Merchant Pay Small Small Platform

Sell More.
Get Paid
on Schedule.

Offer pay-small-small for phones, land, furniture, electronics and appliances across Nigeria — with automated Squad instalment tracking, buyer scoring, and zero paperwork. Money goes directly to your Nigerian bank account.

Start as a Merchant How It Works
chike-phones.binoova.com — Merchant Dashboard
₦4.8M
Total Tracked Sales
↑ 23% this month
47
Active Instalment Plans
↑ 8 new this week
94%
On-Time Payment Rate
Excellent
3
Payments Due Today
⚠ Auto-alert sent
Active DealsView All →
iPhone 15 Pro Max (256GB)
Buyer: Ngozi Okonkwo
₦85K
On Track
Score: 92
Samsung 55" Smart TV
Buyer: Emeka Eze
₦120K
On Track
Score: 78
3-Bed Land Plot (Rumuola)
Buyer: Amaka Dike
₦450K
Alert Sent
Score: 55
  The Real Cost of Manual Tracking

Selling on Credit Without a System
Is Destroying Your Nigerian Margins

Every Nigerian merchant who sells on instalment without digital tools is leaking money through defaults, disputes, and administrative overhead they can't even measure.

📋

Notebooks & WhatsApp as "Records"

Your payment records live in a book that can be lost, or a WhatsApp message that can be deleted. Neither is enforceable. Neither is professional in today's Nigerian market.

No proof. No recourse.
🏃

Chasing Buyers Costs More Than the Defaults

Hours calling, visiting, and arguing with buyers in Mile 1, Stadium Road, or Trade Fair who have "forgotten." The time cost alone often exceeds the value of the missed payment.

Time = money you don't get back
❓

No Way to Know Buyer Risk in Advance

You sell to a new Nigerian buyer on trust. They default. You have no way to know if they're doing the same with three other merchants in the same market row.

Blind credit decisions
⚖️

Disputes With No Evidence

"I paid that instalment two weeks ago." Without a digital record and SMS confirmation from Squad, you cannot prove otherwise — and you cannot win the argument.

No evidence = no leverage
📉

Lost Sales — Buyer Has Only ₦20K Today

A customer walks away from an ₦80,000 phone because they can't pay full price. You lose the sale. A competitor offering Pay Small Small wins it and scales faster than you.

Revenue capped by purchasing power
😵

Capacity Ceiling at 15–20 Buyers

You are managing instalment customers in your head and in a book. Adding more feels overwhelming. You start turning people away. Your business stagnates while demand grows.

Growth blocked by admin overhead
  The Binoova Solution

The Complete Pay Small Small Infrastructure
for Nigerian Merchants

One subscription. Your own branded merchant storefront. Automated instalment enforcement via Squad. Buyer scoring. Zero paperwork. Money directly to your bank.

Automated Instalment Enforcement via Squad

Once a Nigerian buyer agrees to a payment schedule, the system enforces it automatically via Squad. Cards are debited on each agreed date. Missed payments trigger instant alerts to the buyer. Money arrives directly in your Nigerian bank account — no chasing, no manual collection.

Set once. Runs forever. Squad-powered.

Your Own Branded Nigerian Merchant Storefront

Get a professional subdomain — e.g. chike-phones.binoova.com — with your Nigerian business name, logo, and product listings. Buyers browse your store, select items, and agree to instalment terms digitally. No website needed. Live within 48 hours.

Professional from day one in Nigeria

Digital Agreement Records

Every deal is logged with a timestamped digital agreement. Both parties have proof. Disputes disappear permanently.

Merchant & Buyer Dashboards

You see all active deals, payment statuses and forecasts. Nigerian buyers see exactly what they owe and what they've paid.

Configurable Terms & Default Fees

Set your deposit requirement, instalment frequency, and default penalties freely. The system enforces your rules automatically.

Squad-Powered Money Flow

All payments remit directly to your Nigerian bank account via Squad (GTCO/HabariPay). Binoova never holds or routes your funds.

  What Nigerian Merchants Can Sell

Pay Small Small Works for Any High-Value Product in Nigeria

From Stadium Road phones to Trans-Amadi furniture — Binoova BNPL supports every Nigerian product category where buyers need payment flexibility.

Phones Nigeria
📱

Phones & Electronics

Sell iPhones, Samsung, laptops and gadgets on 3–12 month plans. Most popular in Stadium Road, Computer Village and Oil Mill Market.

Most popular category in Nigeria
Land Nigeria
🏡

Land & Property

Manage long-term land payment plans with monthly or quarterly schedules. Digital agreements protect buyer and seller legally in all Nigerian states.

Long-term plans supported
Furniture Nigeria
🛋️

Furniture & Appliances

Fridges, generators, sofas, beds — offer instalment plans for big-ticket household items and close every sale in Trans-Amadi or Timber Market.

High-ticket ideal
Vehicles Nigeria
🚗

Vehicles & Okada

Okada, tricycles (keke napep) and second-hand cars. Set weekly or monthly instalment plans with automated Squad debit and real-time tracking.

Flexible frequency
Wholesale Nigeria
📦

Wholesale & Bulk Goods

Offer trade credit to small Nigerian retailers buying stock in bulk. Automated tracking replaces informal credit agreements with verifiable records.

Trade credit digitised
School Fees Nigeria
🎓

School Fees & Services

Schools and tutors can collect fees on termly instalment schedules with automated Squad receipts and reminders for every Nigerian parent.

