Enterprise-Grade Tools. Pay-As-You-Grow Pricing.
Freelancers, sole traders, SME owners, and platform agents use YoApp to accept payments, pay suppliers, manage cash, earn commission, and grow — without the upfront cost or complexity of enterprise software.
Small businesses and individual operators should not have to choose between professional financial tools and affordability. YoApp's pay-as-you-grow model gives freelancers, SMEs, and platform agents access to the same payment infrastructure, accounting tools, and agent capabilities that large institutions use — at a price that scales with their revenue.
Challenges your industry faces every day
No Affordable Payment Infrastructure
Accepting digital payments typically requires expensive POS hardware, high merchant fees, or bank account prerequisites.
Manual Cash Management
Small business owners track cash in notebooks with no real-time position view and no automatic reconciliation.
Commission Tracking Without Transparency
Agents working on commission have no reliable way to track earnings in real time — leading to disputes and distrust.
No Access to Business Credit
Without verifiable financial records on a formal platform, SMEs cannot access the working capital they need to grow.
Supplier Payment Complexity
Paying suppliers via mobile money, bank transfer, or cash without a dedicated tool is disorganised.
Customer Communication Gaps
Small businesses have no systematic way to notify customers of payment confirmations or service updates.
Modules built for Freelancers & SMEs
Every module works out of the box for your industry — pre-configured for your workflows and operational realities.
Accept mobile money, bank transfers, and USSD payments from customers — all channels in one ledger, no hardware required.
Process services, manage your float balance, view your commission statement — from a mobile-first app that works offline.
Real-time float balance visibility with low-balance alerts and a one-tap top-up request.
Real-time commission tracking per service. Monthly statements generated automatically — no manual calculation.
Earn commission on every airtime sale across all networks — processed in real time.
Sell prepaid electricity tokens and earn commission on each sale with automatic reconciliation.
Complete, searchable record of every transaction — with export to PDF or CSV for tax and business records.
Automatic SMS confirmations to your customers on every transaction — building trust without manual effort.
From setup to live in days, not months
Create your YoApp account online — no branch visit, no hardware purchase, no upfront fee.
Select the services you will offer — airtime, electricity, vouchers, payments. Set your commission structure.
Process your first transaction from the mobile app. Commission is calculated automatically. Float updates in real time.
View your commission statement and transaction history from the app at any time.
Add new service types, onboard sub-agents, or access business credit as your operation grows.
“YoApp is a tool that actually gets used consistently — a rare exception over other platforms that simply got ignored by my team after the first week.”
Explore other industry solutions
Ready to transform your Freelancers & SMEs operations?
Book a 30-minute demo and we will walk you through exactly how YoApp works for Freelancers & SMEs — live platform, no slides.