🇳🇬 🇱🇷
500K+
Potential Operators in Nigeria
₦0
Binoova holds of your money
24h
To go fully live
Squad
Secure payment processor
Nigeria — Port Harcourt · Lagos · Abuja · Nationwide

The Digital Akawo & Pay Small Small Platform for Nigeria

Binoova gives Akawo and Esusu operators a complete digital business — and gives Nigerian merchants a pay-small-small system — all without Binoova ever holding your money. Payments flow directly to you via Squad.

Explore Products How It Works
₦30K
Starting per year
BVN
Verified virtual accounts
USSD
No smartphone needed
Binoova Nigeria dashboard — Akawo digital platform

Two Powerful Products for Nigeria

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

Akawo / Esusu / Susu — Nigeria

For Akawo & Esusu Operators

Run your entire Akawo or Esusu business digitally. Your brand, your clients — money goes directly to your Nigerian bank account via Squad.

  • Your own subdomain & branded web portal
  • Clients save via card, USSD or bank transfer
  • Squad API remits money directly to your account
  • SMS confirmations from your registered Sender ID
  • BVN-verified virtual accounts per saver
  • 1–5 star saver consistency rating
  • Operator dashboard + client app & website
  • Works across Port Harcourt, Lagos, Abuja, Aba, Onitsha & all states
Start as an Operator
Pay Small Small — Merchant BNPL Nigeria

For Nigerian Merchants & Sellers

Offer pay-small-small for anything you sell — land, phones, electronics, furniture, appliances — with automated Squad debit and zero paperwork.

  • No website needed — get a subdomain instantly
  • Buyer & seller both get web + mobile dashboards
  • Agree terms, system enforces payment schedule
  • Cards auto-debit on agreed dates via Squad
  • Buyer gets a payment score per merchant
  • Configure default fees and custom terms freely
  • Money goes directly to seller — never through Binoova
  • Perfect for Stadium Road, Oil Mill, Trade Fair sellers
Start as a Merchant

 A business can use both products. The systems are separate — Akawo/Esusu and Merchant Pay Small Small serve different needs.

We Never Hold Your Money

Squad remits funds directly to your Nigerian account. Binoova only provides data and tools.

Your Brand, Not Ours

Your SMS Sender ID. Your subdomain. Your clients see your business name — not Binoova.

Card, USSD or Bank Transfer

Clients don't need a smartphone. Pay via GTBank USSD *737# or any Nigerian bank code.

No CBN Licensing Risk

Binoova is pure SaaS infrastructure. You retain full control. We hold zero regulatory risk for you.

How Binoova Works in Nigeria

From sign-up to your first live transaction in as little as one day.

1

Subscribe & Complete Squad KYC

Pay your annual subscription. Complete Squad (by GTCO/HabariPay) KYC with your BVN, NIN, and bank details. Your Binoova account is activated with your subdomain, web & mobile dashboards, and registered SMS Sender ID.

2

Share Your Business Link with Nigerian Clients

Send your personalised Binoova link via WhatsApp or SMS to clients. They choose their saving amount and frequency (daily / weekly / monthly). Cards are charged automatically via Squad on schedule.

3

Client Pays via Card, USSD or Bank Transfer

Clients pay via card, *737# USSD, or direct bank transfer. Squad collects and remits directly to your Nigerian bank account. A confirmation SMS fires from your business name to the client immediately.

4

Records Update Automatically

Squad sends transaction data to Binoova. Your dashboard and your client's dashboard both update in real time. Every naira payment is logged and confirmed — no disputes, no paper record books.

5

Ratings, Reports & Business Growth

Savers earn a 1–5 star consistency rating. Buyers build payment scores per merchant. Operators see full analytics. Your Nigerian clients trust you more — and your business grows faster.

How the Money Flows in Nigeria

Transparency you can show your clients. Binoova never appears in the money chain.

👤
Nigerian Client

Card / USSD / Bank Transfer

💳
Squad (GTCO)

CBN-licensed processor

🏦
Your Nigerian Account

GTBank, Access, Zenith etc.

