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— White-Label Platform · Fintech · Nigeria

Get paid faster. Stop chasing customers on WhatsApp.

A white-label invoicing and payment-collection app built for Nigerian SMEs — send a professional invoice in under a minute, collect by bank transfer, card or mobile money through Paystack, and see exactly who's paid without a single follow-up call.

Naira-nativePaystack-powered · mobile-first · buildable as an MVP in days
— The problem

Invoicing on WhatsApp doesn't scale.

Most Nigerian shop owners and small business operators still invoice customers through WhatsApp messages and follow up on late payments by phone. It's slow, it looks unprofessional next to a real invoice link, and money gets lost in the gaps — there's no single place to see who owes what.

— How it works

Four steps, no spreadsheet.

Everything a business owner needs to get paid, without leaving their phone.

Runs on your phone · no desktop needed · your logo, your brand

— What it does

Built for how Nigerian SMEs actually invoice.

Not a generic invoicing template with a Naira symbol bolted on — built around the workflow small business owners already use.

— 01

Invoice creation, under 60 seconds

Add a logo, itemize what's owed, and send by link, WhatsApp or email — no desktop software, no PDF wrangling.

  • Logo & branding upload
  • Itemized line items
  • Send by link, WhatsApp or email
— 02

Paystack-powered payments

Customers pay by bank transfer, card or mobile money, straight from the invoice link — no separate payment app to install.

  • Bank transfer
  • Card payments
  • Mobile money
— 03

Real-time payment dashboard

See who's paid, who hasn't and how much is owed, in one place — not scattered across WhatsApp threads.

  • Paid / pending / overdue status
  • Total outstanding at a glance
  • Per-customer payment history
— 04

Automatic payment reminders

The app sends polite, automatic reminders to customers who haven't paid — so the business owner never has to make an awkward phone call.

  • Configurable reminder schedule
  • Sent automatically, not manually
  • Consistent, professional tone
— 05

Mobile-first

Built for a phone screen from day one, since that's how most Nigerian SME owners will actually use it — not a desktop app squeezed onto mobile.

  • No desktop required
  • Fast on low-bandwidth connections
  • Simple enough for a first-time user
— 06

Naira-native

Built in Naira for Nigerian business owners — not a US-first invoicing tool with a currency dropdown.

  • Naira as the default currency
  • Local payment methods first
  • Nigeria-specific from the ground up
— How fast this ships

An MVP like this ships in days, not months.

This is deliberately scoped as a lean MVP first — the core loop working end to end, before anything else gets added.

01

Core invoicing + payments

Account creation, invoice creation with logo upload, and a Paystack payment link on every invoice with a paid/unpaid status.

02

Dashboard + reminders

A dashboard listing every invoice by status, automatic reminder logic, and simple customer contact capture.

03

Polish + demo readiness

A full mobile-responsive pass, since most owners will run this from a phone, and the product ready to demo end to end.

04

Handover

Full source-code transfer and documentation. Multi-user accounts, inventory and accounting exports come later, once real users ask for them — not guessed at up front.

— What it's actually costing you

Every WhatsApp invoice is a payment you might lose track of.

None of this is exotic — it's the daily cost of running invoicing through a chat app instead of a system built for it.

Lost in the scrollOld invoices buried in chat history
Awkward callsChasing payment feels like begging
No paper trailHard to prove what was agreed & sent
Cash flow gapsMoney owed, but no one's tracking it
— The difference

From chasing payments to just watching them arrive.

The workflow doesn't get more complicated — it gets replaced with one that does the chasing for you.

Before

WhatsApp & phone calls

Every invoice is a fresh message. Every follow-up is an awkward call. Nothing is tracked anywhere except your memory.

  • Invoices scattered across chat threads
  • Manual, one-by-one follow-up
  • No record of who owes what
After

One link, one dashboard

Send a professional invoice in under a minute. The app tracks status and reminds late payers automatically — you just watch the dashboard.

  • One dashboard, every invoice in one place
  • Reminders sent for you, automatically
  • Paid status updates the moment it happens
— Early access

Founding businesses get priority & founding-user pricing.

We're onboarding a small first group of Nigerian SMEs directly with the team building this — not a support queue. Early access members shape the roadmap and get founding-user pricing locked in when we launch.

Direct lineTo the team building it, not support
Founding pricingLocked in before public launch
Shape itYour workflow informs what ships next
First in lineOnboarded before the public waitlist
— Frequently asked

The questions fintech founders ask first.

Something missing? Email Prakash directly — same-day replies, no SDR layer.

Is this a live product we can sign up for today?
No — PayFast Naija is a scoped product concept, not a live platform with existing customers. We're presenting the plan and architecture honestly rather than implying a product or user base that doesn't exist yet. Book a demo to discuss building it for your market.
Do we own the source code?
Yes. On launch you receive the complete source code and documentation. No licence fees or lock-in — it's your platform to run, rebrand and extend.
Why Paystack specifically?
Paystack covers bank transfer, card and mobile money in one integration for the Nigerian market, which is why the architecture is built around it first. We can scope a different processor if your market or licensing needs require it.
What's deliberately left out of the MVP?
Multi-user/staff accounts, inventory management, accounting/tax exports and multi-currency support are all cut from the first version on purpose. They get added once real paying users say they need them — not guessed at before anyone has used the product.
How is it priced?
We haven't published a number. The right model — a flat monthly fee or a small percentage per transaction — depends on what comparable Nigerian fintech tools charge, and we'd rather scope that properly on a call than publish a placeholder figure.
Could this work outside Nigeria?
The architecture generalises to any market with a comparable payment processor, but the product is deliberately built Nigeria-first — Naira-native, Paystack-powered, and designed around how Nigerian SME owners actually invoice today.
— Talk through the build

Book a demo. See the architecture, not a slide deck.

A 30-minute session with Prakash or a senior engineer — never an SDR. We'll walk the invoicing flow, the Paystack integration, and the fastest realistic path to a live MVP.

Book a demo
— Founder will reply personallyPrakash Singh · Matrytech