Investor Overview

The trust layer for service payments.

Vendors deserve power. Customers deserve protection. WorkPay gives both.

01Cover
WorkPay
Investor Deck

Workpay

Giving power back to service vendors while keeping customers safe.

The payment trust layer for service businesses.

WorkPay vendor and customer
Protected payment

Vendor payout

AED 2,450

How a project flows
Vendor
Protected Payment
Customer Approval
Vendor Payout
02The Problem
The Problem

Work should not end with begging.

Vendors do the work. Then come the excuses.

WorkPay gives vendors a better default.

Service vendors are tired of chasing money they already earned.

“We’ll pay next week.”

“Boss is not available.”

“Send the invoice again.”

“Just one small extra change.”

“We’ll release after final delivery.”

“Can you reduce the price now?”

03Case Study
Service business owner
36Hour Company
Case Study

We built WorkPay because we lived this.

USD 30,000+

Unpaid invoices lost by 36Hour Company in 2 years.

Lost revenueLost cash flowLost profitLost momentum

When service businesses don’t get paid, they still carry the cost.

04Market Pain
Market Pain

This is not rare. It is normal.

Unpaid and delayed payments are a service-business problem everywhere.

56%

of small businesses surveyed were owed money from unpaid invoices

QuickBooks 2025 small-business report

$17.5K

average unpaid amount per business

QuickBooks 2025 small-business report

55–58%

of global freelancers say they completed work and were never paid

Global freelance industry reports

51%

of UAE B2B credit sales are affected by late payments

UAE B2B payment data

4%

of UAE B2B invoices end up as bad debt

UAE B2B payment data

This is not a payment issue.

It is a trust issue.

05Core Truth
Core Truth

Clients don’t trust vendors. Vendors fear non-payment.

Both sides are exposed. The vendor usually carries more risk.

Customer fear

Customer fear

  • Will I get what I paid for?
  • What if the vendor disappears?
  • What if the work is poor?
Vendor fear

Vendor fear

  • What if the client delays payment?
  • What if they ask for more after delivery?
  • What if they give irrelevant excuses?
  • What if they simply don’t pay?

Today, the vendor often works at the mercy of the customer.

06The Solution
The Solution

Put a trusted party in the middle.

That trusted party is WorkPay.

Customer pays into a protected project
Vendor starts with confidence
Work gets submitted by milestone
Customer approves
Vendor gets paid
If something goes wrong, there is a structured resolution flow
Customer
WorkPay
Vendor

Customers stay safe.

Vendors stop begging for payment.

07How It Works
How It Works

Simple for customers. Safer for vendors.

1

Vendor creates project or payment link

2

Customer pays

3

Funds are protected

4

Vendor delivers milestone

5

Customer approves

6

Vendor gets paid

08Product
Product

One link. Clear milestones. Protected payouts.

9:41
WorkPay

New project

AED 2,450
Website redesign · 5 pages
Milestone 1 · Design
Milestone 2 · Build
Milestone 3 · Launch

Vendor creates project

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WorkPay
Pixel Studio · Verified vendor

Brand Identity Pack

Project total

AED 2,450

Scope & deliverables agreed
3 milestones · 6 weeks
Approval before each release

Powered by stripe

Customer checkout

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WorkPay

Approve milestone?

Design concept · Milestone 1 of 3

Homepage concept
Brand colors
2 revisions used

Milestone approval

9:41
WorkPay

Daily payout

AED 2,450

Today
Milestone approved
Eligible for payout
Daily payout flow
Approved milestones move to your account on a daily payout basis.

Vendor payout dashboard

9:41
WorkPay

Dispute center

Under review
Issue raised
Evidence submitted
Project timeline shared
Proof & messages kept organized around the project.

Dispute / refund view

09Business Model
Business Model

Revenue built into the flow.

Customer payment protection fee

Vendor payment processing fee

Premium vendor tools later

Corporate / API workflow later

Growth levers

  • More vendors
  • Higher project value
  • More repeat customers
  • More milestones per project
  • Referral loop
10Growth Loop
Growth Loop

Trust creates repeat usage.

The better the trust, the faster the adoption.

The WorkPay flywheel
Vendor uses WorkPay
Customer feels safe
Deal closes faster
Vendor uses it again
Customer recommends it
More vendors join
11Team
Team

Built by operators who know this pain.

RH

Roshan Hegde

CEO / CMO

Built and scaled 36Hour Company. Experienced unpaid invoices and service-business payment risk firsthand.

U

Umar

CTO

Engineer with experience in large-scale banking / government systems.

S

Shams

COO

Focused on operations, execution, and customer / vendor support.

12Vision / Ask
Vision / Ask

We are building the trust layer for service businesses.

The future of service payments is protected, milestone-based, and vendor-first.

Let’s rebuild how service businesses get paid.

Raising

USD 350K

Use of funds

Product development
Compliance and legal
Vendor acquisition
Marketing and content
Partnerships
Risk and dispute operations
13Appendix
Appendix

Supporting detail.

Deeper context for the questions investors ask next.

14Appendix · Market Size
Appendix · Market Size

A large, underserved service economy.

Service-first

Vendors, freelancers, agencies and project businesses across MENA and beyond

B2B + B2C

Every project where work happens before payment is settled

UAE first

Launch market with high B2B late-payment exposure, then expand

Bottom-up: vendors × projects × average project value × take rate.

15Appendix · Competition
Appendix · Competition

Payment links collect money. WorkPay builds trust.

Capability
Bank transfer
Payment links
WorkPay
Collects payment
Milestone tracking
Customer approval flow
Protected payout
Dispute documentation
Vendor-first design
16Appendix · Admin & Risk
Appendix · Admin & Risk

Risk and dispute operations, built in.

  • Identity and business verification before payout
  • Structured milestone evidence and proof trail
  • Chargeback and refund handling workflow
  • Fraud and risk monitoring on every project
  • Compliance-ready records and audit logs
9:41
WorkPay

Dispute center

Under review
Issue raised
Evidence submitted
Project timeline shared
Proof & messages kept organized around the project.
17Appendix · Roadmap
Appendix · Roadmap

From early access to the default payment layer.

Now

Early access

  • UAE vendors
  • Project links
  • Milestones & approvals
  • Daily payouts
Next

Scale

  • Vendor dashboard
  • Premium tools
  • Referral loop
  • More categories
Later

Platform

  • Corporate / API
  • Regional expansion
  • Risk automation
  • Partnerships
18Appendix · Projections
Appendix · Projections

Revenue compounds with every milestone.

Take rate

Protection + processing fee on each protected project

Repeat

Repeat vendors and customers lift lifetime value

Expansion

Premium tools and corporate / API add revenue layers

Detailed financial model available on request.

19Appendix · Corporate / API
Appendix · Corporate / API

A trust layer other platforms can plug into.

  • Embed protected project payments via API
  • Milestone and approval flows for marketplaces
  • Corporate vendor onboarding and controls
  • White-label payout and dispute tooling
9:41
WorkPay

Daily payout

AED 2,450

Today
Milestone approved
Eligible for payout
Daily payout flow
Approved milestones move to your account on a daily payout basis.

Let’s rebuild how service businesses get paid.

Contact us