$0
Binoova holds of your money
24h
To go fully live
$100
Starting per year
14
Day free trial
Monrovia · Paynesville · Buchanan · Nationwide

The Digital Susu (Kuu) & Pay Small Small Platform

Binoova gives Susu (Kuu) collectors a complete digital business — and gives merchants a pay-small-small system — all without Binoova ever holding your money. Payments flow directly to you via Orange Mobile Money.

Explore Products How It Works
Orange Mobile Money Liberia's most used mobile payment platform
$100
Starting per year
USD
USD & LRD support
14d
Free trial
Binoova digital Susu platform dashboard

Two Powerful Products

Choose the product that fits your business — or use both simultaneously.

Susu / Kuu Collection

For Susu (Kuu) Collectors

Run your entire Susu or Kuu business digitally. Your brand, your clients — money goes directly to your Orange Money account or bank account.

  • Your own subdomain & branded web portal
  • Clients save via Orange Mobile Money
  • Funds remitted directly to your account
  • SMS confirmations from your business name
  • USD & Liberian Dollar (LRD) support
  • 1–5 star saver consistency rating
  • Operator dashboard + client app & website
  • Works nationwide — Monrovia, Paynesville, Buchanan, Gbarnga & beyond
Start as a Collector
Pay Small Small — Merchant BNPL

For Merchants & Sellers

Offer pay-small-small for anything you sell — electronics, furniture, motorbikes, appliances — with automated Orange Money collections and zero paperwork.

  • No website needed — get a subdomain instantly
  • Buyer & seller both get web + mobile dashboards
  • Agree terms, system enforces payment schedule
  • Orange Money auto-collections on agreed dates
  • Buyer gets a payment score per merchant
  • USD & LRD pricing support
  • Money goes directly to seller — never through Binoova
  • Perfect for Waterside Market, Duala, Fiamah & CBD
Start as a Merchant

 A business can use both products. Susu/Kuu management and Merchant Pay Small Small serve different needs and work independently.

We Never Hold Your Money

Orange Money sends funds directly to your account. Binoova only provides data and tools.

Your Brand, Not Ours

Your SMS name. Your subdomain. Your clients see your business name — Binoova stays invisible.

Orange Money on Any Phone

Clients pay with Orange Money from any mobile phone — no smartphone or bank account required.

First Mover Advantage

Binoova is the first mover here. Early operators gain brand recognition and market leadership now.

How Binoova Works

From sign-up to your first live Susu or Pay Small Small transaction in as little as 24 hours.

1

Subscribe & Set Up Orange Money Integration

Pay your annual subscription in USD. Complete Orange Money merchant onboarding with your business details. Your account activates with your subdomain, web & mobile dashboards, and registered SMS Sender name.

2

Share Your Business Link with Clients

Send your personalised Binoova link via WhatsApp or SMS to Susu members or buyers. They choose their saving amount and frequency. Orange Money auto-charges their account on schedule.

3

Client Pays via Orange Mobile Money

Clients pay with Orange Money from any mobile phone — anywhere, any time. Orange Money processes the payment and remits funds directly to your account. A confirmation SMS fires immediately from your business name.

4

Records Update Automatically

Orange Money sends transaction data to Binoova. Both dashboards update in real time. Every payment is logged and confirmed — no notebooks, no disputes about who paid.

5

Ratings, Reports & Business Growth

Savers earn a 1–5 star consistency rating. Merchant buyers build payment scores. You see full analytics. Your clients trust you more — and your business grows faster.

How the Money Flows

Complete transparency you can show your Susu members and buyers. Binoova never appears in the money chain.

👤
Your Client

Orange Mobile Money

🟠
Orange Money

Mobile payment processor

💰
Your Account

Orange Money wallet or bank

Transaction data also sent to Binoova dashboards (records only)

Binoova never holds, processes or touches your money. Our role is records, SMS notifications, dashboards and scoring — nothing else.

Everything Included in Your Subscription

One annual fee in USD. Everything you need to run a professional digital Susu or Pay Small Small business.

