Whether you're digitising a Susu group or running a Pay Small Small merchant store — every Binoova feature is built around one principle: your money flows directly to you, and your clients trust you more because of it.
Susu SaaS and Merchant BNPL both include these foundational capabilities. One subscription covers everything.
Get a personalised URL (e.g. mary-susu.binoova.com or james-electronics.binoova.com). Share it on WhatsApp. Professional from day one.
Set it once. Mobile money handles it every time — daily, weekly or monthly. No chasing, no paper receipts, no awkward conversations.
Every payment confirmation fires an instant SMS from your registered business name — not from "Binoova". Your clients see your brand on every message.
You get an operator/merchant dashboard. Your clients get their own dashboard. Both update live. Disputes become impossible when everyone sees the same record.
USD, Nigerian Naira (NGN) and Liberian Dollar (LRD) — all supported. Set pricing in the currency that makes sense for your clients.
When a collection fails, both you and your client are notified immediately. Retry logic kicks in automatically for temporarily insufficient balances.
These features are specific to the Susu/Akawo SaaS product and designed around the realities of running a savings group.
Auto-calculated from payment consistency. Members are motivated to pay on time. You identify your most reliable savers instantly.
Manage multiple savings groups from one account — each with their own member list, contribution amount and schedule.
Daily, weekly or monthly deductions. Set different schedules per group or even per member. Completely configurable.
For rotating-pot Susu, track who has received their pot and who is next. Full payout history visible to all members.
These features are specific to the Merchant BNPL product, designed for sellers offering instalment plans.
Create a structured instalment contract in under 2 minutes. Product name, deposit, repayment frequency, default fee — all configurable.
Each buyer builds a payment score specific to your store. High-scoring buyers get better terms. Low-scoring buyers get flagged before you extend credit.
Set a default (late penalty) fee as a fixed amount or percentage. Applied automatically when a payment is missed past the grace period.
Share a deal link with the buyer. They create their own account, review the terms, and register their mobile money — no paperwork needed from you.
See exactly what's included in each plan — Basic, Enterprise, and Merchant BNPL.
| Feature | Basic ($50/yr) | Enterprise ($100/yr) | Merchant ($50/yr) |
|---|---|---|---|
| Branded subdomain | ✓ | ✓ | ✓ |
| Operator / merchant dashboard | ✓ | ✓ | ✓ |
| Client / buyer dashboard | ✓ | ✓ | ✓ |
| Mobile money auto-collections | ✓ | ✓ | ✓ |
| SMS from your business name | ✓ | ✓ | ✓ |
| USD + local currency support | ✓ | ✓ | ✓ |
| Missed payment alerts | ✓ | ✓ | ✓ |
| Client / member limit | Up to 500 | Unlimited | Up to 500 |
| 1–5 star saver ratings | ✓ | ✓ | — |
| Multiple savings groups | ✓ | ✓ | — |
| Buyer payment scores | — | — | ✓ |
| Configurable default fees | — | — | ✓ |
| Deal creation for BNPL | — | — | ✓ |
| Advanced analytics | — | ✓ | — |
| Team sub-accounts | — | ✓ | — |
| Dedicated account manager | — | ✓ | — |
| Priority onboarding support | — | ✓ | — |
| 14-day free trial | ✓ | ✓ | ✓ |
SMS units purchased separately and loaded as needed. Orange Money merchant onboarding included at no extra charge from Binoova.
Everything you need to know before getting started.
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No credit card required. Full access to all features for 14 days. Go live in 24 hours and see the difference digital makes.
Available in Nigeria and Liberia. Expanding across West Africa.