Collections software for Zambian businesses

You've already done the work.
Now get paid for it.

AR Manager puts your whole debtor book on one screen, tells your team exactly who to chase today, drafts the reminder, and logs every promise — so no invoice goes quiet and nothing lives in anyone's head.

Book a 20-minute demo on WhatsApp See how it works
Bring your debtors Excel — it'll be live in AR Manager before the coffee arrives.

A typical Lusaka debtor book, by days overdue

Anonymised composite
0–30healthy
31–60watch
61–90chase
91–120urgent
121+ daysgoing stale

Money past 90 days rarely comes back on its own. At one Lusaka firm, over ZMW 6 million sat in the 121+ bucket — not because clients refused to pay, but because nobody was systematically chasing.

The real problem

Your invoices aren't unpaid. They're unchased.

0 logged

At a firm we audited, 123 invoices past 30 days overdue had no recorded follow-up at all. The collections log was blank.

In heads

Who promised what, and when? It lives in one person's memory — until they're on leave, or they leave.

No system

Reminders go out when someone remembers. Clients learn who chases and who doesn't — and pay the chasers first.

How it works

A daily collections routine your team actually follows

Open the Action Centre each morning, work top to bottom, done. Every account is either contacted-and-scheduled or escalated — nothing sits silently aging.

Import your book

Upload your debtors Excel. Clients, invoices and amounts paid load in minutes — no retyping.

See who to chase

The Action Centre ranks every account by risk: broken promises first, then overdue follow-ups, then stale balances.

Send & log in one tap

Reminders are pre-written for each stage — friendly, firm, demand, final — and sent via WhatsApp or email. Every contact is logged automatically.

Watch cash land

Receipts (EFT, Airtel Money, MTN MoMo, cheque, WHT certificates) settle the oldest invoice first. Statements and partner reports generate themselves.

"How much is owed to you right now, past 60 days?" Most owners can't answer. That gap is the most expensive thing in the business — and it's invisible until you put the whole book on one screen.

Built by Mintbyte Solutions from real accounts-receivable operations at a Lusaka professional firm.
Ledger managedZMW 13M+
Onboarding time~5 min
Works onAny phone
Pricing

Less than a tenth of a credit clerk's salary

A part-time credit controller costs K4,000–8,000 a month. AR Manager gives every operator you already have a clear daily worklist instead.

Starter

K750 /month
  • 1 admin + 1 operator
  • Full Action Centre & dunning ladder
  • Statements, weekly & monthly reports
  • Excel import & backups
Start a 14-day pilot

Team

K1,500 /month
  • Up to 5 team members
  • Everything in Starter
  • Priority WhatsApp support
  • Onboarding done with you
Start a 14-day pilot

Firm

K3,000 /month
  • Up to 12 team members
  • Everything in Team
  • Monthly AR review call
  • Collections process consulting
Talk to us

14-day pilot with your real data, no card needed. Month-to-month — no lock-in, and your data is exportable any time. Additional seats K250/month.

Fair questions

Asked by every managing partner so far

"We already track this in Excel."

Excel shows balances. It doesn't tell anyone who to chase today, doesn't draft the reminder, doesn't record the phone call, and doesn't flag the broken promise. The firms with the worst aged debt all have an Excel file — that's exactly the point. Bring yours to the demo: it imports in minutes, so you lose nothing you've built.

"Doesn't ZRA Smart Invoice handle this?"

Smart Invoice issues invoices. AR Manager collects them. We sit after invoicing — tracking what's owed, chasing it, recording WHT certificates against the right fee note, and reporting to partners. There's even a Smart Invoice number field on every invoice so the two stay reconciled.

"What if we stop using it?"

Export everything, any time, in one tap — clients, invoices, receipts, contact history. It's your data and your client relationships. We earn the subscription monthly or you walk away with the lot.

See your own debtor book in AR Manager

Twenty minutes. Bring your Excel. You'll leave knowing exactly how much is past 90 days and who gets chased tomorrow morning.

Book the demo on WhatsApp