Get paid for the work you already did.
Owed is an AI collections copilot for freelancers and small studios who bill through PayPal. Claude agents read your invoices, judge how each client really pays, and draft the right reminder — you approve before anything is sent.
Free · sign in with your DataSparkLab account · runs on PayPal sandbox data
Watch the 3-minute demo: from overdue invoice to an approved PayPal reminder.
The problem
The work is done and the invoice is sent. Then someone has to notice it's late, decide how hard to push this client, and write the awkward email.
Most freelancers chase too late, or chase everyone the same way. Owed does the noticing and the writing; you keep the judgement.
Cash forecast
Each due date shifted by that client's real payment habit, so you know when money actually lands.
Human-in-the-loop
Agents can only draft. Every send is your click, recorded in an audit log.
How it works
Four steps, one approval queue
Connect PayPal
Owed reads your PayPal invoices and payments through Invoicing v2 and Transaction Search.
Learn each client
Average days to pay, on-time rate and a 0–100 risk score per client, from real history.
Agents draft
Claude agents pick the right tone for every overdue invoice and draft the reminder.
You approve
Edit, approve and send through PayPal — or discard. Nothing reaches a client without you.
Receivables. Outstanding, overdue, aging by client and a forecast — an AG Studio dashboard the agents can rebuild on request.
Approvals. Each draft shows the agent's reasoning. Edit, approve and send through PayPal, or discard.
Built with
PayPal + Claude + AG Studio
PayPal
- Invoicing v2: list, remind, create + send
- Transaction Search for the ledger
- Agent Toolkit tools for the morning-brief agent
- Sandbox seeded through the same APIs
Claude (Anthropic)
- Custom AG Studio adapter streams Claude into AG-UI events
- A collections agent the built-in lead delegates to
- Tone judged from each client’s history
- Read-only morning brief over PayPal data
AG Studio by AG Grid
- Themed embedded dashboard with custom widgets
- Studio Agent Framework: 5 built-in agents + Owed’s own
- Full-screen editor with undo, reset and saved layouts
- Agents can add charts and pages on request
The hackathon
PayPal AI Hackathon on Devpost
Build something that meaningfully combines PayPal and AI. Owed is entered in the business-tools track: a working product for the freelancers and small studios who live on PayPal invoices, built around AG Studio's agent framework.
- Submissions close
- 12 Nov 2026, 12:00 PST
- Targeting
- Best Use of AG Grid · PayPal + AI
- Licence
- MIT, open source
Built by
Edilson Santos
Backend developer · Johannesburg, South Africa
Eleven years building production systems: customer-facing platforms, APIs, automation and the infrastructure behind them. Owed came from watching small businesses do great work and then wait months to be paid for it.
Try Owed on a live PayPal sandbox
Create a free account to explore the dashboard, chat with the agents and approve a reminder.