Truth is, money won't take a risk on you unless you have a proven track record of achievement or are co-signed by those who do.
For tailors, caterers, electricians, event vendors — anyone who works job by job.
Free while we pilotYour money goes straight to your bank account — we never hold it.
- New invoice
- Who is it for, and what did you make?
- Mrs Okafor, 2 aso-ebi gowns, ₦45,000 each. ₦30,000 deposit paid
- Here's your invoice. Share it with Mrs Okafor — she can pay by transfer to the account on it. Invoice KS-2026-0042: Total ₦90,000, Deposit paid ₦30,000, Balance due ₦60,000.
- ✓ ₦60,000 confirmed for Invoice KS-2026-0042 (Mrs Okafor). Balance: ₦0. It reaches your bank on the next settlement.
- Added to your track record
Ajiye turns every job you finish into proof. Send an invoice on WhatsApp, get paid, and watch a verified record of your work build itself.
- Invoices on WhatsApp
- Payments confirmed by the processor
- A track record you own
You're good at what you do. Your customers know it.To everyone else, your payments are just numbers on a statement. The job behind each one stays unseen.
Jobs paid by transfer and cash leave no trail that lenders can trust. Skill isn't what's missing — proof is.
- Confirmed by the processor
- Recorded by you (cash)
- No record
One month of a tailor's work
Example: one month of a tailor's work.
Every paid job becomes a line in your track record.
Verified payments are the strongest evidence you can have. Cash you record yourself still counts in your books — we just show the difference honestly.
01Invoice
You create it in WhatsApp, in about two minutes. It gets a number that never repeats or skips.
- On WhatsApp, no app to install
- Numbered in order, never reused or skipped
- A message ready to send to your customer
02Paid
Your customer pays by transfer. The payment processor confirms the amount and reference before we mark it paid.
- Paid by bank transfer
- Confirmed with the payment processor, not from a screenshot
- Settles straight to your bank account; we never hold it
03Recorded
The payment joins a tamper-evident record that only you control. Each line is linked to the one before it, so it can't be quietly changed.
- Each line linked to the one before it
- Verified and recorded-by-you kept apart
- Yours to export or share
A screenshot can be faked. A confirmation from the payment processor doesn't rely on one.
Ajiye confirms each payment directly with the processor before it ever shows as paid. No screenshots. No guessing.
Credit alert: ₦60,000.00
A message anyone can type
Confirmed by the processor
Amount, currency and reference checked
- of surveyed Nigerian traders had been hit by a fake payment at least once
- 52%of surveyed Nigerian traders had been hit by a fake payment at least once
- lost money to one
- 27%lost money to one
2025 survey of 330 traders, reported by Punch and SaharaReporters (Sept 2026).
Three steps. No app to install.
1. Message us on WhatsApp.
No app to install. Answer a few questions and add the bank account your money should go to.
2. Create an invoice in about two minutes.
Tap through a simple form. Soon, pilot users will also be able to just type it the way they'd say it.
3. Your customer pays. You see it confirmed straight away.
Your money reaches your bank on the payment processor's normal settlement schedule.
Ready for bigger clients — and for the tax system when it's your turn.
- Numbered invoices with no gaps
- Your TIN on every invoice
- A clean audit trail
- Exports in the structure Nigeria's e-invoicing system is built on
Designed to match the NRS e-invoicing format. Rules and dates are set by the authorities; we'll keep you informed.
See exactly what happens to every naira.
Type what a job is worth. The numbers come from the payment processor's published pricing and our pilot terms.
You receiveFor a ₦50,000 job≈ ₦50,000
Estimate · processor pricing as published, September 2026
- Your customer pays
- ₦50,000
- Payment processor feepaid by us during the pilot
- ₦850
- Our share₦0 during the pilot
- ₦0
Processor fee: 1.5% + ₦100 per payment (₦100 waived under ₦2,500), capped at ₦2,000. Settlement timing follows the processor's schedule.
Built so you stay in control.
Read how we protect you →- We never hold your money
- It settles directly to your bank account through licensed payment processors.
- You own your record
- Export it or delete it any time.
- Your data stays yours
- We don't share your records with lenders or anyone else today. If that ever changes, it will be your choice, switched on by you.
- Clear consent
- You choose what we process, in plain language.
Questions, answered plainly.
Do you hold my money?
No. Your customer pays through a licensed payment processor, and the money settles directly into your own bank account. Ajiye never holds or pools it.
Is it really free?
Yes, while we pilot. After the pilot the payment processor's fee and a small share for us will apply, and we will show you the exact numbers before anything changes.
What if my customer pays me directly?
Tell us it was cash or a direct transfer and we'll record it. It still counts in your books, but it's marked as recorded by you, not confirmed by the processor.
Do I need a registered business?
No. You can start as a sole trader. If you have a registered business name, a company or a TIN, you can add them any time.
Will this get me a loan?
No promises: we don't lend. We help you build proof that lenders and clients can trust; their decisions are theirs.
Which banks work?
Payments can be received into accounts at Nigerian banks and microfinance banks supported by our payment processor. We check the account name with you before any money is sent there.
What does it cost after the pilot?
The payment processor's standard fee plus a small share for us. The fee calculator above shows how it works, and you'll see the final numbers before the pilot ends.
Is my data safe?
Bank account numbers and tax numbers are encrypted, access is limited, and we never put them in logs. You can export or delete your data at any time.
Which languages?
English today. Nigerian Pidgin is being reviewed by native speakers; Yoruba, Hausa and Igbo will follow.
Your next job is your next proof.
Free while we pilot.