Open a real bank account in minutes — balances, statements, and virtual accounts, built in.
Accounts
One app torun your business.
Klovo gives an African small business a shop, an AI employee, a real bank account, and the credit to grow — set up in a day, run from a phone.
Apps coming to the stores — start on the web today →
Powered by regulated partners
AnchorPaystackFlutterwaveDojahSmile IDCACTermii
A fully integrated suite of money tools — everything you need to run the business.
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
Built for the everyday hustle.
From the caterer taking orders on WhatsApp to the thrift seller shipping nationwide — Klovo gives an African small business a shop, an AI employee, a real bank account, and the credit to grow.
The 12 channels
Twelve channels. One app. In the order you grow.
Every channel unlocks as you reach it. The terracotta cards are the money layer a website builder can never give you.
Your name, logo, and look — ready in minutes.
Brand
A real online shop, built around your products.
Storefront
Answers customers and takes orders on WhatsApp, 24/7.
AI assistant
A real business account, opened in minutes.
Bank account
Card, transfer, and mobile money, straight into it.
Payments
Every buyer saved, ready to bring back in one tap.
Customers
Posts and reels for your shop, ready to publish.
Marketing
Show up on Google Maps and 'near me' searches.
Local discovery
See what's selling and how you're doing, in plain words.
Insights
Make it official with CAC, when you're ready.
Registration
Learns your business from day one, sharper as you grow.
Business brain
A loan built on your real sales, repaid from your account.
Working capital
Money tools a website builder can't give you.
A real CBN-partner bank account, payments straight into it, and working capital priced off your own sales — the layer that turns a shop into a business.
- Open a real business account in minutes
- Take card, transfer, and mobile money
- Grow into credit built on your real sales
3 min
To a live shop
₦0
Setup cost
24/7
AI sales
1
App for everything
Use cases
Built for the way real merchants sell.
Caterers, boutiques, salons, and traders — same app, different mix of channels.
“Customers order on WhatsApp at 11pm and Klovo takes the payment before I even wake up.”
“My shop link is in every Instagram bio now. People check out without leaving the chat.”
“Clients find me on Google Maps and book without calling. My chair is never empty on a Saturday.”
“I finally have a real account for the stall — not my personal one. And Klovo knows my sales for the loan.”
What our merchants are saying
Illustrative merchant stories — the kind Klovo is built for.
These are illustrative quotes written to show how Klovo fits a real day of selling — not verified customer reviews.
“My storefront went live before my rice finished cooking. Orders and payments now land in one place, not five WhatsApp chats.”
“I used to send my account number in every DM. Now customers pay through the link and I can actually see who's paid before I pack the order.”
“The AI assistant answers my clients at midnight so I don't have to. My chair is booked solid most Saturdays now.”
How it works
From swipe to sale, in three steps.
Preference and setup are quick swipes. Identity and money are always a deliberate, labelled tap.
01
Swipe your setup
Pick what you sell, your vibe, and your store name — swipe right to keep, left to skip. Two minutes, no forms.
02
Verify & get your account
One button-only step for identity and consent. Klovo opens a real business bank account with a licensed partner bank.
03
Sell everywhere
Your storefront, WhatsApp assistant, and payments go live together — orders and money land in the same place.
Get started
Build your business today.
Set up in a day. Run it from your phone. Let the AI do the rest.