Customer ledger
Charges and payments per customer, credit limits and a running balance.
LENDER● Emma Johnson
BORROWER● Michael Brown
NewFor shops and service businessesCredit, invoices and installments,
Credit, invoices and installments,
in one place.
Know who owes you what, send professional invoices, and sell on installments with a signed schedule, without a complicated accounting system.
Your staff join with their own accounts.
‹Agreement⋯
40%
Olivia owes you$1,260Rent share · 6 payments
✓ Aug 9$350.00
✓ Sep 9$350.00
Next · Oct 9$210.00
+ PaymentRemind
Everything to get paid on time
Invoices
Numbered invoices with tax, a PDF by email, and aging from current to 90+ days.
Automatic reminders
Invoice reminders before and after the due date, until it is paid. Text messages where you have consent.
Installment sales
A product catalog with your markup, a down payment, a schedule and guarantors.
Monthly statements
PDF statements emailed to customers each month.
Reports and accounting
A weekly or monthly summary by email, and files to import into QuickBooks Online or Xero.
Team seats
Staff with their own accounts; add admin and viewer roles on Organization plans.
Installment sales
Sell a TV, a phone or a sofa on installments
Pick the product, the customer and the down payment. IOUEZ adds your markup, builds the schedule and creates an agreement the customer signs. Mark it delivered, upload their ID or the contract, and track every payment.
- Percent or fixed markup per product
- Guarantors and documents on file
- Returned or repossessed closes the plan cleanly
‹Agreement⋯
40%
Olivia owes you$1,260Rent share · 6 payments
✓ Aug 9$350.00
✓ Sep 9$350.00
Next · Oct 9$210.00
+ PaymentRemind
Set up in an afternoon
- 1
Create a business workspace
Pick your currency and time zone, invite your staff.
- 2
Add customers and products
A name and a phone or email is enough to start.
- 3
Bill, sell and remind
Send invoices, create installment sales and let reminders follow up.
Business questions
Is there a limit on installment sales?
The Business plan has a limit on active installment sales shown on the pricing page; Organization plans have none.
Can customers pay through IOUEZ?
No. Customers pay you the way you choose; you record the payment and it updates the invoice, the schedule and their account.
Does it replace my accountant?
No. It keeps a clean record and exports files your accountant can import into QuickBooks Online or Xero.
Can staff only see their own customers?
Yes. Staff in a branch see that branch and what is assigned to them; owners and admins see everything.
Plans for businesses
Free
For everyday IOUs$0.00/month
Free forever
Start free- Unlimited personal IOUs
- Both-party e-signatures
- Reminders and live sync
- Android and web
- Light ads
- Change requests on signed agreements
Pro
For people who lend often$4.99/month
Billed monthly
Start free trial- Everything in Free, no ads
- Installment plans on the web and Android
- Groups and split bills
- Branded PDF with QR verification
- Receipts on payments (photos and PDFs)
- Excel export of agreements, payments and groups
- Witnesses and guarantors, with a PDF certificate
- Insights and a calendar link
- Fill with AI and receipt scanning
Family
Pro for your whole household$7.99/month
Billed monthly
Start free trial- Everything in Pro for you
- Pro for up to 5 people in your family
- Shared household space for IOUs and expenses
- Allowance and chore IOUs for kids
Business
Shops, landlords and small lenders$14.99/month
Billed monthly
Start free trial- Everything in Pro
- Customer credit ledger with statements
- 3 team seats
- Bulk reminders by email
- Monthly customer statements by email
- Priority support
- Invoices with aging and automatic reminders
- Installment sales (up to 100 active)
- Scheduled reports and QuickBooks / Xero export
Get paid without chasing.
Create your business workspace today.