Termly plans available
  Before & After

Manual Pay Small Small vs Binoova

The real difference digital infrastructure makes for Nigerian merchants who sell on credit.

✗
Deals tracked in notebooks and WhatsApp chats

No structure. No proof. No way to escalate a missed payment with evidence.

VS
✓
Digital agreements with Squad-verified records and SMS confirmations

Every naira payment logged, confirmed, and accessible to both parties at any time.

✗
Chasing buyers by phone and visiting markets — hours wasted every week

Time spent chasing is time not spent selling. The cost is invisible but enormous.

VS
✓
Automatic Squad card debit on agreed dates + instant alerts for missed payments

The system enforces the schedule. You review the dashboard. Nothing to chase.

✗
Lost Nigerian sales because buyers can't pay full price upfront

Buyers walk. Revenue stays capped by purchasing power, not demand.

VS
✓
Every Nigerian buyer can afford your products on a plan — you close every sale

Extend your market to buyers with ₦20K deposits on ₦100K products. Revenue grows.

✗
No financial visibility — you don't know what's coming in next month

Cash flow is a mystery. Planning is guesswork. Restocking is risky.

VS
✓
Live dashboard shows all upcoming naira collections and outstanding balances

You know exactly what is coming in. You plan. You restock confidently. You grow.

  The Process

5 Steps from Subscription to First Nigerian Sale

Go from sign-up to active merchant storefront in 48 hours. Nationwide across Nigeria.

1
Subscribe & Get Your Storefront

Pay annually. Complete Squad KYC (BVN, ID, bank details). Branded subdomain live within 48 hours.

2
Configure Your Nigerian Terms

Set deposit amounts, instalment frequencies (daily/weekly/monthly), and default fees. Fully flexible.

3
Buyer Agrees to a Plan

Buyer reviews the deal, adds a debit card, and digitally agrees to the payment schedule on your branded page.

4
Squad Auto-Debits on Schedule

Squad charges the buyer's card on each agreed date. Money lands in your Nigerian bank account instantly.

5
Scores & Analytics Build

Buyer scores improve with good payments. Your dashboard tracks everything. Your business grows on data.

1
Subscribe & Get Your Storefront

Pay annually. Complete Squad KYC. Branded Nigerian subdomain live in 48 hours.

2
Configure Your Terms

Set deposits, frequencies, default fees and product listings. Fully flexible.

3
Buyer Agrees to a Plan

Buyer adds card and digitally accepts the payment schedule on your branded page.

4
Squad Auto-Debits on Schedule

Squad charges the buyer. Money hits your Nigerian account directly. No chasing.

5
Scores & Analytics Build

Buyer scores and dashboard analytics grow with every transaction.

  Buyer Scoring System

Know Who to Trust Before You Extend Nigerian Credit

Every Nigerian buyer builds a payment score on your merchant account with every Squad transaction. Protect your business with data, not gut feeling.

Scores Build Automatically

Every on-time payment improves the score. Every missed payment reduces it. No manual input required from you.

Private to Your Merchant Account

Buyer scores are scoped to your Nigerian business — not shared externally or across other merchants.

Protect Your Business Over Time

Repeat defaulters are visible immediately. High-scorers earn trust for larger future deals and better terms.

Buyer Payment Score Overview
NO
Ngozi Okonkwo
3 completed deals · 1 active
92
Payment ScoreExcellent
On-Time Rate96%
AD
Amaka Dike
1 active deal · 2 missed
55
Payment ScoreNeeds Attention
On-Time Rate64%
EE
Emeka Eze
2 completed deals · 1 active
78
Payment ScoreGood
On-Time Rate83%

From Nigerian Merchants Who Use Binoova

Real results from merchants across Port Harcourt, Lagos, Abuja and beyond.

★★★★★
“

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 now, 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 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 using it. My business is now properly organised.

Emeka Ike
Emeka Ike
Furniture Merchant, Port Harcourt
★★★★★
“

I sell land in Rivers and Imo States. Managing 40 buyers' payment plans in a notebook was a nightmare. Binoova gave me a dashboard where I see everything — who is on track, who is late, what is due next week. Completely changed my business.

Adaeze Nwosu
Adaeze Nwosu
Property Seller, Rivers & Imo States
  Pricing

Simple Nigerian Merchant Pricing

Annual subscription in Naira. No per-transaction fees from Binoova. No surprises. Just growth.

Basic — Nigeria
₦30,000/yr
or ₦3,500/month

For individual merchants starting with Pay Small Small

  • Up to 500 buyers
  • Branded merchant storefront subdomain
  • Merchant & buyer dashboards (web & mobile)
  • Custom payment schedules
  • Squad auto-debit & missed payment alerts
  • Buyer payment scoring
  • Configurable default fees
  • SMS confirmations (units purchased separately)
Get Started
Enterprise — Nigeria
₦100,000/yr
or ₦10,000/month

For high-volume Nigerian merchants with 500+ buyers

  • Unlimited buyers
  • Everything in Basic
  • Dedicated Nigerian account manager
  • Priority onboarding support
  • Advanced business analytics
  • Team sub-accounts
  • Auto-upgrade from Basic
  • Custom integration support
Get Started

 SMS units purchased separately. All subscriptions annual upfront. Squad API onboarding included at no extra Binoova charge.

Sell More. Chase Less. Grow Faster Across Nigeria.

Join Nigerian merchants who have transformed their instalment sales with Binoova. Your products. Your terms. Your money — paid directly to your Nigerian bank account via Squad.

Start as a Merchant WhatsApp Us