Loading…
Founding cohort of 10 · built in Nairobi
Stop chasing late invoices.Reminders you approve first.
- Drafts each follow-up in your tone, and waits for your approval.
- Stops when a customer replies, pays or promises a date.
- Pause any customer you have already spoken to.
- Works with Xero and QuickBooks Online (beta).
14-day trial · no credit card · 10-minute setup · cancel anytime
First 10 founding customers take 40% off for 12 months, with founder-assisted setup.
A/R agingDemo data
Outstanding A/R
$184,250
↑ 23% vs last month
| Customer | Age | Amount |
|---|---|---|
Acme Corp | 1-304d | $24,500 |
Design Studio LLC | 1-3012d | $8,200 |
Consulting Group | 31-6038d | $42,000 |
Tech Partners Inc | 61-9067d | $15,750 |
Global Services Ltd | 90+95d | $93,800 |
Auto-collected
Consulting Group, 12 min ago
$2,840
Your own numbers appear the moment your books are connected.
Works withXeroQuickBooks Online (beta)Paystack
Working today
Connected to your books and to the money.
Xero sync, AI dunning over email and SMS with approval before sending, AR aging, customer risk scoring, DSO tracking, Paystack payments and a 4-week cash forecast. QuickBooks is in beta.
The actual product
Every number you need, ranked by what to do about it
Outstanding, overdue, DSO, collected this month and a 30-day forecast. Then the part that matters: which invoice to chase first and why.
app.mugavi.comSample data
app.mugavi.comSample data
Replies come back classified
"We paid this already", "we need a PO", "it goes out Friday", each one read, tagged and answered with a next step, instead of landing in your inbox as one more thing to triage.
app.mugavi.comSample data
Four weeks of cash, before it lands
Built from real due dates and how each customer has actually paid you, not from a straight line drawn through last quarter.
How we sell
No invented case studies. No fake metrics. Every number on this site is one you can check, and every integration named is one you can connect today.
SOC 2 Type II preparation in progress Global payment rails 10-minute setup
How it works
Understands the conversation, not just the invoice.
Mugavi pauses when customers reply, tracks promises, separates disputes from cash flow problems, and tells you why each dollar is expected.
- 1
Connect your books
Connect Xero in a couple of clicks and Mugavi reads your invoices, customers and payment history. Paystack covers NG/GH/KE/ZA; QuickBooks is in beta.
- 2
Set the tone
Pick how firm Mugavi should be (friendly, firm, final) when to escalate, and which invoices to leave alone entirely. You set the boundary; Mugavi stays inside it.
- 3
Get paid
Customers pay through a branded portal. Cash auto-matches to invoices. You see the 4-week cash-flow forecast in real time instead of asking who paid in every team meeting.
Automation shouldn't surprise your customers, or you.
The usual complaint about automatic invoice reminders is that they go out when you didn't expect them, to someone you had already spoken to. These are the controls that prevent that.
You approve every reminder
Mugavi drafts each message and holds it. Edit the wording, approve it, or skip it. You can switch an account to automatic sending yourself, any time, and back again.
Pause any customer
Spoken to them, or agreed a plan? Pause automatic reminders until a date you choose, or until you resume. Pausing also discards any drafts already waiting.
Stops when they answer
When a customer replies, reminders for that invoice wait until you have read it and marked it handled. A promised payment date or an open dispute pauses them too.
Sent under your business name
Reminders arrive as "Your Business via Mugavi", or from your own address once you verify your domain. Every send is logged, and you can limit sending to your business hours.
Consent is never overridden
An unsubscribe or a bounced address stops reminders for good, and approving a message does not change that. Texts go only to people who have opted in.
Replies to a reminder come back through Mugavi, so they can be read and can pause the reminders for that invoice. Sending from your own domain needs you to add a few DNS records first.
Features
The parts that actually save you time.
Designed for 5–30 person agencies and consultancies on Xero. Priced for the long tail.
Reminders that don't sound like a robot
AI drafts tone-aware email and SMS reminders in your voice. You edit, approve or skip each one before it goes out, and reminders pause on a reply, a payment or a promised date.
A single branded link to get paid
Customers see every outstanding invoice in one portal and settle with their preferred method: ACH, card, wire, or local rails.
Know if you can make payroll
Four-week cash forecast based on invoice age, customer payment history, and promised pay dates. See exactly when dollars are expected to land.
See who owes what, right now
Live buckets: current, 1-30, 31-60, 61-90, 90+. Drill into any customer without opening QuickBooks or Xero.
Paid means the reminders stop
When an invoice is paid in Xero or QuickBooks, Mugavi sees it on the next sync and stops chasing it. Payments made through Paystack are recorded against the invoice automatically.
Every major currency, one dashboard
USD, GBP, AUD, CAD, EUR, KES, NGN and more, with local payment methods per region.
Try it now
See exactly what we'd send your customer.
