Trusted by 500+ Ghanaian Businesses

Professional Invoicing. Free Forever.

Create unlimited invoices, track payments, and manage clients—completely free. Pay only for premium AI features and SMS when you need them.

Start Free ForeverSee How It Works
No credit card required
Unlimited everything
Ghana tax compliance

Dashboard Screenshot

Professional invoice interface

0+

Active Businesses

0+

Invoices Generated

GH₵ 0M+

Processed Monthly

KM

“Finally, invoicing software that doesn't charge me monthly fees! I've created over 200 invoices this year—completely free. The Ghana tax compliance is perfect.”

Kwame Mensah

Freelance Designer, Accra

Tired of monthly fees for basic invoicing?

❌ Paying GH₵50+ monthly for basic features

❌ Limited invoice quotas on "free" plans

❌ No Ghana-specific tax compliance

❌ Forced upgrades for Mobile Money support

Payo is different.

Free Forever

Everything you need. No monthly fees.

Core invoicing features that remain free forever

Unlimited InvoicesFREE
Create unlimited proformas and invoices. No quotas, no restrictions. Professional PDF generation included.
Unlimited ClientsFREE
Manage unlimited clients with contact details, payment history, and outstanding balances. Full CRM features.
Ghana Tax ComplianceFREE
Automatic VAT, NHIL, GETFund, COVID levy calculation. Standard (21.9%) or Flat (4%) schemes supported.
Payment TrackingFREE
Track full payments, partial payments, and deposits. Automatic receipt generation. Complete payment history.
Mobile Money IntegrationFREE
MTN MoMo, Vodafone Cash, AirtelTigo integration. Accept payments the way Ghanaians pay.
Client Portal & SharingFREE
Clients can view invoices online, accept proformas, and see payment status. No login required—just shareable links.
Premium Credits

AI-powered features. Pay only when you use them.

Optional premium features that use credits—no monthly subscriptions

AI Error Checking1 Credit
Smart AI reviews your invoices before sending, catching errors, missing information, and pricing inconsistencies.
AI Payment Reminders0.5 Credits
Generate personalized payment reminders with the right tone based on overdue days. Smart messaging that gets results.
Bulk SMS Reminders0.1 Credits
Send payment reminders via SMS and WhatsApp. Reach clients instantly on their phones.
More AI FeaturesComing Soon
Smart invoice templates, automatic follow-ups, payment predictions, and expense categorization—all powered by AI.

Sample Credit Pricing

Pay only for what you use

GH₵ 20

≈ 20 credits

GH₵ 50

≈ 55 credits

GH₵ 100

≈ 115 credits

Simple. Free. Powerful.

1

Sign Up Free

Create your account in 30 seconds. No credit card required. Start creating invoices immediately.

2

Create & Send

Build professional invoices with Ghana tax compliance. Send via email or WhatsApp—all free.

3

Add Credits If Needed

Only pay for AI features and SMS when you want to use them. No monthly fees, ever.

Start Free Forever

Perfect for

Freelancers & Consultants
Unlimited invoices—no monthly fees
Professional branding with your logo
MoMo payments from clients
Optional AI reminders when needed
Small Businesses
Save GH₵600+ annually on invoicing
Complete client management
Ghana tax compliance built-in
Scale up with AI features as you grow

Frequently Asked Questions

Is Payo really free forever?

Yes! All core invoicing features (unlimited invoices, clients, payments, PDF generation, Ghana tax compliance) are completely free forever. You only pay for premium AI features and SMS when you choose to use them.

How do credits work?

Credits are only used for premium AI features (like smart error checking and automated reminders) and SMS sending. You buy credits when you need them— no monthly subscriptions. Credits start from GH₵20 for 20 credits.

Are there any limits on the free plan?

No limits! Create unlimited invoices, manage unlimited clients, send unlimited emails, generate unlimited PDFs. The only limitation is that advanced AI features and SMS sending require credits.

What if I don't need AI features?

Perfect! You can use Payo completely free forever. Create professional invoices, track payments, manage clients, and accept Mobile Money payments— all without spending a single pesewa.

Can clients pay via Mobile Money?

Yes! We support MTN MoMo, Vodafone Cash, and AirtelTigo. Your clients can pay directly via Mobile Money, and you can track all payments in your dashboard—completely free.

Start invoicing for free today

Join 500+ Ghanaian businesses who've ditched monthly fees forever

Create Free Account

No credit card required • Unlimited invoices • Free forever