Nigeria
Built for how Nigeria pays — and how fast prices move
Nigeria is the market that breaks the East African assumption. Mobile money is not the default here — instant bank transfer and USSD are, and a customer will read you an account number before they reach for a wallet.
The second difference is pace. The naira moves, and the cost of restocking moves with it. A price list you set last month may be selling your stock below replacement cost right now.
And FIRS e-invoicing expects itemised detail behind the sale.
What you get
How Nigeria pays
Instant bank transfer
The rail most Nigerian retail actually settles on. Recorded against the sale so the transfer and the takings describe the same trade.
USSD
For customers off the app and off the data bundle — logged the same way, into the same day's takings.
Card — Verve, Visa, Mastercard
Recorded against the same invoice as everything else, rather than in a separate terminal report.
Cash, with change
Still a large share of market and neighbourhood trade, handled in naira at the till.
FIRS e-invoicing, and repricing that keeps up
FIRS e-invoicing requires itemised invoices behind registered businesses' sales — the line detail, not the total. sell.ke captures every sale at that level in naira, against a live stock movement, and exports it for the period.
The harder Nigerian problem is not the filing, it is the pricing. When replacement cost moves faster than your price list, the margin report is the only thing that tells you which lines are now losing money — and by the time a monthly stock-take says so, you have sold the stock.
sell.ke tracks cost against price per product, so repricing is a deliberate act on current numbers rather than a guess. sell.ke does not transmit to FIRS on your behalf.
- Line-level detail in NGN on every sale, tied to a stock movement
- Cost and price tracked per product, so margin is current rather than historic
- Bulk price updates when replacement cost moves
- Period exports of itemised sales and tax detail
What you get
What that means for your shop in Nigeria
Transfer-first, not wallet-first
The payment mix here is genuinely different, and the till records it the way Nigeria actually trades.
Reprice before the margin is gone
Cost and price tracked together per line, with bulk updates — so a naira move is a morning's work, not a quarter's loss.
Priced and reported in naira
NGN throughout: prices, stock valuation, margins and day-end totals.
Lagos and beyond in one account
Per-branch stock and takings, transfers between shops, one dashboard for the owner.
The features this leans on
Each one goes deeper than this page does — start with the first.
Selling at the counter
Split payments, held orders, manager-gated discounts and a drawer count that reconciles.
Stock you can trust
Batch and expiry, serial numbers, reorder levels, stock takes and the formulas behind them.
Prices, price lists and promotions
Wholesale and retail off one product, quantity breaks, customer-specific lists, VAT-inclusive display.
Reports and real accounting
Double-entry books — trial balance, P&L, balance sheet — not a CSV export to somebody else's software.
Questions
Questions from Nigeria
Does sell.ke handle bank transfer and USSD payments?
Yes, and that matters more here than mobile money. Transfer, USSD, card and cash are all recorded against the sale at the counter, so the day's takings and the stock count agree without matching a transfer log by hand.
Does sell.ke submit e-invoices to FIRS?
No — sell.ke does not transmit to FIRS on your behalf. It captures every sale at the itemised detail e-invoicing is built around, in naira, and exports it for the period, so the filing draws on records you already hold.
Can it keep up with how fast naira prices move?
That is what cost-against-price tracking is for. Each product carries its cost and its price, so the margin report is current, and bulk price updates let you move a whole category when replacement cost jumps — rather than discovering the problem at stock-take.
Does it run in naira?
Your shop runs entirely in NGN: prices, stock values, margins and reports. Subscription billing is quoted in KES; ask the team about settlement in naira.
Can I use it for more than one shop?
Yes. Branches share one product catalogue but hold their own stock, so a transfer between them is a recorded movement rather than a re-count. Reports run per branch or across all of them, and staff permissions are set per branch — a Kisumu supervisor does not need to see Nairobi's margins.
Will it show me my profit?
Yes, and from a real ledger rather than a sales total. Every sale posts to a double-entry chart of accounts, so you get a trial balance, profit and loss, balance sheet and cash flow — not a CSV to hand your accountant. Margin is visible per product, per branch and per channel, because cost is tracked on the way in through purchase orders and goods-received notes.
What does it cost?
Plans run from USD 12/month for a single-location till to USD 115/month for unlimited scale, with the online store on your own domain included from USD 23/month. In Kenya the same plans are KES 1,499 to KES 14,999/month, billed in shillings. Every plan starts with a 14-day trial and no card, and there is no per-terminal licence and no commission on your sales. There is no hardware to buy either — sell.ke runs on a phone, tablet or laptop you already own.
Try it in your Nigeria shop
Fourteen days, no card, no hardware to buy. Your prices, stock and reports all run in NGN.