No signup. No data stored. Pick a tone, pick a channel, click generate. You'll see a sample message in our three voices. The production composer (in the dashboard) generates real, customer-specific copy with Gemini, then lets you edit before sending. This demo shows the structure and tone only, with placeholder names.
Sample reminder
Pick a tone. See a sample message. No signup, no tracking.
Email preview
How we compare
Built for the SMB long tail. Not the enterprise.
Chaser starts at ~$259/mo. BILL charges per user plus transaction fees. Melio is free but AP-first. Mugavi is the only AR-native tool built for small B2B services at a flat, transparent price.
AI dunning (tone-aware, multi-channel)
Mugavi
Chaser
BILLReminders
MelioPayment links
QuickBooks ARAI-drafted, you review (beta)
FreshBooksBasic
Public starting price
Mugavi$79/mo
Chaser~$259/mo
BILL$49/user/mo
Melio$0/mo (1 user)
QuickBooks AR$38/mo list
FreshBooks$23/mo list
Per-invoice / hidden fees
MugaviNone
ChaserNone
BILLYes (transactions)
MelioACH/card fees
QuickBooks ARPayment processing fees
FreshBooksNot on pricing page
Time to set up
MugaviSelf-serve, no demo call
ChaserA few hours (reviewer-reported)
BILLNot published
MelioNot published
QuickBooks ARNot published
FreshBooksNot published
Show 11 more comparisonsShow fewer
Built for 5-30 person teams
Mugavi
Chaser
BILL
Melio
QuickBooks AR
FreshBooks
Multi-currency
MugaviPractice+
Chaser
BILL
Melio
QuickBooks AR
FreshBooks
Multi-entity
MugaviPractice+
ChaserCore+
BILLCorporate+
Melio
QuickBooks AR
FreshBooks
Cash-flow forecast
MugaviPractice+
ChaserComplete+
BILLQuickBooks Online only
Melio
QuickBooks ARCash flow planner (some plans)
FreshBooksBasic
Customer risk scoring
Mugavi
Chaser
BILL
Melio
QuickBooks AR
FreshBooks
Branded payment portal
Mugavi
Chaser
BILL
MelioInvoices only
QuickBooks AR
FreshBooks
Free trial / self-serve
Mugavi14-day free
ChaserFree trial offered
BILLFree trial
MelioFree plan, 1 user
QuickBooks ARWithin QuickBooks
FreshBooksNot checked
Time-to-value
Mugavi< 1 day
ChaserNot published
BILLNot published
MelioNot published
QuickBooks ARNot published
FreshBooksNot published
AR analytics + DSO tracking
Mugavi
ChaserComplete+
BILLBasic
Melio
QuickBooks ARAR aging reports
FreshBooksBasic
Payment plans / subscriptions
Mugavi
Chaser
BILL
Melio
QuickBooks AR
FreshBooks
Support model
MugaviEmail + founder
ChaserEmail + AM (Complete+)
BILLEmail + chat
MelioChat + help center
QuickBooks ARQuickBooks help
FreshBooksEmail + chat
Scope: Compared against AR/invoicing tools evaluated by 5-30 person agencies and consultancies. Enterprise AR platforms (Gaviti, Growfin, HighRadius) are excluded — they target $50M+ ARR ERP-first orgs. See vs FreshBooks or the full comparison list for the others.
Last verified: Chaser, BILL, Melio, QuickBooks and FreshBooks on 2026-10-03 (Chaser: $259 a month billed monthly on its USD pricing, priced by revenue band; QuickBooks and FreshBooks: list prices before first-months promotions). Rows on set-up time, support, payment plans, multi-currency and analytics depth are not on those pages and were not re-checked. Sources are the public pricing pages (Chaser, BILL, Melio, QuickBooks, FreshBooks). Pricing/features change; if you spot something stale, tell us.
What that looks like over a year
Same feature gap, in dollars, for a three-person team on each vendor's publicly listed entry tier. Platform cost only: transaction fees are charged on top where noted, and your own volume decides those.
| Cost at 1 year | Mugavi | Chaser | BILL | Melio + manual work |
|---|---|---|---|---|
| Listed price | $79/mo flat | ~$259/mo | $49 per user/mo | $0 (AP-only) |
| Transaction fees on top | None | None | 2.9% + 49¢ per payment | ACH/card fees apply |
| Setup to first reminder | < 1 day | 1–2 weeks | 1–2 weeks | Manual reminders |
| Year 1 platform cost, 3 users | $948 | $3,108 | $1,764 | $0 + your time |
Pricing
Honest pricing. No per-invoice fees. No setup costs.
14-day trial, founder-assisted setup. Upgrade when you're hooked. Cancel anytime.
