OkCredit is known for extreme simplicity - one screen for recording credit and debit transactions. With 10M+ downloads and backing from Tiger Global and Lightspeed, it serves millions of small businesses.
But simplicity comes with trade-offs. If you need more than basic transaction recording - specifically if you need automated payment collection - OkCredit may not be enough.
Here is an honest comparison.
The Core Difference
OkCredit is a digital ledger - it helps you track who owes you what. GetPaidly is a payment collection tool - it actively gets you paid through automated WhatsApp reminders, UPI links, and AI verification.
OkCredit records the transaction. GetPaidly collects the payment.
Feature Comparison
Where OkCredit Wins
Simplicity. OkCredit is the simplest ledger app available. One screen, two buttons (credit/debit), done. For a shopkeeper who just wants to digitize their register book, nothing is easier.
Built-in UPI. OkCredit has direct UPI payment collection built into the app - merchants can accept payments via QR and payment links without a separate tool.
Low pricing. At ₹30/month for the basic paid plan, OkCredit is one of the cheapest options available.
Business loans. OkLoan offers paperless loans up to ₹1 lakh based on transaction history. Useful for businesses needing quick working capital.
Where GetPaidly Wins
Automated collection. GetPaidly sends reminders automatically without any daily manual effort. OkCredit requires you to open the app and manually send each reminder.
WhatsApp Business API. GetPaidly uses the official WhatsApp Business API for automated messages. OkCredit opens your personal WhatsApp to share a pre-formatted text - this does not scale beyond 10-20 buyers.
UPI links in reminders. Every GetPaidly reminder includes a clickable UPI payment link. The buyer taps it and pays in 10 seconds. OkCredit's UPI feature is separate from reminders.
AI verification. When a buyer sends a payment screenshot, GetPaidly's AI reads and verifies the UTR, amount, and date. With OkCredit, you manually check and update.
No ads. GetPaidly has no ads. OkCredit's free tier includes aggressive 10-15 second unskippable video ads that users consistently complain about.
The OkCredit User Experience Problem
OkCredit's Trustpilot score of 2.3/5 (with nearly all reviews at 1 star) reflects serious user frustration:
- Aggressive ads dominate the free experience
- Lending product complaints - reports of calls to personal contacts and photo sharing for late loan payments
- Customer support is WhatsApp-only with no phone support
- Feature paywalls - previously free features like staff access now require paid plans
- Deleted contacts cannot be re-added - a technical limitation that causes permanent data loss
OkCredit shut down its P2P lending product (OkNivesh) due to RBI regulations, raising questions about its long-term product strategy.
Pricing Comparison
OkCredit is cheaper. GetPaidly does more. The question is whether the automation features pay for the price difference - and for a business with 30+ overdue buyers, saving 1-2 hours of daily follow-up time is worth far more than the ₹200-300/month difference.
Who Should Choose What?
You have fewer than 10 buyers, need the simplest possible ledger, and are comfortable sending reminders manually one by one
You have 10+ buyers, want reminders to go out automatically with UPI links, and want AI to verify payments without checking bank statements
GetPaidly works alongside OkCredit. Keep OkCredit for ledger entries if you like it. Use GetPaidly for the collection automation layer.
The Bottom Line
OkCredit simplified the register book. GetPaidly automates payment collection. If your problem is recording transactions, OkCredit works. If your problem is actually getting paid, GetPaidly solves that better.