Financial Operations COLLECTION ENGINE // ACTIVE

Automated Invoice Collection & WhatsApp Reminders

Direct payment links with smart WhatsApp dunning that recovers overdue receivables automatically.

Chasing debtors in Nigeria is an awkward, manual chore. Accounts officers waste hours making polite phone calls and sending emails that get ignored. Spike Console pairs payment links with automated, polite WhatsApp dunning sequences that get invoices settled 3x faster.

Run this workflow → Chat on WhatsApp

3x Faster

Average invoice collection time

68%

Reduction in overdue accounts receivable

WhatsApp

Automated reminder delivery channel

2 Sec

Payment reconciliation into ledger

Execution Velocity

Manual drag vs autonomous execution

The Old Manual Drag
  • ×Sending static PDF invoices on email that get buried under 200 daily emails.
  • ×Accounts team manually drafting awkward WhatsApp messages to remind clients to pay.
  • ×Clients making bank transfers and forgetting to notify you, leaving invoices marked "Unpaid".
  • ×Overdue debt aging past 60 days, draining cash flow needed for payroll.
With Spike Autonomous Daemons
  • ✓Invoices include 1-click payment links for Paystack, Flutterwave, and instant bank transfer.
  • ✓Automated polite WhatsApp dunning triggers at 3 days before due date, on due date, and at +3 days.
  • ✓When client transfers funds, the invoice marks itself paid immediately and sends a digital receipt.
  • ✓Debtor aging dashboard highlights high-risk accounts before they impact operational cash flow.
Live Execution Logs

Autonomous event bus telemetry

Demonstration of real daemon log events dispatched by Spike during this workflow.

DAEMON // invoice-collection
0ms PROPAGATION
[10:00:10 WAT] DISPATCH: Invoice #INV-1092 dispatched via WhatsApp to +234803***
[14:20:05 WAT] REMIND: Scheduled T-2 day payment reminder delivered to client
[15:45:12 WAT] PAYMENT: Paystack checkout completed [₦1,250,000] via Card
[15:45:14 WAT] RECON: Invoice #INV-1092 marked PAID; Receipt dispatched
Execution Cadence

Step-by-step operational timeline

Step 1

Digital Invoice Issued

Invoice generated with dynamic payment link and dispatched via email and WhatsApp.

Step 2

Automated Cadence Follow-Up

If unpaid at 48 hours before due date, an encrypted WhatsApp reminder notifies the client CFO.

Step 3

Instant Settlement & Receipt

Client transfers funds; invoice auto-clears, ledger updates, and formal VAT receipt dispatches.

Engineered Architecture

Built-in operational safeguards

Frictionless

Embedded 1-Click Payment Checkout

Clients click the link on WhatsApp and pay instantly via debit card, USSD (*737#, *966#), Apple Pay, or bank transfer.

WhatsApp API

Smart WhatsApp Dunning Sequences

Automated, respectful reminder cadences that deliver payment links directly to the client’s WhatsApp with real-time delivery status.

Instant Match

Dynamic Virtual Account per Invoice

Every invoice has a dedicated temporary bank account. The second the client transfers funds, the invoice clears automatically.

Credit Control

Receivables Aging Matrix

Real-time visualization of outstanding receivables categorized by Current, 1-30 Days, 31-60 Days, and 60+ Days.

Unified Stack

Apps orchestrating this workflow

Core

Billing

Invoices, recurring billing & payment links

Accounts

Finance & Ledger

Double-entry trial balance & revenue journals

Dunning

Automation

Automated WhatsApp triggers & cadences

Got Questions?

Frequently asked questions

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Automate this workflow on Spike Console

Activate this operational routine today. Zero setup contracts. Unlimited team seats.

Get Started → Chat on WhatsApp