Kipago: fiado e cobranças for Android

Kipago: fiado e cobranças, by Kipago, modernizes Brazil's fiado practice for small sellers by replacing paper ledgers with a mobile digital ledger. The app records customer debts, schedules installments, and dispatches reminders through the user's WhatsApp Business account while inserting Pix billing links for quick settlement. It stores customer histories, automates recurring charges, and generates simple status reports for outstanding balances. The tool suits micro-entrepreneurs, resellers, door-to-door sellers, and freelancers who manage credit sales.

Kipago replaces paper caderninhos with a phone-based ledger

On Android devices, Kipago creates a structured ledger that records informal credit transactions and installment plans. It uses the official WhatsApp Business integration so messages originate from the user's registered business number, which improves recognition when contacting customers. Each client entry maintains a settlement history and status tags, while built-in reports present current balances and past collections, giving small sellers a single place to review who owes what.

Daily workflow centers on client records, scheduled charges, and message delivery

The typical seller workflow moves from sale entry to scheduled reminders with minimal manual follow-up. A common sequence:

• enter the customer and record the credit sale,
• set installment dates and amounts,
• enable scheduled reminders through the linked messaging account.

Onboarding requires external messaging accounts but keeps mobile setup simple

Automation depends on the WhatsApp Business app and a Facebook account to authorize the official connection, so sellers must set those up before automatic messaging starts. The app offers an open tier limited to five clients; an upgraded tier unlocks unlimited clients, automatic reminders, and recurring billing. Regular updates from the developer indicate active maintenance, which helps sellers who use basic mobile tools rather than specialist software.

Best for micro-entrepreneurs who accept a messaging-led management layer

Kipago operates as a management and notification layer and does not handle funds directly. Messages arrive as standard WhatsApp conversations, so customers do not need to install additional software to view billing links. Availability is limited to Android devices, so operations that require desktop-led accounting or in-app fund processing may need a different solution. The app targets everyday sellers rather than enterprise finance teams.

Practical for phone-first sellers, less so for those needing integrated fund handling

Kipago is a practical option for micro-entrepreneurs who prefer a phone-centered ledger and message-led collection workflow; its strength lies in tying client records to a seller's own messaging number and automating reminders. The main trade-off is reliance on Android and external messaging accounts rather than a single, self-contained transaction system. Sellers who accept that split responsibility get a focused tool for routine credit management.