Invoices, payment requests and reminders, over WhatsApp. Whoever owes you needs no app and no account.
Not financing: the terms are yours, payment runs through a licensed gateway, and AjelPay never lends or holds your money.
Illustrative statement — not a customer record
Opening balance
43,493.00
| Date | Reference | Entry | Amount | Balance | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Apr 2026 | INV-2026-1147 | Invoice issued | 43,493.00 | 43,493.00 | |||||||||||||||
Every invoice carries what it must.Amount, VAT, reference and due date sit on the document itself. Nothing about the obligation is left to interpretation. Three ways to raise one: a quick request, an itemised invoice like this, or a document you already have. Discounts are per line, and VAT is calculated under Saudi rules — never typed by hand. Sadeem Food Supply Tax invoice · INV-2026-1147
Subtotal 37,820.00 VAT 15% 5,673.00 Total due 43,493.00
| |||||||||||||||||||
| 9 Apr 2026 | REQ-1147 | Payment request sent over WhatsApp | 43,493.00 | ||||||||||||||||
It arrives where the conversation already is.It goes out from your own WhatsApp number. They open a link and choose. When it is paid, the confirmation comes back the same way, as a PDF.
Rukn Al Diyafa Cafés WhatsApp Sadeem Food Supply — payment request Delivered · read 9 Apr 2026, 11:04 | |||||||||||||||||||
| 9 Apr 2026 | TRM-1147 | Terms authorised — pay in full, or split in 3 | 43,493.00 | ||||||||||||||||
They never see a term you did not authorise.Switch on the terms you are willing to offer. The payment link renders exactly those and nothing else — no lender in the middle, putting terms in front of your vendor on your behalf. A split runs 2 to 4 parts — never more. Whatever this list shows is the payer’s entire menu. What you authorised On invoice INV-2026-1147
Whichever they choose, you are owed 43,493.00. At least one option has to stay on — otherwise there is nothing to send. They see two options, and no others exist. What they see The payment link, live Sadeem Food Supply VAT registration 311204885600003 CR 1010488213 Signed in as Rukn Al Diyafa Cafés +966 55 214 8870 All invoices Amount due 43,493.00 Includes VAT 15% 5,673.00 Choose your terms How would you like to pay? Secured by AjelPay · card details never touch the supplier Payment executes at a licensed gateway. Card details never reach AjelPay. | |||||||||||||||||||
| 12 Apr 2026 | PRP-1147-A | Vendor requested different terms — split in 4 | 43,493.00 | ||||||||||||||||
And when they ask for something else, you answer.A vendor can ask for a longer split or a later date. It arrives as a request, not as a change: nothing moves until you approve it, edit it or turn it down. Asking Rukn Al Diyafa Cafés 81% on-time19 invoices11 months KYB verified CR 4030551902
Asking for terms requires a verified business. Paying in full never does. | |||||||||||||||||||
| 12 Apr 2026 | SCH-1147 | Request approved as edited — 3 instalments, 30 / 60 / 90 days | 43,493.00 | ||||||||||||||||
| 9 May 2026 | PMT-1147-1 | Instalment 1 of 3 received | −14,497.67 | 28,995.33 | |||||||||||||||
| 1 Jun 2026 | REM-1147-2 | Reminder sent · 7 days before instalment 2 | 28,995.33 | ||||||||||||||||
| 8 Jun 2026 | PMT-1147-2 | Instalment 2 of 3 received | −14,497.67 | 14,497.66 | |||||||||||||||
| 22 Jun 2026 | PRP-1147-B | Vendor requested 14 more days on instalment 3 — declined | 14,497.66 | ||||||||||||||||
| 11 Jul 2026 | ESC-1147-3 | Instalment 3 is 3 days late · escalation sent | 14,497.66 | ||||||||||||||||
Late is a fact, not an accusation.A reminder goes out before every instalment. When one passes unpaid the escalation runs on its own, stating what is owed and what happens next — never blame, never a countdown.
You set the cadence, and nothing sends inside Saudi quiet hours. | |||||||||||||||||||
| 13 Jul 2026 | PMT-1147-3 | Instalment 3 of 3 received | −14,497.66 | 0.00 | |||||||||||||||
Closing balance
0.00
Collected in full.
13 Jul 2026 — 95 days from issue. Three automated messages. No phone calls.
Book a demoThat is one receivable, from issue to zero. What follows is everything standing around it.
