Settl
🚀 Now available for Indian SMBs

Stop chasing payments.
Start collecting automatically.

Settl sends AI-powered WhatsApp reminders to your customers — detecting intent, handling extension requests, and auto-replying — so you can focus on your business.

  • No credit card required
  • Setup in under 5 minutes
  • Cancel anytime
S

Sharma Electricals

Business Account ✓

Sharma Electricals

Hi Priya! 👋 Friendly reminder: Invoice #1042 of ₹12,500 is due on 15 Dec.
Pay via: bit.ly/sharma-pay

10:30 AM ✓✓

I need 3 more days please 🙏

10:45 AM ✓

Sharma Electricals

✅ Extension request received! We'll review and confirm within 24 hrs. You'll get a WhatsApp update.

10:45 AM ✓✓

⚡ AI replied instantlyvia Settl

Measurable Impact

Numbers that move your cash flow

70%

Fewer manual follow-ups

AI handles extension requests and routine replies, so you stop chasing customers by phone.

<2 min

Average AI reply time

Intent detection kicks in the moment a customer replies — no waiting on a human to notice.

24/7

Always-on coverage

Reminders go out and queries get answered even outside business hours.

0

Due dates missed

Every invoice is scheduled automatically — nothing slips through a spreadsheet gap.

Why Settl

Why should you use Settl?

There's no shortage of ways to chase a payment. Here's why 500+ Indian businesses picked Settl over spreadsheets, phone calls, and generic CRM tools.

Built for Indian SMBs

GST-ready invoicing context, UPI payment links, and native Tally sync — designed around how Indian businesses actually collect payments.

WhatsApp-first, not email

Reminders land where your customers already spend their day. WhatsApp messages get read in minutes, not buried in a spam folder.

AI that never sleeps

Every reply is classified and actioned instantly — extension requests, payment queries, disputes — even at 2 a.m. on a Sunday.

Your money, your account

Settl never touches a rupee. Every UPI link pays directly into your own account — we're a messaging tool, not a payment processor.

Live in minutes

Import customers via CSV, JSON, or a one-click Tally TDL sync. No developer, no onboarding call required to get your first reminder out.

You stay in control of your data

You remain the data fiduciary for every customer record. We process it only to send the reminders you configure — nothing more.

Everything You Need

Collections on autopilot

From automated reminders to AI-powered intent detection — Settl handles the full collections workflow so you never have to chase a payment again.

Automated Reminder Engine

Schedule reminders at T-3, T-0, T+1, T+3, and T+7 days around due dates. Your customers get timely nudges — you get paid faster.

5 touchpoints

AI Intent Detection

When customers reply, our AI classifies intent — extension request, payment link query, general question — and responds automatically.

3 intents auto-classified

Smart Extension Handling

Auto-approve or manually review extension requests. Set extension limits based on amount, history, and customer behavior.

24 hr review turnaround

Easy Data Import

Bring your customers in via CSV, JSON, or direct Tally integration. Get started in minutes, not days.

3 import formats

Real-time Delivery Tracking

See sent, delivered, read, and failed status for every reminder. Retry failed sends automatically with built-in retry logic.

4 status states tracked

Native Tally TDL Integration

Install a lightweight TDL script directly inside Tally and your customer data syncs to Settl automatically.

1-click sync

Simple Setup

Up and running in 5 minutes

No complex integrations, no developer required. Three steps and you're collecting automatically.

01

Connect your WhatsApp Business account

Use our guided Embedded Signup flow to connect your WhatsApp Business number in under 2 minutes. No technical skills required.

2 min setup
02

Import your customers & invoices

Upload a CSV, paste JSON, or sync directly from Tally. Settl maps your data automatically and you're ready to go.

3 import formats
03

Watch your collections improve

Reminders go out on your configured schedule. AI handles replies. You get notified only for things that need your attention.

40% better collections

Tangible Outcomes

Real results, whoever you are

Settl changes the day-to-day for everyone involved in getting paid.

Business Owners

40%

Better collections

Owners see collections improve within the first 3 months of switching from manual calls to automated reminders.

Finance Teams

5 hrs/wk

Time saved

Less time spent reconciling spreadsheets and chasing customers — the AI handles routine replies for you.

Customers

90%

Prefer WhatsApp reminders

Customers respond better to a polite WhatsApp nudge than a phone call — it doesn't feel like a collections call.

Before & After

What changes when you switch to Settl

Based on businesses moving from manual phone follow-ups to automated WhatsApp reminders.

-94%

Manual follow-up calls / month

Before

80+

With Settl

~5

-60%

Average days to collect (DSO)

Before

45 days

With Settl

18 days

+40 pts

Reminders sent on schedule

Before

~60%

With Settl

100%

10,000+

Reminders sent monthly

95%

Message delivery rate

3×

Faster collections

500+

Businesses onboarded

Trusted by businesses across India

“Before Settl, I was manually calling 80+ customers every month. Now reminders go out automatically and I only step in when someone asks for an extension. Collections improved by 40%.”

RS

Ravi Sharma

Owner, Sharma Electricals, Jaipur

“The Tally integration saved us hours of data entry. Our customers actually appreciate the polite WhatsApp reminders — it doesn't feel aggressive like phone calls did.”

MP

Meena Patel

Finance Manager, Patel Trading Co., Surat

“The AI auto-reply is a game changer. When a customer asks for their payment link, it sends it immediately — even at midnight. No delays, no missed follow-ups.”

AN

Arjun Nair

Director, Nair Distributors, Kochi

Transparent Pricing

Start free, scale as you grow

No hidden fees. Cancel anytime. Designed for Indian SMBs.

Starter
Free/forever

Perfect for small businesses just getting started with automated reminders.

  • Up to 50 active customers
  • 200 WhatsApp reminders/month
  • Default reminder cadence (T-3, T-0, T+1, T+3)
  • CSV import
  • Basic delivery tracking
  • Email support
GrowthMost Popular
₹999/per month

For growing businesses that need more customers and smarter automation.

  • Up to 500 active customers
  • 2,000 WhatsApp reminders/month
  • Custom reminder cadence
  • AI intent detection (extension, payment link, queries)
  • Auto-reply for common requests
  • CSV, JSON & Tally import
  • Extension request management
  • Multi-language messages (EN, HI, TA, BN)
  • Priority email support
Pro
₹2,499/per month

For established businesses with large customer bases and high volumes.

  • Unlimited active customers
  • Unlimited reminders
  • Everything in Growth
  • Advanced extension logic
  • Payment history-based extension limits
  • Churn risk scoring
  • Dedicated WhatsApp number
  • Custom WA message templates
  • Webhook & API access
  • Dedicated account manager
  • SLA-backed support
See full pricing details

₹2 Cr+

Recovered through Settl every month

18

Indian states reached

6

Industries served

99.9%

Platform uptime

Ready to automate your collections?

Join 500+ Indian businesses already using Settl. Start free — no credit card, no developer, no hassle.