Choose the product that fits your business — or use both if you need to serve different types of clients.
Run your entire Akawo or Susu business digitally. Your brand, your clients, your money — Binoova is the silent engine in the background.
Offer pay-small-small for anything you sell — land, phones, electronics, furniture, appliances — with automated tracking and zero paperwork.
A business can use both products simultaneously. The systems are separate — Akawo/Susu and Merchant BNPL serve different needs.
Squad remits funds directly to your account. Binoova only provides data and tools.
Your SMS sender ID. Your subdomain. Clients see your business name everywhere.
Clients pay via USSD, card or bank transfer. Not limited to smartphones alone.
Binoova is pure SaaS infrastructure. You retain full control. We stay invisible.
From sign-up to your first live transaction in as little as one day.
Pay your annual subscription upfront or monthly. Complete Squad KYC (BVN, ID, bank details) to receive your Merchant API key. Your Binoova account is activated with your subdomain, web & mobile dashboards, and SMS Sender ID.
Send your personal Binoova link to clients. They choose their saving amount, frequency (daily / weekly / monthly) and end date. Cards are charged automatically on schedule.
Clients pay via card, USSD, or direct bank transfer. Squad collects and remits directly to your account. Binoova never touches the money. A confirmation SMS fires from your business name to your client.
Squad sends transaction data to Binoova. Your dashboard and your client's dashboard both update in real time. Every payment is logged, confirmed, and visible to both parties — no disputes, no paper.
Savers earn a 1–5 star consistency rating. Merchant buyers build payment scores. Operators see full analytics. Your clients trust you more. Your business grows.
Transparency you can show your clients. Binoova never appears in the money chain.
Card / USSD / Bank Transfer
Secure payment processor
Money remitted directly
Binoova never holds, processes or touches your money. Our role is records, notifications, dashboards and scoring — nothing else.
One annual fee. Everything you need to run a professional digital savings or BNPL business.
Get a personalised business link (e.g. mary-savings.binoova.com). Share it with clients so they know exactly who they are saving with.
Set a schedule — daily, weekly, or monthly — and cards are charged automatically. No chasing. No paper cards. No disputes about who paid.
Every payment triggers an instant SMS to your client — from your verified Sender ID, not from Binoova. This builds professional trust instantly.
Each client gets a virtual account bearing both their name and the operator's business name. They can pay via direct bank transfer or USSD code.
Savers earn a 1–5 star consistency rating. Merchant buyers build a payment score. Both parties see scores only for their own transactions — your data stays private.
See who has paid, who is behind, total collections this week, and business performance — all on one clean dashboard on web and mobile.
Real operators and merchants across Nigeria and Liberia running their businesses digitally — using Akawo and Pay Small Small every day.
Before Binoova, I had 30 clients and a big book. Now I have 94 clients and the system handles everything. My clients trust me more because they get SMS from my business name.
I was losing 2 or 3 customers a month who could not pay full price. With Binoova pay-small-small I close every sale now. The automatic debit means I never chase anyone.
Running Akawo in Lagos with busy market women is not easy. Binoova solved the problem — automatic debit, instant SMS, and every client sees their own balance. No one quarrels with me again.
I was afraid clients would default and I would have no proof. Binoova shows every missed payment immediately. My defaults dropped by over 70% since I started using it.
My traders in Ariaria Market trust me more now. They see the payment records on their phones and they refer their friends. I grew from 18 to 55 clients in four months without spending on adverts.
Land buyers could never raise the full amount upfront. With Binoova, I set the instalment plan, they agree, and the debit runs automatically. I have closed 11 plots this quarter alone.
Active subscribers get a free listing on this page — your business name, city, story, and a Verified Subscriber badge. No extra charge.
Real stories from Akawo operators and merchants who digitised with Binoova
One annual subscription. No hidden fees, no per-transaction charges from Binoova.
For individual operators starting out
For operators with 500+ clients
For sellers offering pay-small-small
SMS units are purchased separately and loaded as needed.
Subscriptions are paid annually upfront. All plans include Squad API onboarding and a free listing on the Binoova community page.
Binoova is live in Nigeria and Liberia, with further West African markets on the roadmap.
Port Harcourt · Lagos · Abuja · Aba and across all states
Monrovia and major towns. Susu (Kuu) operators welcome.
West Africa.. Register your interest below.
Join operators across West Africa who have digitised their savings and merchant businesses with Binoova. Your money stays yours — we just make your business smarter.
We will send you onboarding instructions within 24 hours. No credit card required to begin.