Your Own Branded Subdomain

Get a personalised business link (e.g. fatmata-susu.binoova.com). Share it via WhatsApp — clients know exactly who they are saving with.

  • Branded business page
  • Web & mobile client dashboard
  • Operator admin panel

Automated Orange Money Collections

Set a schedule — daily, weekly, or monthly — and Orange Money charges clients automatically. No more chasing, no more paper registers.

  • Recurring Orange Money auto-debit
  • Works on any mobile phone
  • Missed-payment instant alerts

SMS from Your Business Name

Every Orange Money payment triggers an instant SMS to your client from your registered business name — not from Binoova. Instantly professional.

  • Registered SMS Sender name
  • Real-time payment confirmations
  • Top up SMS units as needed

USD & Liberian Dollar Support

Binoova supports both USD and Liberian Dollar (LRD) — matching the reality of how businesses operate day to day.

  • USD and LRD pricing
  • Orange Money integration for both currencies
  • Flexible currency per operator

Trust Scores & Saver Ratings

Kuu members earn a 1–5 star consistency rating. Merchant buyers build a payment score. Data stays private — never sold or shared externally.

  • Saver star ratings (1–5)
  • Buyer payment scores per merchant
  • Private data — never sold

Smart Analytics Dashboard

See who has paid, who is behind, total collections this week, and business performance — all on one clean dashboard, accessible from anywhere.

  • Real-time collection tracking
  • Client payment history
  • Business growth reports & insights

Trusted by Operators Across the Country

Real stories from Susu collectors and merchants who went digital with Binoova

★★★★★
"I've been doing Kuu for 15 years with paper books in Monrovia. Binoova gave me my own website and app. My members love that they receive SMS from my business name, not from any random company. Very professional."
Fatmata Bangura
Fatmata Bangura

Susu (Kuu) Collector, Monrovia · 45 active members

★★★★★
"I sell electronics at Waterside Market. I was losing customers who couldn't pay everything upfront. With Binoova Pay Small Small they pay small small via Orange Money, and I get paid automatically. No more chasing."
James Kollie
James Kollie

Electronics Merchant, Waterside Market, Monrovia

★★★★★
"My Susu group has members all across Paynesville. Before Binoova I spent every weekend collecting. Now Orange Money collects automatically and I just check my dashboard. Binoova changed my business."
Mariama Kamara
Mariama Kamara

Susu Operator, Paynesville

Simple, Transparent Pricing

One annual subscription in USD. No hidden fees, no per-transaction charges from Binoova. Start free for 14 days.

Basic

$12/Month
or $0.40 / day

For individual Susu collectors starting out

  • Up to 250 clients/members
  • Operator + client dashboards (web & mobile)
  • Your own branded subdomain
  • Orange Money auto-collections
  • USD & LRD support
  • SMS from your business name (units separate)
  • 1–5 star saver ratings
Get Started

14-day free trial — no card required

Enterprise

$100/yr
or $12 / month

For collectors with 500+ members

  • 500 clients/members
  • Everything in Basic
  • Priority onboarding support
  • Dedicated account manager
  • Advanced business analytics
  • Team sub-accounts
  • Auto-upgrade when you cross 500 members
Get Started

14-day free trial — no card required

Merchant Pay Small Small

$100/yr
or $6 / month estimated

For sellers offering pay-small-small

  • Up to 250 buyers
  • Merchant & buyer dashboards
  • Custom payment schedules
  • Buyer payment scoring
  • Orange Money auto-debit & alerts
  • Configurable default fees
  • SMS confirmations (units separate)
Start as Merchant

14-day free trial — no card required

SMS units are purchased separately and loaded as needed. Orange Money merchant onboarding is included at no extra charge from Binoova.

Ready to Digitise Your Susu Business?

Join Susu (Kuu) collectors and merchants who have gone digital with Binoova. Your money stays yours — we just make your business smarter.

We'll send you onboarding details within 24 hours. No credit card required.

Chat on WhatsApp hello@binoova.com