Freelancers: stop chasing clients for payment. Employers: stop forgetting who you owe. Kavio automates both — so money moves on time, every time.
Used by freelancers and businesses across Nigeria 🇳🇬
Target collection speed for freelancer invoices
What employers using Kavio's reminder system report
Built for both the person sending the invoice and the person paying it
Create invoices, send automatic WhatsApp and email reminders, and let AI verify bank transfer receipts — so you never have to chase a client again.
Managing 5, 10, or 30 contractors? Add them once and Kavio reminds you automatically before every payment is due — so nobody waits, nobody chases, and your reputation stays intact.
Kavio takes the awkwardness out of getting paid. We act as your sidekick, handling late payments politely and persistently.
Reminders are delivered directly to your client's WhatsApp chat window. Kavio writes polite, contextual reminders using client details so payments are made without delays.
If WhatsApp isn't preferred, Kavio schedules beautiful, clean billing notifications containing direct links. The email copy is structured as a helpful check-in to preserve client goodwill.
Configure nudges to trigger automatically 3 days before the due date, on the due date, and every 48 hours afterward until the balance is resolved.
Add all your contractors in one place — names, roles, agreed amounts, and payment dates. Never lose track of who you owe.
Kavio reminds you before each payment is due, not after. You get notified in advance so payments go out on time.
Every payment logged, every confirmation recorded. Full history of what was paid, when, and to whom.
Send payments directly from your OPay wallet with one tap. Kavio pre-fills contractor account details automatically.
Active Now
Hi Chioma, hope you're having a great week!
Just a friendly note that invoice INV-2026-002 for Flutterwave Inc. is due tomorrow.
You can complete payment instantly via bank transfer or card using this secure link:
https://kavio.finance/pay/invoice-inv-2026-002Hi Tunde, quick reminder!
Payment for David O. (Frontend Dev) is due in 3 days.
Amount: ₦450,000
Tap below to pay via OPay or mark as paid if already completed:
Kavio monitors due dates and handles all the communication and verification automatically. See how the magic happens.
You send an invoice to the client and set the due date.
Kavio sends polite WhatsApp/Email reminders before and after the due date.
Client pays and uploads the bank transfer receipt.
Kavio's AI verifies the receipt matches the invoice amount.
Invoice marked as paid and reminders are stopped.
Employer adds contractor name, role, amount owed, and due date.
Automatic reminder scheduled 3 days before due date.
WhatsApp/email alert: "Payment to [Contractor] is due in 3 days."
Employer pays via bank transfer or OPay with pre-filled details.
Contractor uploads receipt, Kavio verifies and closes the record.
"You hired 8 freelancers last month. Remembered to pay 6 of them on time. The other 2 are now avoiding your next project brief."
"Your contractor sent their invoice 3 weeks ago. You meant to pay it. You forgot. Now it's awkward."
"You're running 4 projects simultaneously. Tracking who's owed what in a WhatsApp group and a spreadsheet. One of those numbers is wrong."
Kavio fixes this — before the awkwardness happens.
Set Up Employer Account →Get paid faster with automated reminders and AI receipt verification
Start Free as FreelancerNever miss a contractor payment with automated reminders and a full payment dashboard
Start Free as EmployerFree to start. No CAC or bank integration required.