AI collections for B2B · Made for Indian businesses
Get paid on time — without spending your day on payment follow-up calls.
Tagaada takes your outstanding invoices from Tally, Zoho Books or Excel, then follows up with each customer on WhatsApp and email — politely and firmly, with a payment link — until the invoice is settled.
Free while we grow. No card required. Want us to set it up with you? Leave your details.
The law is on your side. Your follow-up process isn’t.
45 days, by law
Under Section 15 of the MSMED Act, 2006, a buyer must pay a registered micro or small supplier within the agreed period, which cannot exceed 45 days from acceptance.
3× the RBI bank rate
Section 16 makes the buyer liable for compound interest, with monthly rests, at three times the RBI bank rate on anything paid late.
Tax pressure on buyers
Since FY 2023-24, Section 43B(h) of the Income-tax Act lets buyers claim the expense only in the year they actually pay a late MSE invoice — a reason your customers should want to pay you on time.
But a rule only helps if someone follows up. Most owners still do it themselves: scrolling the ageing report, calling, sending WhatsApp messages one at a time, and forgetting who promised to pay when. Read the 45-day rule guide →
How it works
Bring in your invoices
Upload the outstanding report from Tally Prime, Zoho Books or any Excel sheet. Columns are matched automatically. Automatic Tally and Zoho sync is in development.
Prioritise who to chase
Each customer gets a risk score from amount, age, payment history and promises kept, so you start with the invoices that matter.
Follow up on time
Courteous reminders before the due date, firmer ones after — on WhatsApp and email, inside working hours. You approve each one, or let them go automatically.
Capture the answer
AI reads replies and suggests the promise-to-pay date, dispute or payment claim. Disputes and replies in Hindi or Hinglish always go to a person.
Get paid and reconcile
Each reminder can carry a Razorpay link or a UPI QR to your own UPI ID. Upload your bank statement and Tagaada suggests which customer each credit came from, spotting TDS short-payments; you confirm with one click.
A follow-up sequence that sounds like you, on a good day
Every message is drafted from templates you approve, personalised with the invoice details, and written in the customer’s language. Tone escalates gradually and never crosses into threats or harassment.
Example sequence for a 30-day credit invoice. You can change every step.
- 3 days before due — WhatsApp: friendly heads-up with the amount and a payment link
- On due date — Email: invoice summary and payment options
- 7 days overdue — WhatsApp: polite reminder, asks for an expected payment date
- 15 days overdue — Email: second reminder with the open bills
- 30 days overdue — Email: firm reminder citing MSMED Act interest, if you are a registered micro or small enterprise
- 45 days overdue — Final notice, then the customer is flagged to you to call
Built for how Indian B2B actually works
WhatsApp first
Your customers already read WhatsApp before email. Reminders use Meta-approved templates from your own business number.
Voice in Hindi and English Coming soon
An AI voice agent will make the call you keep postponing, confirm the invoice, and ask for a date. Every call will be recorded and summarised.
Email from your own mailbox
Reminders go from your own Google Workspace, Microsoft 365 or SMTP mailbox, so customers see a name they know.
Starts from Tally
Reads the bill-wise outstanding report you already keep in Tally Prime. No new process for your accountant. Automatic sync is in development.
Part-payments and many bills
Handles part-payments and many open bills per customer, summarised in one message instead of one reminder per bill.
Bank receipts matched
Upload the statement from HDFC, ICICI, SBI, Axis or any bank. NEFT, RTGS, UPI and IMPS credits are matched to customers and bills by name and exact amount, with TDS gaps flagged.
MSME Samadhaan pack
For registered micro and small suppliers: every late invoice with its 45-day due date, days late and Section 16 interest, ready to download for a Samadhaan filing.
Morning summary
One message every morning by email or WhatsApp: what came in, who promised to pay, what is disputed, and who to call today.
Responsible by design
- Respectful tone modelled on RBI’s fair-practice guidance for recovery — no threats, no abusive language, no calls at odd hours
- Messages only inside working hours (default 9 am – 6 pm), on working days, with a cap per customer
- Opt-out honoured on every channel
- Your data is used only for your collections; download it any time, deleted on request
- WhatsApp reminders use Meta-approved templates from your own number
- Complete audit log of every message, reply, payment and status change
Free tools you can use today
MSME interest calculator
Work out the compound interest a buyer owes you under Section 16 of the MSMED Act.
DSO calculator
Measure how many days it takes you to get paid, and how much cash a faster cycle releases.
Reminder generator
Write a polite payment reminder for WhatsApp or email in English, Hindi or Hinglish.
Questions
Which accounting software does it work with?
Today you upload an export: Tally Prime’s Bills Receivable report (XML or Excel), a Zoho Books receivables report, or any Excel or CSV ageing report from Busy, Marg, Vyapar or your own sheet. Automatic sync with Tally Prime and Zoho Books is in development; QuickBooks Online and Xero are planned.
Will my customers feel harassed?
No. Every sequence starts with a courteous reminder before the due date, respects quiet hours and your customer’s preferred language, and stops automatically the moment a payment, a promise-to-pay date or a dispute is recorded. You approve the tone and every template before anything goes out.
Which languages are supported?
English today. Hindi and Hinglish templates are included as drafts while native speakers check them, so read them before you use them. Tamil, Telugu, Marathi, Gujarati, Kannada and Bengali are planned, and each will ship only after review by native speakers.
Do messages come from my number and email?
Yes. WhatsApp messages are sent from your own WhatsApp Business number using templates approved by Meta, or you can send each one yourself from your phone in one tap. Email goes from your own mailbox (Google Workspace, Microsoft 365 or any SMTP server), never from a look-alike domain.
What happens when a customer disputes an invoice?
The reply goes to your Inbox with the customer’s message and the AI’s reading. A person on your team confirms it, and follow-ups on that invoice pause until the dispute is resolved.
Is my data safe?
Your ledger data is used only to collect your receivables. Every message, reply, payment and setting change is logged, you can download all your data at any time, and we delete it on request.
Want help getting started?
You can sign up yourself in two minutes. If you would rather we set it up with you on a call, tell us a little about your receivables.