Finance products we run
| Product | Market | What it does |
|---|---|---|
| ereQa | Nigeria | Invoicing and recurring billing, WhatsApp payment links (transfer, card, USSD), expenses, bank reconciliation, e-sign contracts, client portal, AI monthly reviews |
| Owoode | Nigeria, with UK and Ireland sections | Thirteen free invoicing and tax tools, including VAT, PAYE and withholding-tax calculators updated for the Nigeria Tax Act 2025 |
What we build
- Invoicing and billing: quotes to invoices, recurring billing, credit notes, multi-currency.
- Payments through licensed providers: cards, bank transfer, payment links and, in Nigeria, USSD.
- Reconciliation: matching bank statements to invoices and bills automatically.
- Tax calculation: VAT, PAYE and withholding tax encoded as rules you can update.
- Reporting: P&L, cash flow and exports an accountant will accept.
- Internal finance tools that replace spreadsheets and manual copying.
Compliance we design around
| Rule | What it means for the build |
|---|---|
| PCI DSS | Card data never touches your servers; payments run through a certified provider |
| FCA authorisation (UK) | If the product holds funds or provides regulated services, you need authorisation or a licensed partner; we build on licensed providers |
| UK GDPR / Nigeria Data Protection Act 2023 | Financial and personal data minimised, encrypted and retained only as long as needed |
| Making Tax Digital (UK VAT) | VAT records kept digitally, with exports suitable for compatible filing software |
We are not a regulated firm and do not give legal or regulatory advice; we design the software so that your compliance obligations are easy to meet, and say plainly in the scope where you need specialist sign-off.
Engineering for money
- Money as integers, never floating point, with currency stored alongside every amount.
- Idempotent payment handling, so a retried webhook never charges or records twice.
- Audit trails on every change to a financial record.
- Reconciliation reports that flag mismatches for a person rather than guessing.
Cost
Most fintech builds sit in our Platform Build tier, £15,000–£60,000+, because of integrations, audit trails and testing. A focused tool such as a calculator suite or internal invoicing app can fit a Product Build at £5,000–£15,000. Try the free VAT calculator to see the kind of tool we build.