First loan free · then 1% only when you recover

Stop chasing.
Start recovering.

Without the awkward ask.

Someone owes you money. You don't want to bring it up. Owwed sends the reminder, tracks the interest, and escalates automatically — so you never have to.

Track a loan on WhatsApp See how it works →

First loan free. Then 1% only when money is recovered. No subscription ever.

₹5,337 recovered · 45 days overdue— 87% of loans recovered within 30 days— ₹28,000 recovered in one week— ₹1,200 recovered · "client had forgotten"— ₹42,500 recovered via payment plan— Average recovery time 18 days— ₹5,337 recovered · 45 days overdue— 87% of loans recovered within 30 days— ₹28,000 recovered in one week— ₹1,200 recovered · "client had forgotten"— ₹42,500 recovered via payment plan— Average recovery time 18 days—
Is this for you?

You need Owwed if...

🧾
A client hasn't paid your invoice
You delivered the work weeks ago. They've gone quiet. You don't know what to say without sounding desperate or aggressive.
👥
A friend owes you money and it's getting awkward
You've thought about it 50 times. You haven't said anything because you don't want to ruin the relationship.
⏰
You're tracking multiple unpaid invoices at once
You have 8 clients, 3 are overdue, and you're losing track of who owes what and who you've already followed up with.
⚖️
You want a record in case it escalates
You need documentation. A WhatsApp message isn't enough. Owwed creates a timestamped, confirmed legal record from day one.
💡
The real reason people use Owwed
It's not about the message. It's about removing yourself from the conversation entirely. When a neutral system sends the reminder — not you personally — the borrower pays faster, the relationship stays intact, and you stay sane.
How it works

From "I'll pay you back"
to actually paid.

Four steps. Runs automatically. You never have to decide what to say.

1
Takes 30 seconds
You record the loan on WhatsApp
Message Owwed. Tell us who owes you, how much, and when it's due. Pick the tone — friendly, standard, or serious. That's it. No forms, no accounts, no app to download.
Owwed
● Online
new loan
Who owes you money? Name + number.
Type nameContacts
Rahul — +91 98765 43210
How much?
₹15,000
Due date?
1 week2 weeks1 month
2 weeks
✅ Done. Rahul has been notified. Track at owwed.com
2
Automatic · takes seconds
Rahul confirms he received the money
Owwed sends Rahul a confirmation request. When he taps Yes — a timestamped, mutually-acknowledged record is created. He can never say he didn't borrow it. This one step changes everything.
Owwed — Loan Confirmation
Message to Rahul
Hi Rahul 👋 Arjun has recorded lending you ₹15,000. Due back: 14 Nov 2025. Please confirm you received this money.
✅ Yes, I received ₹15,000
❌ Dispute
3
Fully automatic · you do nothing
Owwed handles the entire follow-up
If Rahul doesn't pay, Owwed escalates automatically. Tone gets firmer. Interest gets added. A formal notice is generated. You never send a single message yourself.
Day -2
Friendly reminder
"Just a heads up — due in 2 days"
Day 0
Due date notice
"Payment was due today"
Day 7
Interest added · ₹225 accrued
"As per agreed terms, interest has been added"
Day 21
Formal notice
"This is a formal payment notice"
Day 45
Legal document generated
Demand letter + small claims guide
4
The moment that matters
Money recovered. Relationship intact.
Rahul pays. You mark it done. Both of you get a confirmation. His reliability score updates. Your history is clean. The friendship survived — because you never had to make it personal.
Your dashboard

Everything in one place.
Always up to date.

