Invoices
Invoices that actually get paid.
Send branded invoices with a pay link. PayIQ reminds your customers on WhatsApp and email for you.
No more begging customers to pay.
PayIQ Business is coming soon
Run your business money in one place.
Get paid, pay your team and keep your books ready for your accountant. Built for Nigerian SMEs.
Free plan available
9:41
PayIQ Business is one account for Nigerian SMEs to get paid, pay people and see the real state of their money, without five apps and a notebook.
Everything your business needs to move money well.
Payroll
Pay your whole team in a few taps.
Add your staff once. PayIQ works out PAYE, pension and NHF, pays everybody and sends their payslips.
No more salary-day spreadsheets.
Books & reports
Books that keep themselves.
Every transaction lands in your books. See profit and loss, cash flow and VAT without opening Excel.
No more end-of-year scramble for your accountant.
Approvals
Decide who spends, and how much.
Set approval rules by amount, give every staff the right role, and see a full record of who did what.
No more surprise debits.
Team cards
Cards for your team, with limits.
Give each team a naira virtual card with its own limit. Top it up from your account and freeze it in one tap.
No more sharing one card with everybody.
Introducing Ibra
Just talk. Ibra understands.
Ibra is the AI inside PayIQ. Type or speak in English or Pidgin, and get answers like a friend who is good with money.
Chat mode
Ask anything about your money and get a straight answer, with the details ready to act on.
A voice conversation with Ibra. You ask: Who still owes us money? Ibra answers: Three customers owe ₦1.2m. Adebayo Stores is the oldest, 21 days overdue.
Voice mode
Tap and talk, hands free. Ibra answers out loud, and you can interrupt any time.
Who owes you?
Ask and Ibra lists overdue invoices, oldest first.
Draft invoices
Say who to bill and for what. Ibra drafts it for you to send.
Monday briefing
A short summary of your cash every Monday morning.
Voice recordings are deleted as soon as Ibra reads them.
AI-powered money
Smart help, built into every screen.
PayIQ uses AI quietly in the background, so you spend less time on money admin.
Cash flow, ahead of time
See where your balance is heading before it gets tight.
Payroll, prepared
Ask Ibra to get payroll ready. Tax and pension worked out for you to approve.
Receipt capture
Snap receipts. We read them and keep them with the expense.
Who owes you?
Ibra lists overdue invoices, oldest first, and offers to chase them.
Invoices that add up
VAT and totals worked out as you type.
Categories suggested
Every transaction gets a suggested category for your books.
Storefront
Your shop, open online.
Set up an online shop or a restaurant menu from the app. Customers order on the web and the money lands in your PayIQ Business account.
yourshop.payiq.site
A shop on its own link
Pick a template, add your brand and share one link. You can use your own domain too.
Run it from your phone
Add products, watch your stock and follow every order from new to delivered.
Shop or restaurant
Sell products with courier delivery, or take menu orders at the table with a QR code.
Paid by transfer
Shop payments are held until the order is delivered, so buyers can pay with confidence.
Orders in one place
Every order, customer and payment sits beside your invoices and your books.
Every shop is reviewed by PayIQ before it goes live.
Pricing
Simple pricing, starting free.
Every paid plan comes with a 7-day free trial. Pay yearly and get two months free.
Free
Free
Free forever
Your business account, a shop and simple records.
- 1 user and 1 account
- 1 virtual card
- 5 invoices a month
- Online shop with 20 products
- Ibra insights
BusinessMost popular
₦145,000/year
Two months free
For teams with staff, approvals and payroll.
- Up to 10 users and 5 accounts
- 10 cards with spend policies
- Payroll for up to 10 staff
- Approvals and reminders
- Cash flow, VAT and WHT
Scale
₦380,000/year
Two months free
For growing companies that need control at every level.
- Unlimited users, accounts and cards
- Unlimited payroll
- Custom roles and signing mandates
- A dedicated account manager
Control & security
Every naira, every person, accounted for.
PayIQ Business gives you control over who can see and move money, with a full record of everything.
004Getting started
Open your business account in four steps.
Registered business name or limited company, you can be ready in one sitting.
- 01Step 1
Join the waitlist
Tell us about your business. Waitlist members get in first.
- 02Step 2
Download PayIQ Business
Sign up on Android or iOS with your phone number.
- 03Step 3
Verify your business
Add your CAC details and your directors’ BVN.
- 04Step 4
Invite your team
Give each person a role, set approval rules and start.
006FAQs
Common questions
No. PayIQ is a financial technology company. Business accounts are opened and held with Safe Haven Microfinance Bank Limited, which is licensed by the Central Bank of Nigeria.
Have any other questions?
Contact us
Be the first to get PayIQ.
Join the waitlist and we’ll email you as soon as the app is ready. No spam.