AI bookkeeping for Nigerian traders

Your shop ledger, now fluent in WhatsApp.

PayWise lets market traders record credit sales with a voice note, create payment accounts for debtors, and see wallet activity without downloading a new app.

Try PayWise See how it works

Pidgin Yoruba Hausa Igbo English

Debt recorded

NGN 45,000

Virtual account ready

PayWise Assistant

online in WhatsApp

I be Mama Bola. Alhaji Musa carry 3 bags rice for NGN 45,000. He go pay next week.

I got it. Please confirm: Alhaji Musa owes NGN 45,000 for 3 bags of rice, due next week.

PLAY 0:08

Sale saved.

CustomerAlhaji Musa

AmountNGN 45,000

PaymentNomba account sent

Wallet balance

NGN 128,500

Updated instantly

39.6M

micro and small businesses powering Nigeria.

70%

still track daily money movement on paper.

5 sec

to open WhatsApp and start recording a sale.

24/7

ledger, payment, and wallet history on demand.

Why it matters

The market runs on trust. PayWise gives trust a record.

Traders do not need complicated finance software. They need a simple way to remember who bought what, who has paid, and what money is actually theirs.

5:47 AM

Mama Bola opens her shop and checks yesterday's notebook. One smudged amount can mean money she never recovers.

12:20 PM

Three customers collect goods on credit. Names, numbers, prices, and due dates are easy to forget when the shop is busy.

With PayWise

She sends one voice note. PayWise extracts the sale, asks for confirmation, creates the payment route, and keeps the ledger clean.

How it works

One conversation. A complete credit record.

The flow stays where traders already are: WhatsApp. PayWise handles the accounting structure quietly behind the scenes.

Send a voice note

Speak naturally in Pidgin, Yoruba, Hausa, Igbo, or English.

Confirm the details

PayWise reads the customer, item, amount, number, and due date back to you.

Get a payment account

A Nomba virtual account is created so the debtor can pay from any bank app.

Track your money

Your wallet, debts, and transaction history update when payments arrive.

Built for real shops

Simple for traders. Serious underneath.

PayWise feels like chatting with an assistant, but it is built around confirmations, payment events, and secure wallet controls.

Local language first

Customers can speak the way they sell every day, including Pidgin and major Nigerian languages.

AI confirms before saving

The assistant proposes the record and waits for confirmation before writing important financial data.

Virtual accounts for debts

Debtors receive account details, pay from their bank app, and the trader gets clean payment tracking.

No new app to learn

The main workflow happens inside WhatsApp, so adoption feels familiar from the first message.

Wallet dashboard

Traders can log in to see balance, transaction history, debts, and withdrawal options.

Secure by design

AI records information. Sensitive money actions stay behind the wallet login flow.

Scan to try PayWise Opens WhatsApp with the join message ready.

Try it yourself

Scan. Send. Start selling smarter.

Use the sandbox WhatsApp number to experience the flow from onboarding to recording a credit sale.

Open WhatsApp

Scan the QR code and send the pre-filled join message.

Introduce your shop

Send a message like: "I be Mama Bola. I sell provisions for Oyingbo Market."

Record a sale

Try: "Alhaji Sule carry 2 cartons biscuit for NGN 25,000. Him number na 0809..."

Technology

Connected to the tools that make it real.

FastAPI

LangGraph + GPT

Twilio WhatsApp

Nomba Banking API

Speech to Text

Text to Speech

MongoDB Atlas

Railway Deploy

Wallet access

Your records should feel as easy as your conversations.

Open Wallet Dashboard