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. Everything you need to run a professional digital Akawo or Pay Small Small business in Nigeria.

Your Own Nigerian Subdomain

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

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

Automated Collections via Squad

Set a schedule — daily, weekly, or monthly — and cards are charged automatically via Squad. No chasing. No paper contribution cards. No disputes.

  • Recurring card auto-debit via Squad
  • USSD (*737#, *901# etc.) support
  • Missed-payment instant alerts

SMS from Your Nigerian Business Name

Every payment triggers an instant SMS to your client — from your verified NCC Sender ID, not from Binoova. Builds professional trust instantly.

  • NCC-registered SMS Sender ID
  • Real-time payment confirmations
  • Top up SMS units as needed

BVN-Verified Virtual Accounts

Each client gets a virtual account bearing both their name and your business name. Pay via Naira direct bank transfer or any Nigerian USSD code.

  • BVN-verified named virtual accounts
  • Nigerian USSD payment codes
  • Instant NIP bank transfers

Trust Scores & Saver Ratings

Savers earn a 1–5 star consistency rating. Merchant buyers build a payment score per business. Data is private — never sold or shared externally.

  • Saver star ratings (1–5)
  • Buyer payment scores per merchant
  • NDPR-compliant data handling

Smart Analytics Dashboard

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

  • Real-time naira collection tracking
  • Client payment history
  • Nigerian business growth reports

Trusted by Nigerian Operators

Real stories from Akawo operators and merchants across Nigeria who digitised with Binoova

★★★★★
"Before Binoova, I managed 30 clients max and spent every morning chasing payments in Trans-Amadi. Now I have 94 clients and the system sends them SMS automatically from my business name. No more arguments about who paid."
Nneoma Chukwu
Nneoma Chukwu

Akawo Operator, Port Harcourt · 94 active savers

★★★★★
"I sell phones on Stadium Road in Port Harcourt. I was losing 2–3 customers a month who couldn't pay full price. With Binoova Pay Small Small I close every sale, and the automatic Squad debit means I don't have to chase anyone."
Chike Obina
Chike Obina

Electronics Merchant, Port Harcourt · ₦4.8M tracked sales

★★★★★
"I'm an Esusu collector in Lagos Mainland. Binoova gave me my own website and app for my 60 members. They love receiving SMS confirmation from my business name every time they pay. Very professional."
Adaeze Okafor
Adaeze Okafor

Esusu Collector, Lagos Island · 60 members

★★★★★
"I sell furniture in Trans-Amadi. I was afraid clients would default and I'd have no proof. Binoova shows every missed payment immediately. I've reduced defaults by over 70% since I started Pay Small Small."
Emeka Ike
Emeka Ike

Furniture Merchant, Port Harcourt

Simple Nigerian Pricing

One annual subscription in Naira. No hidden fees, no per-transaction charges from Binoova.

Basic

₦30,000/yr
or ₦3,500/month

For individual operators starting out

  • Up to 500 clients
  • Operator + client dashboards (web & mobile)
  • Your own Nigerian subdomain
  • Squad auto-debit & USSD collections
  • BVN-verified virtual accounts
  • SMS from your Sender ID (units separate)
  • 1–5 star saver ratings
Get Started

Enterprise

₦100,000/yr
or ₦10,000/month

For operators with 500+ clients

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

Merchant Pay Small Small

₦30,000/yr
or ₦3,500/month

For Nigerian sellers offering pay-small-small

  • Up to 500 buyers
  • Merchant & buyer dashboards
  • Custom payment schedules
  • Buyer payment scoring
  • Squad auto-debit & missed payment alerts
  • Configurable default fees
  • SMS confirmations (units separate)
Start as Merchant

SMS units are purchased separately and loaded as needed. Squad API onboarding is included at no extra charge from Binoova.

Ready to Digitise Your Nigerian Business?

Join Akawo and Esusu operators across Nigeria 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