Your logo and your colours carry the invoice and the payment page. On those two surfaces our own lime is not rationed — it is absent. Change either colour below: the payer’s page repaints as you pick, and the ink on it is measured rather than chosen.
Any colour — the masthead prints white ink on it.
Fills the pay button — the one loud element a payer sees.
Nothing here is saved. The page repaints in your browser, and the preview returns to the supplier’s own values when you leave.
Everything else stays the same document — the same hairlines, the same figures, the same six statuses. Whatever you send us, it is one document in a different hand.
Amount due
14,497.67
Arabica green coffee — Ethiopia Guji 17,480.00
Fresh full-cream milk, 1 L 5,520.00
Fresh whole chicken, chilled 8,100.00
Paper cups and lids, 8 oz 6,720.00
VAT 15% 5,673.00
Invoice total 43,493.00
Split in 3 9 May · 8 Jun · 8 Jul 3 × 14,497.67
Payment executes at a licensed gateway. Card details never reach AjelPay.
| Slot | Your colour | Ink | Measured |
|---|---|---|---|
| Masthead | #0F5132 #0F5132 | white | 9.36:1 |
| Pay button | #E8C547 #E8C547 | near-black | 10.75:1 |
Contrast is measured, not assumed — nothing ships below 4.5:1
Every invoice you have out, aged into buckets that reconcile — on the screen your collections team actually opens.
Illustrative book — not a customer record
Total collected
1,284,600.00
12.4% Confirmed gateway payments
Outstanding
1,482,300.00
3.1% 84 issued requests
Overdue
318,200.00
8.0% 7 vendors and 4 customers past due
Average days to pay
18
9 days Issue date to paid date
Aging
Outstanding by days past due
CSV export · daily collection summary · collection reports
Who pays Vendors Registered businesses
You deliver on account and collect on terms. Food suppliers selling to restaurants and cafés is where AjelPay starts — where the WhatsApp thread is already the whole relationship.
Who pays Customers Individuals
You invoice a person, not a company. They pay in full as a guest with nothing to sign up for — or confirm their mobile and ask you for a split, which you approve or refuse.
Verification
| Who | What proves them | What it unlocks |
|---|---|---|
| A guest | Nothing at all | Paying in full |
| An individual Verified | A code to their mobile | Asking for terms |
| A business Verified | Commercial registration | Asking for terms — once, then everywhere on AjelPay |
Connect AjelPay to your own systems and hear about every payment the moment it clears — no polling, no reconciliation runs.
What arrives when it clears
POST https://your-system.example/hooks/ajelpayX-AjelPay-Signature: t=1778668200,v1=4f2e9c…{ "id": "evt_5f31c2", "type": "payment.succeeded", "createdAt": "2026-05-09T11:30:00Z", "data": { "paymentId": "pay_1147_1", "invoiceId": "INV-2026-1147", "amountMinor": 1449767, "currency": "SAR" }}Instalment 1 of INV-2026-1147, the moment it settled — the same ledger entry you read above, as your system receives it. Money in minor units, signed and replay-protected.
And it does not stop at the PDF — it follows the obligation down to zero and reports how collection is actually performing.
Where the money goes
AjelPay
Issues the request, records the schedule, reports the outcome.
Holds of yours —
The heavy rule is the money. AjelPay hangs off it on a hairline — instructions travel there, funds never do.
The questions a careful reader asks before booking anything — answered the way the rest of this page answers: as facts.
No. They open a secure link in WhatsApp and pay on a page in your name. Paying in full works as a guest; only asking for flexible terms requires confirming who they are.
No. AjelPay never funds an invoice, never lends, and never takes credit risk. Every instalment is your own decision on your own receivable.
Never with AjelPay. Payment executes at a licensed payment gateway and settles to you; card details never touch AjelPay.
You do. A split runs 2 to 4 parts and an extension is a new date — you approve, edit or decline each request, and every decision is recorded.
The escalation you read above: a reminder before the due date, on it, and after it — automated, inside Saudi quiet hours, with no phone calls.
Yes — a REST API with separate test and live environments, and signed webhooks that tell your system the moment a payment clears.
Book a demo and walk a real statement of yours through it, end to end.
Your details are used to arrange the demo. Nothing is sent to the people who owe you.