Recover unpaid money professionally. Create formal payment notices. Organise your evidence. Track responses. Offer payment plans. Connect with verified lawyers only when necessary.
Starting a new job instead? Create a simple agreement in under three minutes to prevent future disputes.
Case · #4172
Freelance dev, Lagos — ₦ 350,000 unpaid
Why people lose money
They lose money because there is no structured recovery process.
Silence is the debtor's most effective weapon.
'Next week', 'end of month', 'once the alert comes in'.
No formal document, no clean paper trail.
Lawyers feel expensive. Court feels impossible.
Choose how you want to start
Someone owes you money? Turn WhatsApp chats, invoices, receipts and screenshots into a professional recovery case in minutes.
Starting a new transaction? Create a simple agreement in under three minutes.
Practical examples
Mechanics, tailors, plumbers, nurses, freelance developers, salary earners — SettleMe is built for the people that lose money every day because there's no clean way to demand it back.
Outstanding
₦ 420,000
Emeka rebuilt a customer's engine for ₦ 420,000. Customer collected the car, promised balance in a week, then went cold on WhatsApp for two months.
Evidence used
Outstanding
KES 180,000
Kevin finished plumbing three units in a new estate. The contractor said 'end of month' four months in a row. He had no signed paperwork.
Evidence used
Outstanding
₦ 750,000
Ngozi worked five months at a private clinic. Salary kept 'coming next week'. She had payslips for the first two months and a WhatsApp confirmation from HR.
Evidence used
Also built for
Tailors
Unpaid balances on finished outfits
Freelance devs
Websites shipped, invoices ignored
Unpaid employees
Salaries 'coming next month' for months
Mechanics
Repairs done, cars collected, no balance
Plumbers & electricians
Estate & site work left unpaid
Nurses & caregivers
Private clinics owing months of pay
The recovery process
No court appearances. No confusing paperwork. No legal fees to start. Just a clear path from "someone owes me" to "I got paid."
Who owes you? How much? When was payment due?
WhatsApp chats, invoices, receipts, contracts, photos, delivery proof.
Demand letter, private debtor portal, payment link, instalment proposal.
Receive payment, accept instalments, or invite a verified lawyer.
Prevent tomorrow's disputes
Every agreement created inside SettleMe automatically becomes part of your evidence if payment problems ever arise. No re-uploading. No chasing screenshots. It's already in the case.
Create your first agreementCreate Agreement
Both Parties Sign
Track Payments
Complete Transaction
If payment goes bad
Recover Money — one click
Every signature, message and file already lives in your case. Nothing to re-upload.
Quiet resolutions
"I fixed a customer's engine and he collected the car with a promise. Two months of silence. I sent a SettleMe notice — he paid the balance in nine days."
Emeka O.
Auto mechanic, Aba
"I built and shipped a website. Client stopped replying. I uploaded the WhatsApp chats and the invoice, SettleMe sent a formal notice. Half was paid within a week."
Tunde A.
Freelance developer, Lagos
"Five months of unpaid salary at a private clinic. I never thought I'd see that money again. SettleMe turned my payslips and HR messages into a proper case. My employer settled."
Ngozi E.
Nurse, Enugu
FAQ
If you can't understand it in one sentence, we haven't finished designing it yet.
None. Every screen asks a simple, plain-English question. If you can send a WhatsApp message, you can create a full agreement.
No. You send them a link on WhatsApp. They open it, see a simple summary, tap Agree & Sign. No account required to view or sign.
Naira, Kenyan Shilling, Cedi, Rand and US Dollar — chosen per agreement. More coming as we launch across Africa.
Creating, sending and signing agreements is free. You only pay if you upgrade for reminders and templates, or if you ever need to escalate to a formal recovery case.
Any unpaid agreement can be turned into a recovery case in one click. All your evidence — the signed agreement, dates, messages, files — is already in the case.
Yes. It is a written record of what both parties agreed to, signed by both of you. If it ever needs to escalate, you can invite a verified lawyer through the platform.
Ready when you are
Create your first agreement in three minutes. Free forever. No credit card. No lawyer. No jargon.