Replace outdated 2005 Windows software, paper ledgers, and clumsy spreadsheets. Payvo is the modern cloud platform that automates payment schedules, guarantor records, and WhatsApp reminders — starting at ₦5,000/month.
Cloud-based • Access on mobile or PC • From ₦5,000/month • Keep 100% of your sales margin
Offering "Pay Small-Small" terms drives 3x more sales, but manual collection and outdated software lead to defaulting customers and lost cash flow.
Old software like Timeline or Optech is stuck on one desktop in your showroom. You cannot check customer balances from home or on your phone. If that computer crashes or gets infected, your entire business history vanishes.
Payvo runs securely in the cloud. Check customer balances, record down payments, and inspect overdue accounts directly from your smartphone, tablet, or showroom laptop with automated daily cloud backups.
Third-party BNPL apps charge exorbitant merchant fees and reject 80% of everyday Nigerian customers because of rigid bank underwriting criteria. You lose both margin and sales.
Payvo is your private in-house installment management engine. You set the down payment, the weekly/monthly installment amount, and repayment duration. You keep 100% of the interest and sales price.
Buyers genuinely forget payment dates when nobody reminds them in advance. Chasing overdue payments manually via phone calls creates friction and burns showroom staff hours.
Payvo sends polite, automated WhatsApp notifications to customers 3 days before an installment is due. When they pay, an instant branded receipt is delivered to their WhatsApp with remaining balance clearly stated.
Why modern vehicle and electronics merchants are upgrading their sales operations to Payvo.
| Feature | Payvo Cloud | Legacy Windows Tools | Fintech BNPL |
|---|---|---|---|
| Pricing Model | From ₦5,000 / month | ₦80k – ₦150k one-off | 3% - 5% of every sale |
| Mobile Access (Phone/Tablet) | Full Mobile Dashboard | Desktop Only | Customer App Only |
| Customer Approval Rate | 100% Your Decision | 100% Your Decision | <25% Approved |
| WhatsApp Automated Alerts | Native QR Integration | None | Generic Push Notifications |
| Guarantor & Asset Tracking | VIN / Serial Number + Docs | Basic text field | Bank BVN only |