Get paid on time.
Automatically.
Collectay is the AI cashflow operating system for Indian MSMEs, agencies and professionals. It tracks every invoice, reminds your customers on WhatsApp, SMS and email, and tells you where your cash is headed.
12 invoices
this month
Good
Late payments quietly choke Indian businesses
You do the work, send the invoice and then spend hours chasing money. Cash gets stuck, planning becomes guesswork and relationships get awkward.
Chasing is manual
Calls, WhatsApp messages and Excel sheets eat hours every week, and follow-ups still get missed.
No clear cash picture
You find out about a cash crunch only when it has already happened. Nothing warns you early.
Awkward conversations
Asking customers for money feels uncomfortable, so it gets delayed, and delay becomes a habit.
Why we call it an AI Cashflow Operating System
Most tools only record invoices. Collectay runs the whole loop around your money: it chases payments for you, predicts what will happen next, and explains your numbers in plain language.
Like an operating system, it sits underneath your daily work and coordinates everything: customers, invoices, communication and insights in one place, so you do not stitch together five apps.
See what it can doFrom invoice to payment in four simple steps
No training needed. If you can send a WhatsApp message, you can run Collectay.
Add your invoices
Create an invoice or import your existing data from a spreadsheet in a few clicks.
Pick a reminder journey
Choose a ready-made journey, gentle or firm, or fine-tune your own on a simple day-line.
Collectay follows up
Customers get polite reminders on their preferred channel, at sensible business hours.
You see the cash come in
Track payments, health score and AI insights on one clean dashboard.
Everything you need to collect faster
Built for how Indian businesses actually work: WhatsApp first, multilingual and simple.
Invoices and customersLive
Create invoices, manage customers, import data and keep every payment record organised.
WhatsApp, SMS and email remindersLive
Send reminders on the channel your customer actually reads, with approved templates and opt-out respect.
Reminder journeysLive
Ready-made and custom workflows that run before, on and after the due date automatically.
AI insights and forecastLive
Cashflow health score, late-payment risk, customer-wise forecast and plain-language summaries.
Saathi AI assistantLive
Ask "Who owes me the most?" by typing or speaking and get instant answers from your data.
Greetings and wishesLive
Diwali, New Year and more: personalised festival messages and cards in four languages to keep customers warm.
Voice note and image remindersPreview
Add a voice note or a branded image to your WhatsApp reminder for a more personal touch.
Personalised AI avatar videoComing soon
A short AI avatar video that greets the customer by name and explains the pending payment.
AI voice callsComing soon
Natural-sounding calls in the customer's language for follow-ups that need a human feel.
Reminders your customers actually respond to
A polite, personal message in the customer's own language gets far better responses than a cold notice. Collectay writes it, schedules it and keeps the tone respectful.
- Messages in English, Hindi, Marathi and Gujarati
- Sent only during business hours, if you choose
- One-tap payment and "need more time" replies
- Every message logged so nothing is ever disputed
▶Personalised video previewBuilt for every business that sends invoices
If you bill customers and wait to get paid, Collectay is made for you.
MSMEs and traders
Retailers, wholesalers and small manufacturers with many customers on credit.
- Retail
- Wholesale
- Manufacturing
- Hardware
Agencies and studios
Marketing, design and IT agencies with retainers and milestone invoices.
- Marketing
- Design
- IT services
- Consulting
CAs and professionals
Accountants, lawyers and consultants who bill clients every month.
- CAs
- Lawyers
- Advisors
- Clinics
Distributors and suppliers
FMCG, pharma and industrial suppliers managing dealer outstanding.
- FMCG
- Pharma
- Industrial
- Logistics
Founders and D2C brands
Growing businesses that want clean cashflow without hiring a collections team.
- Startups
- D2C
- Exporters
- Events
Freelancers and creators
Independent professionals who are tired of chasing clients for payment.
- Freelancers
- Photographers
- Trainers
- Coaches
Built with Indian rules and your privacy in mind
You stay in control of your data and who you contact.
Secure by design
Encrypted connections, OTP sign-in, hashed passwords and access controls.
Consent aware
Tools to respect WhatsApp opt-in, DLT rules and opt-outs.
Your data is yours
Export everything or delete your account any time from Settings.
Made in India
Designed for Indian businesses, languages, GST and festivals.
Simple plans. Every feature in every plan.
Pick the volume that fits your business. Start with a 14-day free trial, no card needed. Public beta: checkout currently runs in test mode and no real money is charged.
Starter
- 3,000 WhatsApp, SMS and email messages / month
- Up to 500 customers
- 3 team members
- 50 AI voice call minutes*
- 25 personalised AI videos*
- Every feature included
Growth
- 8,000 WhatsApp, SMS and email messages / month
- Up to 2,000 customers
- 10 team members
- 150 AI voice call minutes*
- 100 personalised AI videos*
- Every feature included
Pro
- 20,000 WhatsApp, SMS and email messages / month
- Up to 10,000 customers
- 25 team members
- 400 AI voice call minutes*
- 300 personalised AI videos*
- Every feature included
Scale
- 60,000 WhatsApp, SMS and email messages / month
- Unlimited customers
- 50 team members
- 1,200 AI voice call minutes*
- 1,000 personalised AI videos*
- Every feature included
Every plan includes every feature
Plans differ only in monthly volume. Features marked Preview or Coming soon are being rolled out and appear on your plan automatically when they launch.
Extra messages
Need more in a busy month? Add 1,000 messages for ₹450, AI call minutes at ₹4 and AI videos at ₹25 each.
Enterprise
More than 60,000 messages a month, many branches or a custom setup? Talk to us and we will design a plan.
14-day free trial
Try the platform free for 14 days with up to 100 messages. Upgrade when you are ready.
Prices are in Indian rupees and exclude 18% GST. Annual plans are billed once a year at 10 months of the monthly price. * AI voice calls and personalised AI videos are being rolled out; the allowances apply from the day each feature launches.
Questions, answered
What exactly is Collectay?
Collectay is a web platform that helps businesses track invoices, send automatic payment reminders over WhatsApp, SMS and email, forecast cashflow and get AI insights, all in one place.
Why "AI Cashflow Operating System"?
Because it does more than store invoices. It automates collections, predicts late payments and explains your cashflow, acting as the layer that coordinates your customers, invoices and communication.
Do my customers need to install anything?
No. Customers receive messages on WhatsApp, SMS or email, the apps they already use.
Is it only for large companies?
No. It is designed for small and medium businesses, agencies, professionals and freelancers.
Which features are available today?
Invoices, customers, reminder journeys, WhatsApp/SMS/email reminders, AI insights, the Saathi assistant and greetings are live. Voice notes and image reminders are in preview, while AI avatar videos and AI voice calls are coming soon. Some channels need your provider approvals, such as WhatsApp templates and SMS DLT registration.
Is my data safe?
We use encrypted connections, OTP-based sign-in and access controls. You can export or delete your data at any time. Read our Privacy Policy and Terms of Service.
Ready to get paid faster?
Create your account in minutes, or tell us about your business and we will help you set up.