Invoice & Billing Software

Your client owes you money.
That ends today.

The invoice and billing software that chases unpaid invoices for you. Send in 2 minutes. Chip AI follows up at Day 3, 7, and 14 — in your voice. You just collect.

Start free — no card needed See it in 90 seconds

4,000+ service businesses · Free plan available · From $4.99/mo

2 min

From job done to invoice sent

Auto

Chip collects unpaid — D3, D7, D14

Currencies — NGN, USD, GBP, EUR

Free plan — up to 5 invoices/month

Invoice manager

A professional invoice in 30 seconds — not 30 minutes.

Stop rebuilding the same Google Docs template every time a job ends. startbuddi pulls your logo, colours, and payment terms automatically. Add the line items, hit send. Your client gets a pay link. The money moves.

Your logo and brand colours — looks like you designed it yourself

Line items, discounts, VAT, and custom payment terms

Recurring invoices for retainers — set once, run forever

Paystack (NGN) or Stripe (USD, GBP, EUR) — no plugin needed

"I used to spend 45 minutes on every invoice. Now it's literally 90 seconds. I sent three invoices in one morning and got two paid the same day."

Omolola Akiyode — Tutor, Dubai

Start free

Kofi Mensah – Brand Strategy Invoice #047 · Due 30 Apr

₦68,560

Paid ✓

Adaeze Okafor – Web Redesign Invoice #046 · Due 28 Apr

₦145,000

Overdue

Green Valley – Monthly Retainer Invoice #045 · Auto-recurring

₦80,000

Sent

Chip: Day 7 reminder sent to Adaeze for Invoice #046 — ₦145,000. Day 14 queued. You did nothing.

Chip AI

Collecting your unpaid invoices automatically

Hi Adaeze, just following up on Invoice #046 for ₦145,000 — sent 7 days ago.

No worries if you're busy — you can pay instantly using the link below.

→ pay.startbuddi.com/inv046

Day 3 ✓ Sent Day 7 ✓ Sent Day 14 queued

★★★★★

"I had ₦340,000 sitting in unpaid invoices. Set up Chip, did nothing. Three of them paid within a week."

Chinedu Kalu · Executive Coach, Lagos

Chip AI auto-reminders

The only billing tool that collects unpaid invoices while you sleep.

Every year, service businesses lose thousands to unpaid invoices — not because clients refuse to pay, but because nobody followed up consistently. Chip fixes this permanently. It sends professional, on-brand reminders at Day 3, Day 7, and Day 14. You stay silent. The money comes in.

Collects unpaid invoices automatically — Day 3, Day 7, Day 14

Escalates to a firm final notice if they still don't pay

Review any draft before it sends — or run fully automated

One-click mark as paid for manual bank transfers

Let Chip chase for you

Money overview

Revenue is vanity. Profit is sanity. Now you'll know which one you have.

Most service businesses are cash-flow blind. They know what came in — they have no idea what stayed. startbuddi shows your real numbers: revenue, expenses, outstanding invoices, and net profit, updated live.

Total revenue, outstanding, and net profit — one view, real time

Revenue vs expenses charted by month — spot where margin is leaking

Filter by week, month, quarter, or custom date range

Export CSV for your accountant in one click

Start free

Money overview — this month

Total revenue ₦1,240,000

Outstanding invoices ₦213,560

Total expenses ₦388,000

Net profit ₦852,000

Collection rate 83%

“

My retainer clients pay on the first of every month now. I set it up once in January. The money just arrives.

Oluwaseun ZubairBrand Strategist — Lagos

★★★★★

“startbuddi replaced Wave because I needed the invoice to connect to the booking. Now when a session ends, the invoice is already drafted. It takes me 20 seconds to send it.”

Tiwalade Joanna Okedara-Kalu

CEO, startbuddi · Lagos

★★★★★

“I had no system. Just WhatsApp messages I'd forget to send. Chip sent reminders without me touching anything. I collected money I would have just let go.”

Oyinkansola Opatola

Social Media Manager, startbuddi · Lagos

★★★★★

“The combination of automated billing and invoicing connected to my bookings saved me significant admin time every month.”

Raymond Oluyede

Strategy Consultant · Lagos

Getting started

From invoice sent to cash collected — 4 steps.

Create the invoice

Add your client, services, VAT, discount, and payment terms. Under a minute — even the first time.

Send — client pays instantly

Email it or share a pay link. Cards, bank transfer, USSD via Paystack. Stripe for international. Money moves immediately.

Chip collects unpaid invoices

No payment by Day 3? Chip sends a reminder. Day 7. Day 14. Final notice. No awkward conversations.

Ready to stop chasing and start collecting?

Free plan available — up to 5 invoices/month. Paid from $4.99/mo. No setup fees, Paystack + Stripe built in, cancel anytime.

Start free today See all plans

Questions people ask before they sign up.

Plain answers.

Talk to us

How do I collect unpaid invoices from customers without damaging relationships?

Chip handles it for you. The messages are written in your voice and tone — not a generic payment chase. Clients receive a warm, professional reminder that feels like it came from you. Most pay within 48 hours of the first reminder.

Can I set up recurring invoices for retainer clients?

Yes. Set up a recurring invoice schedule once — weekly, monthly, quarterly — and it generates and sends automatically. Never touch a retainer invoice again.

Does it support Naira payments — Paystack, bank transfer, USSD?

Yes. Paystack is natively integrated for NGN payments including card, bank transfer, and USSD. Stripe supports international payments. Both active simultaneously.

How is this different from FreshBooks, Wave, or Google Docs?

FreshBooks and Wave are general accounting tools. startbuddi invoicing is connected to your bookings, CRM, and Chip AI — so invoices are generated from work already in your workspace. No re-keying.

Can I track expenses and see my real profit?

Yes. Log expenses, upload receipts, categorise costs. See net profit per month, per client, or per project. Export for your accountant anytime.

Is there a free plan?

Yes. Up to 5 invoices per month, full invoice templates, Paystack + Stripe, and Chip AI reminders on free. Unlimited invoices and recurring billing require a paid plan from $4.99/mo.