Track every loan, see interest accruing in real time, manage payment plans, and know exactly where every rupee stands.

owwed.com/dashboard
Good morning,
Arjun Kapoor
Total owed to you
₹42,500
across 5 active loans
Recovered this month
₹18,000
3 loans settled
Interest accrued
₹1,237
across overdue loans
Your score
8.4/10
Trusted payer
Active loans
RK
Rahul Kumar
Overdue 9 days · interest accruing · reminder sent
₹15,562
● Overdue
PM
Priya Mehta
Due in 4 days · reminder scheduled
₹8,000
● Due soon
VS
Vikram Sharma
Payment plan active · ₹5,000/month
₹18,938
● On plan
Reliability scores
VS
Vikram Sharma
8.8
PM
Priya Mehta
6.5
RK
Rahul Kumar
4.2
Recent activity
Sunita paid ₹6,000 · on time
+₹6,000
Reminder sent to Rahul · Day 7
+₹225
Priya confirmed loan receipt
✓
Pricing

You only pay when
you get paid.

No monthly subscription. No upfront cost. We take 1% of what you recover — only when the money actually arrives.

1%
of whatever you recover. That's it. No floors. No caps. No monthly fee. Always proportional — always fair.
₹5,000 recovered
You keep ₹4,950
Owwed fee: ₹50
₹25,000 recovered
You keep ₹24,750
Owwed fee: ₹250
₹1,00,000 recovered
You keep ₹99,000
Owwed fee: ₹1,000
Start free — track your first loan
No subscription
₹0
Never pay a monthly fee. Ever.
Success fee
1%
Only charged when money is recovered
Free to start
1
First loan tracked completely free
How payment works
When you mark a loan as recovered, Owwed sends you a UPI payment link for the 1% fee. One tap on PhonePe or Google Pay. Takes 10 seconds. You've already received the money — this is just sharing the success.
What people say

Real money.
Actually recovered.

★★★★★
"45 days overdue. Owwed sent the interest notice. He paid the next morning. I was genuinely shocked."
RK
Rahul K.
Freelance designer · Pune
★★★★★
"I had been avoiding the conversation for 3 months. Owwed sent the reminder and he paid same day. I felt nothing — no awkwardness, no drama."
PM
Priya M.
Consultant · Mumbai
★★★★★
"The borrower confirmation feature is genius. My client literally cannot claim he forgot. It changed how I run every project now."
AS
Arjun S.
Agency owner · Bangalore
FAQ

Questions people
actually ask.

Will the person who owes me feel accused or embarrassed?
No — this is the most important thing we got right. The messages are written to preserve the relationship. Gentle first, firmer only if needed. Because a neutral system is sending it (not you personally), both parties stay comfortable. Most borrowers actually feel relieved — they get a structured way to pay rather than an awkward personal confrontation.
What if they still don't pay after all the reminders?
Owwed generates a formal demand letter and guides you through filing with Lok Adalat (free people's court in India, handles amounts up to ₹50 lakh). The borrower confirmation from Step 1 becomes your legal evidence. Most people pay well before it gets here — the legal escalation alone changes behaviour.
Can they just ignore Owwed's messages?
They can ignore the messages — but they can't ignore the interest growing, the escalating tone, or the legal notice. The confirmation they signed on day one means there's no disputing the debt. 87% of loans on Owwed recover within 30 days, specifically because the sequence creates credible, escalating pressure without you having to do anything.
Do I need to sign up or create an account?
Not to start. Message us on WhatsApp and we handle everything. Your dashboard at owwed.com syncs automatically with your phone number. No passwords, no forms — just WhatsApp and a browser.
What exactly is the 1% fee and when do I pay it?
Only when a loan is marked as recovered. We send you a UPI payment link for exactly 1% of the recovered amount — no floors, no caps, always proportional. You've already received the money — this is just sharing the success. If you never recover anything, you never pay anything. Your first loan is completely free regardless.
Is my data safe? Who can see my loan details?
Nobody. Your loan details are private to you and the borrower involved. Owwed is registered in Norway under GDPR — European data protection standards apply. We never share, sell, or use your data for anything other than running your loan sequences.

That ₹15,000
isn't going to
chase itself.

Start free. First 3 loans on us. Pay only when you recover.

Track your first loan free

First loan free · WhatsApp only · No app · No subscription