should get paid. This is not a billing problem. This is a survival problem.
Every month you wait, those invoices lose value. Recovery rates drop sharply the longer invoices remain unpaid. What starts as a temporary cash flow gap becomes a permanent write off. The sooner you follow up, the more you recover.
of SA SMEs experience late payments
Xero SA Research
R
average owed per business
Xero SA Research (R99,801 rounded)
The majority
of SA business failures trace back to cash flow problems
National Treasury Q2 2025/26
What if every overdue invoice triggered a professional follow-up sequence automatically? What if those messages landed on WhatsApp, where the vast majority of South Africans actually read their messages? What if the tone escalated naturally, from friendly reminder to firm request, without you writing a single word?
How it works
Three steps. That is it.
Upload your overdue invoices
Export from Sage, Xero, QuickBooks, or a plain spreadsheet. Drop the file. I pull in every overdue invoice with amounts, dates, and contact details. Works with any accounting software.
I handle the follow-up
My system sends a sequence of professional payment reminders through WhatsApp. The tone starts friendly and escalates naturally over days and weeks. Each message is tailored to the invoice amount, how overdue it is, and the industry. You do not write anything. You do not send anything.
| INV-0847 | R24,500 | Paid |
| INV-0851 | R18,200 | Promise to pay |
| INV-0853 | R42,000 | Reminder sent |
| INV-0860 | R8,750 | Paid |
Watch your cash surge back
Payments start coming in. You see every response, every promise to pay, every completed payment in your dashboard. The invoices that used to sit for months start resolving in days.
See it in action
This is what your client receives on day 3.
No threatening language. No awkward phone calls. Just a professional, friendly message that makes it easy for them to pay. The tone adapts based on how overdue the invoice is and your industry.
One tap on “Pay Now” takes them straight to a payment link. One tap on “Already Paid” closes the loop instantly.
CashSurge
online
Hi Sarah, it seems like invoice #INV-0847 (R24,500) from Prestige Builders may have slipped through the cracks. It was due on 15 March.
Would it help if I sent through a direct payment link?
09:02 ✓✓
The channel that actually works
Your clients ignore email. They live on WhatsApp.
Email payment reminders have around a 20% open rate in South Africa. WhatsApp has 98%. That is not a marginal improvement. That is the difference between being ignored and being read.(Chatarmin 2026)
96% of South Africans use WhatsApp daily.(CM.com 2023) Your clients are already there, reading messages, responding to conversations. A professional payment reminder that arrives in the same app they use all day gets attention. An email buried in a cluttered inbox does not.
~
Email open rate
Industry average
WhatsApp open rate
Chatarmin 2026
Payment Reminder: Invoice #INV-0847
Payment Reminder: R24,500
Hi Sarah, invoice #INV-0847 for R24,500 was due on 15 March...
Thanks, will pay by Friday.
Not sure how much you could recover?
The Payment Health Scorecard shows your total owed, age distribution, and predicted recovery rates. Free. No obligation.
Get your free Payment Health ScorecardBuilt for SA business owners
A recovery engine for your business.
I know what it is like to check your bank account hoping that payment came through. Again.
Built by a software engineer from inside SA's banking industry. Production grade WhatsApp automation. AI powered message generation. Built for reliability from day one.
AI generated message sequences
Every reminder is written by AI trained on what actually gets SA business clients to pay. Not generic templates. Messages that reference the specific invoice, adapt their tone based on how overdue it is, and sound like a professional accounts department, not a robot.
Works with your accounting software
Sage, Xero, QuickBooks, or a CSV from Excel. I do not care where your invoices live. Export them, upload them, and the system takes over. No integrations to configure. No API keys to manage.
Multi channel when WhatsApp is not enough
If a client does not respond on WhatsApp after the sequence, the system escalates to SMS and email automatically. Every channel covered. No gaps.
Industry aware playbooks
A construction subcontractor dealing with a late paying main contractor needs different language than a consultant following up with a corporate client. My system knows the difference and adjusts accordingly.
Recovery dashboard
See every invoice, every message sent, every response received, and every payment recovered. Real time. No guessing whether your follow-ups are working.
Works with the tools you already use
Placeholder testimonial for launch. Will be replaced with real client quotes from pilot phase.
Simple pricing. Real results.
Three options. Pick what fits.
For every R100K in overdue invoices recovered, you keep R97,500 and pay me R2,500. The alternative is spending hours every week chasing them yourself.
Starter
For businesses getting on top of overdue invoices
R3,000 once off setup
Up to 20 overdue invoices/month
Basic 3 step WhatsApp reminder sequence
Works with Sage, Xero, QuickBooks, or CSV
Recovery dashboard with real time tracking
POPIA compliant messaging
Growth
For businesses serious about cash flow recovery
R5,000 once off setup
Up to 50 overdue invoices/month
5 step AI escalation sequence
Industry aware message customisation
SMS fallback when WhatsApp is not enough
Monthly performance report
Recovery dashboard with real time tracking
Premium
For businesses with large invoice volumes
R7,500 once off setup
Unlimited overdue invoices
AI escalation + industry recovery playbook
Weekly reporting and performance reviews
Dedicated WhatsApp business line
Multi channel escalation (WhatsApp, SMS, email)
Priority support
Included with every plan
Payment Health ScorecardR2,500 value
Free assessment of your overdue invoice portfolio. Shows total owed, age distribution, and predicted recovery rates before you spend a cent.
First 5 Invoices Free
Your first 5 overdue invoices are processed at no charge during setup. See real results before you commit to anything.
Industry Recovery PlaybookR1,500 valueComing soon
Custom recovery playbook tailored to your industry, with message templates, timing strategies, and escalation sequences built from real SA payment data.
The guarantee
You might be thinking: what if it does not work? Fair. If I do not recover at least 3x your monthly fee in your first 60 days, I keep working for free until I do. Your risk is zero.
Taking on 5 new clients this month.
CashSurge works best for B2B businesses with 10 or more overdue invoices per month.
Questions I get asked
Let's see what I can recover for you.
Fill in the details below. I will get back to you within a few hours with your free Payment Health Scorecard.
Every day those invoices sit unpaid, recovery gets harder. Upload your overdue invoices today. I will handle the rest.
Start Recovering My Cash