Everything Payo can do

Run it all from WhatsApp. Manage everything from the web.

The first WhatsApp-native billing platform built for Ghana. Bot for daily use. Dashboard for setup. Free forever for core features.

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💬 WhatsApp Bot📄 Core Features🏫 School Features⚡ Credit Features
WhatsApp Bot

Your WhatsApp business assistant

Run your billing from chat. Tap menus instead of typing. The bot adapts to whether you're a freelancer or a school bursar.

Try it now: Send Hi to +233 54 924 3182

Create Invoices From ChatKILLER FEATURE
Type a client name, an amount. Done. Or tap the menu — pick a client, pick a mode, confirm. The bot adapts to how you want to work.
  • Quick mode: single amount
  • Detailed mode: multiple line items
  • Auto-create new clients inline
  • Bot sends invoice to client automatically
Record Payments In Seconds
Bursar gets paid? Tap, tap, done. Payments are automatically distributed across outstanding invoices using the oldest-first rule.
  • FIFO distribution (oldest debt first)
  • See exactly where each cedi went
  • Safety preview before confirming
  • Receipts auto-sent to clients
Generate Class Bills From WhatsApp
School bursar can bill an entire class without opening the web app. Pick class, term, template, confirm. Done.
  • Tap-only flow — no typing
  • Scholarships applied automatically
  • Skip students already billed
  • Send to parents immediately or save as draft
Send Reminders With One Tap
Pick a client or pick a whole class. Bot generates the message, picks the right tone, and sends it via WhatsApp or SMS.
  • AI adjusts tone based on overdue days
  • Bulk send to whole class with cost preview
  • Smart-sized batches (≤5 instant, more queued)
  • Detailed delivery reports
Check Status On The Go
Type "balance" to see who owes you. Type "fees JHS 1" to see class collection. Quick answers when you need them.
  • Outstanding balance summary
  • Class fees collection rate
  • Daily summary of activity
  • Smart client / parent search
Buy Credits Without Leaving WhatsApp
Need to top up? Send "top up". Bot shows packages, you pick one, get a secure Paystack link, pay. Credits added instantly.
  • No app to download, no web to open
  • Pay via MoMo or card
  • Credits added immediately
  • WhatsApp confirmation sent back
Free Forever

Core features. Always free.

No credit card. No monthly fee. No limits on what matters.

Unlimited Invoices & Proformas
Create as many invoices and proforma invoices as you need. No quotas, no limits. Professional PDF generation included with every invoice.
  • Proforma to invoice conversion
  • Duplicate existing invoices
  • Multiple PDF templates (Classic, Modern, Professional)
  • Custom logo and branding
Client Management
A full client database built into your invoicing workflow. Every client, every transaction, always at your fingertips.
  • Unlimited client records
  • Outstanding balance tracking
  • Full payment history per client
  • Add new clients from WhatsApp bot
Ghana Tax Compliance
Built specifically for the Ghanaian tax system. Every levy, every rate, calculated automatically every time.
  • VAT (15%), NHIL (2.5%), GETFund (2.5%)
  • Standard Rate (21% total)
  • Flat Rate scheme (4%)
Payment Tracking
Record every payment — full, partial, or deposit. Automatic FIFO distribution across multiple invoices. Complete audit trail.
  • Full, partial, and deposit recording
  • FIFO distribution across invoices
  • Automatic PDF receipts
  • Distribution preview before confirming
Mobile Money Integration
Accept and record payments the way Ghanaians actually pay. MTN MoMo, Vodafone Cash, and AirtelTigo all supported.
  • MTN MoMo
  • Vodafone Cash
  • AirtelTigo Money
  • Bank transfer and cash recording
Client Portal
Every invoice gets a shareable link your client can open on any device. No login required on their end.
  • View invoice online
  • Accept proformas digitally
  • See payment status in real time
  • Mobile-friendly on any device
Online Invoice PaymentsNEW
Clients pay your invoice instantly online. Powered by Paystack. Funds settle directly to your account.
  • Card payments
  • MTN MoMo, Vodafone Cash, AirtelTigo
  • Bank transfer
  • 1% platform fee — capped at GH₵ 30 per transaction
Invoice Templates
Choose from three professionally designed invoice templates. Customize colours and fonts to match your brand.
  • Classic template
  • Modern template
  • Professional template
  • Custom brand colours and fonts
Proforma Invoices
Send quotations and estimates before the work begins. Convert to a full invoice with one click when the client confirms.
  • Professional proforma generation
  • Client acceptance via link
  • Deposit recording
  • One-click invoice conversion
Dashboard & Reporting
See your business at a glance. Revenue, outstanding invoices, overdue payments, and recent activity — all on one screen.
  • Revenue summary
  • Outstanding invoice tracking
  • Overdue invoice alerts
  • Payment history overview
Activity Logging
Every action on every invoice is tracked. Know exactly when an invoice was sent, viewed, paid, or reminded.
  • Invoice created and sent timestamps
  • Client viewed confirmation
  • Payment recorded log
  • Reminder sent history
Overdue Detection
Payo automatically detects overdue invoices every day. No manual checking required. The dashboard always shows you what needs attention.
  • Automatic daily detection
  • Overdue badge on invoice
  • Dashboard overdue count
  • Days overdue calculation
For Schools

Everything a school needs to collect fees

Built for private schools, colleges, and academies in Ghana. Core school features are free forever.

Seconds

to generate fees bills for your entire class. What used to take days now takes seconds.

Student Management
Add students individually or import your entire list from Excel in seconds. Every student linked to a parent, a class, and a scholarship record.
  • Add students one by one or import from Excel
  • Link each student to a parent or guardian
  • Track scholarship percentages automatically
  • Student ID and enrollment tracking
Class & Term Management
Organise your school by academic year, term, and class. Create once, reuse every term.
  • Create classes (JHS 1, SHS 2, etc.)
  • Set up academic years and terms
  • Assign students to classes
  • Move students between classes easily
Fees Templates
Create a template once — tuition, feeding, books, PTA — and reuse it every term. Change amounts anytime without affecting past bills.
  • Reusable fee structures per class
  • Multiple line items (tuition, feeding, transport)
  • Update amounts each term
  • Different templates for different classes
Bulk Bill GenerationKILLER FEATURE
Select a class, select a term, click generate. Hundreds of bills in seconds. Scholarships applied automatically. Or do it all from WhatsApp.
  • Generate an entire class in one click
  • Scholarship discounts applied automatically
  • Duplicate prevention (no double billing)
  • Full bursary students handled correctly
Parent Notifications
Send fees bills directly to parents via WhatsApp, SMS, or email. Each message includes the student name, amount, and a payment link.
  • WhatsApp messages — GH₵ 0.50 each
  • SMS messages — GH₵ 0.20 each
  • Email with PDF attachment
  • Bulk send to entire class at once
Fee Collection Tracking
See exactly how much has been collected and who is owing — by class, by term, or for the entire school. Real-time collection rates.
  • Collection rate per class
  • Outstanding balance per student
  • Defaulters list with one click
  • School dashboard with term overview
Set Up My School — Free

No credit card. No monthly fee. Get GH₵ 5 free credits on signup.

Ready to get started?

Free forever for core features. GH₵ 5 free credits on signup to try AI and WhatsApp.

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