Manage POS transactions, Ajo, Esusu, customers, collectors, expenses and business records from one simple platform. Know exactly what came in, what went out and what you made.
Stop writing your business records in a notebook. Digitalize your POS transactions, Ajo contributions and daily bookkeeping.
Record cash in, cash out, transfers, deposits, withdrawals, charges, commission and profit automatically calculated.
Completely digitalize the traditional Ajo card and collector notebook. Daily, weekly, monthly contributions.
Complete CRM for your customers. Profile, balance, transaction history, Ajo history, statements.
Generate professional statements with secure shareable links, PDF, print, SMS and WhatsApp.
Customers always know what happened. Send via collector's own SIM or configured provider.
Track collector performance, assigned customers, total collected, branches and commissions.
Head office + unlimited branches. Branch managers see only their branch. Owner sees all.
Register unlimited POS terminals. Track opening, current balance, reconciliation, shortage/surplus.
Rent, fuel, data, electricity, staff salary, transport. Track daily, weekly, monthly profit.
Know exactly what came in, what went out and what you made. Real-time profit calculations.
Income vs expense, POS trends, Ajo collections, branch performance, collector performance.
Keep recording even when network is poor. Automatic sync when internet returns. No duplicates.
The same familiar Ajo card your customers love, now digital, secure, and always accessible. No more lost cards or manual calculations.
Expected total, paid, remaining, completion %
Green = Paid, Yellow = Partial, Red = Missed
Customer gets SMS from your SIM immediately
✋ Manual • Can get lost • No backup
Member: John Doe • KWP-AJO-000123
Contribution: ₦5,000 daily • 30 days
Record once. Calculate automatically. Stay in control. Every transaction creates proper audit trail.
Build trust with transparent records. Every contribution triggers instant notification from your own SIM.
Via collector SIM
Secure link
Auto reminder
📱 Android SIM Gateway: Kowope WordPress → Kowope SMS API → Collector Android Phone → Collector SIM → Customer receives normal SMS using your airtime. Fallback to Termii if SIM offline.
Designed for Nigerian field realities. Collectors work in markets, rural areas, places with poor internet. Kowope works anyway.
Record Ajo, POS, expenses offline
IndexedDB, no data loss
When network returns, sync with duplicate protection
POS Agent, Lagos - Sample testimonial
"Before Kowope I used 3 different notebooks. Now I know my profit every day. My customers trust me more because they get SMS immediately."
POS BookkeepingAjo Collector, Ibadan - Sample
"I collect for 85 women daily. Kowope collection board shows me who paid, who missed. My phone sends SMS using my own MTN SIM. No extra cost."
Ajo ManagementBusiness Owner, Enugu - Sample
"I have 3 branches and 6 collectors. Kowope gives me branch performance, collector performance, and my accountant loves the reports."
Multi-branchStart free. Upgrade when you grow. No hidden charges. All plans include offline mode and SMS via your SIM.
For growing businesses
For multiple branches
Join 2,500+ Nigerian businesses who replaced their notebook with smart digital bookkeeping. Start free, no card required.