Single business
$79/mo
One business chasing its own invoices
- AR aging dashboard
- AI dunning (email + SMS)
- Payment portal
- Xero or QuickBooks
- Customer risk scoring
- DSO tracking
- 3 users
- Unlimited invoices
Most popular
Practice
$399/mo
Bookkeepers and accountants chasing AR across client books · Up to 10 client organizations, then $25/org
- Everything in Single business
- Per-client branding and tone
- Consolidated AR across all client books
- Cash-flow forecast
- Multi-currency
- Unlimited users
Practice Scale
$999/mo
Practices past 34 client books, at one flat price
- Everything in Practice
- Flat price up to the book limit
- Priority support
Payment methods, SMS, and accounting integrations depend on region, provider approval, and production credentials. Availability will be confirmed before billing.
Why Mugavi is different
Six things Mugavi understands that other tools miss.
Most AR tools treat every overdue invoice the same. Real service businesses know that customers, relationships, and reasons for late payment are different every time.
AI Collections Inbox
Every customer reply lands in one place. AI classifies replies: will pay on a date, already paid, disputed, missing PO, needs a plan, or no action. Then recommends the next step so you never wonder what to do.
Promise-to-pay tracking
When a customer says "we'll pay next Friday," Mugavi extracts the date, pauses reminders, adds it to your forecast, and automatically restarts the sequence if payment doesn't arrive.
Dispute and blocker management
Give customers a way to flag 'I already paid,' 'need an invoice copy,' 'amount is wrong,' or 'waiting for approval.' The invoice automatically leaves the normal dunning and enters a resolution workflow.
Explainable cash forecast
See exactly why each dollar is expected: $14K from confirmed promises, $12K from customers who always pay on time, $8K is uncertain because two invoices are disputed. Switch between conservative, expected, and optimistic.
Relationship-aware dunning
Pause reminders for any customer you have spoken to, until a date or until you resume. Set the tone at each step of the sequence, from friendly to final. A strategic account can be handled by you instead of by a schedule.
Approval before sending
On by default. Mugavi drafts every reminder and waits, you edit, approve or skip, and it emails you when drafts are waiting. Switch to automatic sending when you trust it, and back again whenever you like.
Explainable forecast
Which part of next month is solid, and which part is hope
Most forecasts give you one number and no way to argue with it. This one separates the money a customer has promised in writing from the money a reliable payer will probably send, and from the money that is genuinely in doubt, so you can see the week where payroll gets tight before it arrives.
Hover any week to see the split.
"
I built this because I was tired of being the one who had to ask.
I'm Davie, the founder of Mugavi. I spent years building software and watching small teams lose hours every week to awkward invoice follow-ups, spreadsheets, and "just checking in" emails. Mugavi is the tool I wish I'd had: honest pricing, fast setup, and follow-ups that don't make your customers hate you.
The first 10 customers get founder-assisted setup, a direct line to me, and 40% off for 12 months. In return I want your A/R problems on the roadmap. Named results go up here once those partners have a full quarter of data behind them.
See your own invoices in it before you decide.
Connect Xero or QuickBooks, watch it draft reminders for your actual overdue invoices, and decide from there. If it's not clearly saving you time by day 14, cancel. No retention call.
Founding customers take 40% off for 12 months, $239/mo for Practice, then $399/mo. First 10 only.
Frequently asked
- Does Mugavi work with Xero?
- Yes. Mugavi connects to Xero via official OAuth, reads open invoices, contacts, due dates and payment status, and writes back the payment-pause marker. Xero integration is the most-tested connection in the product.
- Does Mugavi work with QuickBooks?
- QuickBooks Online integration is currently in beta while we complete the Intuit production credentials. Same workflow as Xero (OAuth, invoice sync, payment pause, reply detection); available on request for founding customers.
- How is Mugavi different from Chaser?
- Both automate overdue-invoice reminders. Chaser's published entry plan is about £199 a month billed monthly (roughly $259), priced by company revenue, as of September 2026. Mugavi is $79/mo for one organization, with no per-invoice fees. On the product itself: Mugavi holds every reminder for your approval by default, pauses when a customer replies, pays or promises a date, lets you pause any customer, and tracks promised payment dates and disputes. A practice pays $399/mo for up to 10 client books, about $40 a book. Check Chaser's own pricing page for its current plans.
- How much does Mugavi cost?
- A single business is $79/mo for one Xero or QuickBooks organization. A practice is $399/mo covering up to 10 client books, then $25 each. The first 10 founding customers take 40% off for 12 months. SMS charged at pass-through cost; no per-invoice fees, no setup fees.
- Will Mugavi send messages without my approval?
- Not by default. Mugavi drafts each reminder and holds it in an approval queue. You can edit the wording, approve it, or skip it, and you get an email when drafts are waiting. If you would rather reminders go out on their own, you can switch that on from the dunning page and switch it off again at any time. Either way you can pause any single customer.
- What happens when a customer replies "we'll pay next Friday"?
- Mugavi detects the reply and pauses reminders for that invoice until you have read it and marked it handled. It suggests the promised date, and once you confirm it, reminders stay paused until that date. If Friday passes without payment, the next reminder is drafted for your approval, not sent on its own.