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 reportsMove money everywhere your business needs it to go.
Multi-currency wallets, bulk payouts, virtual cards, and embeddable checkout — all connected, all in Paycape.
One business.
Four currencies.
Hold NGN, USD, GBP & EUR in separate wallets. Switch in one click. No middleman, no margin theft.
Virtual business cards
Issue cards for your team. Link to subscriptions and expenses. Control spend limits directly from Paycape.
Bulk payouts
Upload a CSV. Review live FX rates. Pay hundreds of vendors, contractors, or affiliates in one click.
Split payroll & custom schedules
Different staff, different pay cycles — weekly, bi-weekly, monthly. Split by department or project.
Embeddable checkout
Drop Paycape's Flutterwave-powered checkout on any website, landing page, or link. Card, bank transfer, USSD — one embed code, every Nigerian payment method covered.
Explore checkoutEverything from raising an invoice to closing your books.
Receivables, payables, inventory, projects, documents, portals, and automation — the full operating system for how Nigerian businesses actually work.
Receivables
Raise professional invoices and quotes. Multiple payment options, automated reminders, and online links — your clients pay faster.
Payables
Track vendor bills and expenses. Add recurring expenses, tag by project, and include client expenses directly on invoices.
Inventory
Track stock in real time. Auto-update as you buy or sell. Set reorder points and get alerts before you run out.
Project billing
Send project quotes, accept partial payments, log time, and bill for resources or expenses attached to a project. Your clients always know exactly what they're paying for.
Explore projectsAutomation
Trigger emails, notifications, and actions on schedules — so routine work happens without anyone touching it.
Collaboration & portals
Assign roles. Customers and vendors get portals. Invite your accountant directly.
Document management
Upload and store all documents in one place. Attach to invoices, bills, and purchase orders. Forward receipts by email — Paycape auto-extracts and converts to transactions.
Explore documentsCash till
Record cash payments the traditional way. Click an invoice, mark as paid — partial or full. Online payments auto-update. No double-entry, ever.
Customer portal
Give each client a dedicated portal to view quotes, invoices, sales orders, and statements. They pay online without calling you.
Your 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.