START
BRAND ASSETS
8 readyLogo, colours and type locked
Logo files4
Channel kits4
One app · built for African commerce
Everything your business does,runs on Klovo.
Build your brand, register your business, launch your storefront and manage customers, orders, payments and delivery from one operating system. Your AI employee works on top to keep everything moving. Upload your goods and watch it run.
Free to start. Set up in minutes. No Klovo bank account required.
Customer order received
“Two jollof combos for Lekki, please.”
Klovo sales assistant
Stock confirmed. Payment request sent. Delivery details captured.
PAID ORDERPAID
Amount confirmed₦4,500
Stock Payment Buyer
Delivery confirmed
Connected infrastructure
Trusted by leading fintechs, banks and institutions globally
Explore the Klovo systemAnchor
Paystack
Flutterwave
Dojah
Smile ID
CAC
Termii
Everything stays connected
One business. One clear operating flow.
A customer message becomes an order, a payment and a delivery record without duplicate entry or disconnected tools. Klovo keeps every step together so you always know what needs attention.
Klovo sales assistantHandles routine customer questions, product checks and order follow-up using the rules you approve. CONNECTED
CustomersKeep conversations, contact details and buying history together. CONNECTED
Orders & storefrontManage products, stock and incoming orders from one catalogue. CONNECTED
PaymentsSend payment links and match every payment to the right order. CONNECTED
DeliveryPrepare pickup details, follow fulfilment and keep the customer informed. CONNECTED
It takes the order — you don't touch a thing.
Customers message in English or pidgin — even a voice note. Your AI understands, checks stock, quotes the price, and closes the sale into a real order. From the caterer on WhatsApp to the thrift seller on Instagram, it sells while you sleep.
KLOVO FINANCIAL OPERATING SYSTEM · 12 CONNECTED MODULESALL SYSTEMS LIVE
The financial operating layer
See the business. Control the money.
One live view of sales, customers, settlements, records and growth signals — with every module connected.
SELL
STORE ACTIVITY
24 products+312 visits this week
Checkout rate4.8%
Orders today14
SELL
CUSTOMERS ANSWERED
12 today9 resolved without handoff
Median reply8 sec
Orders closed3
MONEY
AVAILABLE BALANCE
₦284,650+₦63,000 settled today
Money in · 30d₦812k
Reserved₦0
MONEY
CONFIRMED TODAY
₦63,00014 successful payments
Success rate98.6%
Unmatched0
GROW
CUSTOMER RECORDS
128+12 new this week
Repeat buyers31%
Need a reply2
GROW
CREATIVE QUEUE
5 designs3 approved and scheduled
Next post18:30
Channels2 live
GROW
DISCOVERY ACTIONS
49+18% versus last week
Calls18
Directions31
GROW
REVENUE · 7 DAYS
+18.4%Average order ₦4,500
Best sellerJollof combo
Repeat rate31%
START
BUSINESS PROFILE
CAC readyIdentity details completed
Documents4 ready
Next stepSubmit
GROW
ACTIONS FOUND
3 this weekHighest impact ranked first
Stock alert1
Growth ideas2
MONEY
ELIGIBILITY SIGNAL
72%Based on verified sales history
Trading record92 days
Repayment sourceSales
MODULE 01 / 12 · SWIPE OR SCROLL
Money confirmed, automatically.
A payment link goes out in the chat, the money lands in your own account, and your AI confirms it to the buyer instantly. No screenshots, no 'have you paid?', no chasing — and no Klovo bank account required to start.
- Payment link sent right in the chat
- Paid — confirmed to your buyer in seconds
- Settles to your own account; upgrade to Klovo banking when you want it
The money layer is built into the operation — not bolted on later.
Open a real bank account in minutes — balances, statements, and virtual accounts, built in.
Accounts
Take card, transfer, and mobile money — fast, low-fee, straight into your account.
Payments
Free virtual cards in minutes, physical cards that ship free — branded to your business.
Cards
Working capital that grows with your sales — no paperwork, priced off your own ledger.
Credit
It even arranges delivery.
Your AI calls your rider, gives them the pickup and the drop-off, and tracks the order to your customer's door. The offline last mile no software can reach — your AI employee just handles it, then asks your customer how it went.
Use cases
Built for the way Nigeria actually sells.
From a late-night WhatsApp order to a Saturday salon booking, Klovo keeps the customer, payment and business record connected.
CatererFLOW LIVE
WHATSAPP → PAID ORDERAfter-hours sales
“Customers order on WhatsApp at 11pm and Klovo takes the payment before I even wake up.”
Amaka O.Amaka's Kitchen, Lagos
CONNECTED RECORDCustomer · order · payment
BoutiqueFLOW LIVE
INSTAGRAM → CHECKOUTOne-link checkout
“My shop link is in every Instagram bio now. People check out without leaving the chat.”
Bimpe A.Bimpe Styles, Abeokuta
CONNECTED RECORDCustomer · order · payment
SalonFLOW LIVE
GOOGLE → BOOKINGFewer missed calls
“Clients find me on Google Maps and book without calling. My chair is never empty on a Saturday.”
Ngozi E.Ngozi Hair Studio, Port Harcourt
CONNECTED RECORDCustomer · order · payment
TraderFLOW LIVE
SALES → ACCOUNT HISTORYFinance-ready records
“I finally have a real account for the stall — not my personal one. And Klovo knows my sales for the loan.”
Musa I.Musa Textiles, Kano
CONNECTED RECORDCustomer · order · payment
How it works
From catalogue to confirmed money — one controlled flow.
Set up once. Klovo keeps the customer, order, payment and delivery record together.
CATALOGUE IN
STEP 01Upload your items
Add products, prices and stock once.
Storefront, catalogue and AI context created
CHANNELS LIVE
STEP 02Connect where you sell
Connect WhatsApp, Instagram and Facebook.
Every conversation enters one order flow
LOOP RUNNING
STEP 03Let Klovo run the loop
Approve the rules, then stay in control.
Reply → order → payment → delivery
PRODUCT ADDEDCUSTOMER MESSAGEPAYMENT CONFIRMEDORDER READY
Your business is already running
Run it on Klovo.
Customers, orders, money and delivery — one operating system, working together.