Get paid faster. From anywhere.
Create professional invoices. Track payments. Send reminders automatically. Manage school fees. Use the web dashboard, WhatsApp bot, or both. Free forever.
Free forever • Unlimited invoices • GH₵ 5 welcome credits
On Your Phone
Manage everything from WhatsApp
Payo Bot
online
TODAY
Message
On Your Computer
Full dashboard for setup & reports
usepayo.app/dashboard
Real-time reports
PDF templates
Client management
Tax & settings
Two ways to use Payo. Use the one that fits the moment.
The bot that actually does the work
Tap a menu. Pick a client. Done. No typing. No switching apps. No training needed. Just WhatsApp, the way you already use it.
Create & Send Invoice
Type the client name and amount. Payo handles VAT, formatting, PDF, and delivery via WhatsApp.
You type:
“Invoice Kofi 500”
Payo does:
Bill An Entire Class
Pick a class, pick a term, pick a template. Payo generates bills for every student instantly.
You tap:
Payo does:
Smart Payment Recording
Client pays — Payo distributes the payment across outstanding invoices automatically.
You type:
“Paid Fadila 5600”
Payo does:
No App To Install
WhatsApp is already on your phone
Works Offline*
Messages queue when signal returns
Bank-Grade Secure
Your data, encrypted end-to-end
Tap. Not Type.
Pickers everywhere — zero training
Send Hi to +233 54 924 3182 to see the bot live, or:
One platform. Two powerful modes.
For Businesses
Freelancers, SMEs, service providers.
For Schools
Private schools, colleges, academies.
You decide who pays the online payment fee
When clients or parents pay online, the 1% fee (capped at GH₵ 30) can be absorbed by you or passed to the client as a convenience fee. Your choice. Change it anytime.
Most businesses pass the fee to clients — making Payo effectively free to use.
This changes everything
Seconds
to generate fees bills for your entire class.
What used to take days of handwriting now takes seconds. Pick a class. Pick a term. Pick a fee template. Done.
0
paper bills
0
bank queues
Free
to use
Stop chasing payments.
Set up in 2 minutes. Start billing today. From WhatsApp.
No credit card • No monthly fees • GH₵ 5 welcome credits
Questions? Try the bot:
“I built Payo to help Ghanaian businesses grow without expensive software. My only request? If it helps you, please tell one other business owner or school proprietor about us. That is how we keep Payo affordable for everyone.”
— Musah Tachie, Founder