Features
Everything your business needs, nothing it doesn’t.
Invoices, receipts, MoMo and bank, payroll and reports - in plain words, on any phone. Here’s what SmartBuuks does, area by area.
Invoices & getting paid
Send an invoice in a minute. Get paid by MoMo.
Professional estimates and invoices with your logo. Customers open the link on any phone and pay by MoMo, card or bank.
Free on every plan. Small payment fees are shown before you send.
Send on WhatsApp, SMS or email
Or copy the link. Your customer doesn’t need an account.
A “Pay now” button on every invoice
MoMo, card or bank. The invoice marks itself paid when the money lands.
Estimates that turn into invoices
When the customer agrees, one click makes it an invoice.
Friendly reminders
See who owes you and nudge them politely. On Pro, reminders go out by themselves.
Recurring invoices and checkouts
Bill monthly customers on a schedule, or share a simple pay page for one product.
Customer statements
Show a customer everything they’ve been billed and paid, in one page.
Expenses & receipts
Snap a receipt. We do the typing.
Keep proof of what you spend, without the paper pile. Copilot reads the vendor, date and total for you to check.
Free: 20 receipts read each month. Pro: unlimited.
Photo, file or email
Take a photo, upload a PDF, or forward the receipt to your SmartBuuks email address.
Read for you
Vendor, date, total and tax are filled in. You check and save.
Matched to the payment
Paid by MoMo or bank already? We match the receipt, so nothing is counted twice.
Bills from vendors
Record what you owe and when it’s due. Pay it and the bill closes itself.
No receipt? That’s fine
Transport, market buying and farm-gate purchases can be recorded with a short note.
Ready for the tax office
Receipts stay attached to the right transaction, for as long as you need them.
Banking & MoMo
MoMo, bank and cash - in one place, sorted.
Connect where your provider allows it, or upload a statement from any bank or wallet. Copilot sorts each payment and explains why.
Free: 1 automatic connection and unlimited statement uploads. Pro: unlimited connections.
Connect or upload
Automatic imports where available. CSV, Excel or PDF statements from any bank or wallet.
Suggestions that explain themselves
“Transport - 92% sure.” Accept in one tap, or pick another category.
Transfers spotted
Money moved between your own MoMo, bank and cash never counts as a sale or a cost.
Business and personal, kept apart
Mark personal spending in one tap, so your profit stays right.
Match your records
Check SmartBuuks agrees with your statement, month by month.
Read-only, always
We can see your transactions and balance. We can’t move your money.
Payroll & HR
Pay your team correctly, on time.
PAYE, pension and other deductions worked out for your country. You approve, then pay by MoMo or bank. Payslips explain every number.
Payroll add-on: a small monthly base plus a fee per person paid. First pay run free.
Monthly, fortnightly or weekly
Add overtime, bonuses and unpaid days. Totals update as you type.
“How was this worked out?”
Tap any figure on a payslip to see the rule behind it, in plain words.
Taxes due, on one page
PAYE, SSNIT, pension, NSSF and more - with the deadline and the schedule to file.
Nothing paid without you
Every pay run needs your approval, with the exact amount and who gets what.
Time off and holidays
Leave requests, a team calendar, and your country’s public holidays already added.
Staff records in one place
Contracts, tax numbers and payment details, visible only to people you allow.
Copilot
Like having an accountant in your pocket.
Copilot checks your books every night, answers questions in plain words, and drafts the boring work for you to approve.
Free: weekly health check and 30 questions a month. Pro: autopilot, month-end close and unlimited questions.
A nightly books health check
Finds double entries, missing receipts and payments that need a category.
Ask anything about your numbers
“Why is my profit lower this month?” Every answer shows where it came from.
Drafts, not decisions
Copilot drafts invoices, reminders and fixes. You approve them.
Everything can be undone
Anything Copilot changes shows in your history of changes, with an undo.
Never moves money
Copilot never pays, sends or files anything on its own. Tax figures come from our rules, not guesswork.
You choose how much it does
From “suggest only” to “do the routine sorting for me” - you decide.
And also
Reports, accountants and your data
Reports in plain words
Profit & loss, what you own and owe, money in and out, who owes you, and VAT - ready to share as PDF.
Free for your accountant
Invite your accountant on any plan. They get an Accountant view with debits, credits and journal entries.
Your country, your words
Cedis, naira and shillings. Local taxes set up for you. Menus and customer messages in English or French.
Export everything, any time
Your full books, invoices and reports - on every plan, including Free.
Built for your country’s rules
Full tax and payroll packs for Ghana, Nigeria and Kenya. Early access for Côte d’Ivoire, Senegal, South Africa, Uganda, Tanzania and Rwanda.
- Ghana
- Nigeria
- Kenya
- Côte d’Ivoire
- Senegal
- South Africa
- Uganda
- Tanzania
- Rwanda
Rates and deadlines are reviewed regularly. Your accountant can always confirm.
Your books, sorted.
Start with free invoicing and accounting. Add Pro or Payroll only when it saves you time.