Run your business finances from one modern workspace.
Invoicing, payroll, tax management, expenses, and cashflow — one platform built for Nigerian compliance and African business reality.
Everything your business needs to stop bleeding money to disorganised finances.
From the moment a client pays to the end-of-year audit — Paycape handles invoicing, payroll, taxes, expenses, and reports. One platform. No spreadsheets. No WhatsApp panic at month-end.
Payments & Collections
Get your own dedicated business account number. Share your account number on WhatsApp, Instagram, your website — anywhere. Every transfer recorded automatically. No more "did you get my alert?"
Tax-correct invoicing
VAT (7.5%) and WHT auto-calculated per service type. No more calling your accountant to ask how much to add. Just create, send, and get paid.
Explore invoicingTax management
PAYE, VAT, WHT, CIT, stamp duty — tracked in real time. Know what you owe FIRS before the 21st every month. No more panic, no more penalties.
Explore taxPayroll & HR — Nigerian compliant
PAYE, pension (8%), NSITF (1%), NHF (2.5%) auto-calculated using the 2024 Tax Reform Act bands. Payslips emailed to every staff member automatically. What used to take 2 days takes 20 minutes.
Reports & analytics
P&L, cashflow, invoice aging, payroll summary — auto-generated. Export as PDF or CSV. Your bank's SME loan team will be impressed.
Explore reportsYour finance questions, answered instantly.
Ask Paycape's AI Assistant anything about your business finances — in plain English. No accountant needed. No spreadsheet digging. Just ask and get a clear answer from your own data.
From "I don't have time for this" to fully in control — in minutes.
No long onboarding. No IT department needed. Nigerian business owners are up and running with Paycape in under 10 minutes. Here's how:
Create your workspace
Passwordless signup — just your email and OTP. Tell us your business name, pick your industry, and your Paystack virtual account is provisioned automatically. No bank visits, no waiting 5 business days.
Add your team & set up
Invite your finance person, your HR, your accountant — each with the right access level. Upload staff details for payroll. Set your expense categories. Takes 5 minutes, saves 5 hours every month.
Run your business with clarity
Send invoices, run payroll, approve expenses, track tax deadlines — all from one dashboard. Your finances are no longer scattered across WhatsApp, Excel, and three different bank apps.
Start free, upgrade when your team grows
No hidden fees. No per-transaction cuts on your collections. Cancel anytime.
For solo founders getting started.
For growing businesses needing team collaboration.
Full payroll & HR compliance for structured SMBs.
Enterprise-grade for fast-scaling companies.
African businesses that got their finances together with Paycape.
From Alaba market traders to Abuja consultancies — Paycape works for how Nigerian businesses actually operate.
Traders & retailers
No more collecting money into your personal account and tracking sales in a notebook. Separate your business money, track every payment, and reconcile your inventory costs.
Service businesses
Consultants, agencies, law firms — send tax-compliant invoices, handle retainer clients, manage contractor payroll, and have your P&L ready when a client asks for your financials.
Construction & projects
Project-based budgets, staff payroll, WHT on contractor payments, and expense tracking per site. Every naira accounted for across every project.
Growing companies
When you have 10+ staff, 50+ clients, and FIRS is starting to pay attention — Paycape gives your finance team the tools to stay compliant and your management team the visibility to grow.
"I'm a small business owner. I don't have a CFO or a finance team. Paycape is literally my CFO. I open it in the morning and I can see exactly how much money the business made, what went out, and what taxes I owe FIRS. It used to take me three days to figure that out every quarter."
"Payroll used to be a two-day ordeal — PAYE calculations, pension deductions, typing payslips manually. Now I click one button on the 25th and Paycape handles everything. My staff receive their payslips by email automatically. I just approve and disburse."
"FIRS came for an audit and I thought my life was over. I opened Paycape, exported our VAT returns, WHT schedules, and payroll records for 18 months — in about 10 minutes. The auditor said our records were some of the cleanest he'd seen from an SME. I nearly cried."
Your business finances shouldn't stress you out.
Join 1,000+ Nigerian business owners who stopped guessing and started knowing exactly where their money is, what they owe FIRS, and whether their business is actually making profit. Start free — no credit card, no wahala.