Built for Nigerian Installment Commerce

Stop Chasing Debtors.
Automate Every Installment.

Track customer balances, auto-generate official PDF receipts, and remind clients on WhatsApp - built specifically for Nigerian real estate, auto dealerships, and credit businesses.

Get Started Free Book 1-on-1 Demo
100% Free Plan No credit card needed Free Excel migration
Trusted by 500+ Nigerian businesses managing ₦150M+ monthly

WhatsApp Due Alert

Delivered Instantly 3-Day Reminder

Official PDF Receipt

₦150,000 Paid Auto-Generated
app.payvo.ng/dashboard
Payvo CRM Dashboard Preview
Built for Nigerian installment commerce • Seamlessly integrates with:
Paystack Gateway
Direct Bank Transfers
WhatsApp Automation
Instant PDF Receipts
NDPR Compliant
Tailored Solutions

Built Specifically for Your Industry

Stop trying to force generic accounting tools or fragile spreadsheets. Payvo is engineered around the exact workflows of Nigerian installment sellers.

Real Estate & Land

Plot allocation mapping, eliminate double selling, automate WhatsApp payment receipts, and issue realtor access codes.

Explore Real Estate

Hire Purchase & Auto

Asset VIN & serial binding, flexible weekly/monthly schedules, guarantor tracking, and 3-day WhatsApp due alerts.

Explore Hire Purchase

FinTech & Micro-Credit

Zero transaction cuts, zero BVN rejection wall, custom interest terms, and dedicated loan officer tracking portals.

Explore Credit & Cooperatives

Solar & Clean Energy

Inverter capacity and battery serial tracking, automated collection reminders, and predictable cash flow.

Explore Solar Financing
System Showcase

Explore Payvo in Action

Take a visual tour of our clean, intuitive interfaces designed to streamline your business tracking.

Interactive Tour

Explore Workflows

https://payvo.ng/dashboard
Dashboard Mockup
Interactive Tool

Simulate Your Repayment Plan

Drag the sliders below to calculate how down-payments and installments look in real-time. Experience Payvo's mathematical precision.

Plan Parameters

Repayment Forecast

Estimated Down Payment ₦1,000,000
Financed Principal ₦4,000,000
Processing/Setup Fee (1%) ₦50,000
Installment Amount ₦333,333/mo

Expected First 3 Installments

Save Repayment Schedule

Create your free account today. We will pre-generate your sample contract PDF and message you on WhatsApp to setup your dashboard.

Core Features

Designed to streamline sales tracking

Get rid of spreadsheets, handwritten ledger files, and late client collections. Track operations cleanly.

Contract Automation

Generate purchase contracts with customized down-payments and dynamically calculated monthly or weekly payment schedules instantly.

Customizable Receipts

Format professional payment receipts using classic, modern, or minimal styles. Generate, download, and share as images or print directly.

Automated Email Reminders

Reduce late collections. The system automatically detects upcoming or past-due client accounts and emails friendly payment reminder notices.

Weekly & Monthly Email Reports

Get automated weekly and monthly summaries of your collection rates, active defaults, and sales progression sent directly to your manager email.

WhatsApp Broadcasts

Broadcast announcements, update notices, or bulk messages to all your clients simultaneously via WhatsApp. Keep customers engaged with direct, high-open-rate communication.

Staff Access Management

Control team access. Assign specific client portfolios to different sales agents. Team members only view their allocated accounts, while managers keep complete oversight.

Who is it for?

Designed for businesses tracking payment schedules

Tailored layouts and automations built to serve diverse industries handling high-value assets and custom installments.

Real Estate Developers

Track sold land plots, estate houses, and customized down-payments. Easily calculate weekly or monthly schedules dynamically without human calculation errors.

  • Property & unit number separation
  • Flexible contract term generation
  • Professional payment receipts

Asset & Vehicle Dealers

Streamline hire-purchase and lease-to-own billing. Automatically track client balance statuses, print professional transaction receipts, and receive immediate alerts on collections.

  • Custom receipt styles & templates
  • Auto-generated client reminder triggers
  • Centralized transaction auditing

Schools & Memberships

Track academic tuition payments or recurring membership subscriptions. Setup multi-month durations and send personalized email announcements directly.

  • Multi-month plans & automated pricing
  • Welcome template delivery on signup
  • Weekly & monthly performance digests

Retail & Furniture

Offer flexible pay-over-time options for appliances, electronics, furniture, or solar kits. Monitor installment schedules and log customer balances seamlessly.

  • Asset serialization & stock logging
  • Custom down-payment configurations
  • Automatic balance recovery alerts

Professional Services

Manage milestone-based payment plans, structured consulting retainers, or legal service contracts with customizable payment schedule splitting.

  • Milestone contract tracking
  • Retainer balance tracking
  • Sales progression analysis

Other Businesses

Fully adaptable to any business model requiring recurring collection schedules, custom split-billing, or structured payment milestone tracking.

  • Fully flexible billing plan durations
  • Dynamic payment receipt styling
  • Multi-agent portfolio allocation
Digital Experience

Designed for modern collection teams

Payvo replaces disjointed spreadsheets with a central hub that tracks customer payments, invoices, and contracts smoothly.

500+ Active Companies
₦150M+ Payments Audited
10k+ Active Installments
Payvo Audit Workflow
Our Blog

Latest Articles & Insights

Stay informed with our latest news, operational advice, and system updates.

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Branded receipt layout preview
Questions & Answers

Control all your bills & payments

Got questions about how Payvo manages contract pricing and billing plans? Here are our quick answers.

Is there a free plan?

Yes! Every new business starts on our 100% Free Plan with up to 3 active installment contracts. No credit card is required, and there is no expiration date. When your business is ready to scale, you can upgrade to Starter from ₦5,000/month.

Can I import existing contracts?

Absolutely. Managers can bulk-create existing contracts and retroactively log previous installment payments in the dashboard.

How are email reminders sent?

The system monitors upcoming payments and automatically triggers email notices to clients without requiring manual drafting.

Can I disable email notifications for bulk payments?

Yes, bulk payment operations do not trigger client notifications, whereas single payments send branded digital receipts automatically.