Get paid faster. Run everything smarter.
Start with free invoicing. Add a complete School Management System or POS from the Marketplace. WhatsApp bot included. Free forever for Ghanaian businesses and schools.
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:
Start free. Add what you need.
Payo grows with you. Visit the Marketplace from your dashboard to unlock powerful tools — one click to install, one click to remove. No new accounts, no new logins.
School Management System
The complete system. Free to use.
GH₵ 5 per report card broadcast to parents
How it works
Install from the Marketplace in one click. Use the entire system for free — attendance, students, classes, everything. You only pay GH₵ 5 when you broadcast a report card to a parent via WhatsApp. Uninstall anytime; your data stays safe.
SyntraStore POS
Online point of sale, powered by Payo.
Monthly & yearly plans available at launch
What makes it different
Unlike standalone POS systems, SyntraStore is powered by Payo. When a customer pays partially or defers payment, Payo tracks the balance and follows up automatically via WhatsApp. Your POS and your billing, finally in one place.
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