Accept customer payments by card, bank transfer, USSD, and mobile money — through checkout links, the storefront, or a WhatsApp order the AI assistant closes out.
Collections
Get paid, pay out, and reconcile — from one account.
Your AI employee sends the payment link in the chat and confirms the money the moment it lands. It settles to your own bank account, or to a Klovo account if you open one. No 'have you paid?', ever.
Klovo is a financial technology company, not a bank. Banking services are provided by partner banks duly licensed by the CBN.
How it works
Money in, money out, one place to look.
Pay suppliers, staff, logistics partners, and business expenses from the same operating account. No separate app for money in and money out.
Payouts
Every payment is tied to an order, a customer, and a channel on an append-only ledger — never a spreadsheet you reconcile by hand at month end.
Reconciliation
Every payment channel a Nigerian customer already uses
CardBank transfer (NIP)USSDMobile moneyPayment links
Get started
Open the account payments land in.
Signing up opens the storefront and the account together — payments are live from day one.