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Online invoicing and payments for African businesses

Quote it. Send it. Get paid faster.

Branded quotes that turn into invoices the moment your client signs, with a pay link that updates everyone automatically.

Start free trialWatch the 1-minute tour
  • 14-day free trial
  • No card needed
  • Cancel anytime
A quote is signed, paid on a phone and booked – in about a minute.

From quote to paid, without chasing

Every document knows what comes next, so you spend less time on admin and more on the work.

  1. Send a branded quote

    Your logo, your colours, your terms. By email or a link your client can open on any phone.

  2. Your client signs online

    One tap to accept and sign. The invoice is created there and then, with a secure pay link.

  3. They pay on their phone

    Mobile money, card or bank, wherever it is available for your country and currency.

  4. Receipt sent, books updated

    The receipt goes out, the invoice is marked paid and your reports are up to date.

QuoteQ-0042TotalR 19 300SignedInvoiceINV-0042TotalR 19 300Pay nowPaid
Screenshot: a branded quote for a fictional business, ready to send
A branded quote
Screenshot: a quote signed by the client with the invoice created from it
Signed quote, invoice created

Get paid your way

Your clients choose how they pay. You see the status of every payment method honestly – what works today and what is coming.

CielPay (mobile money, card, bank)

Test mode — live soon

CielPay works in test mode today; real payments open soon.

  • Card
  • Pay by bank
  • EFT
  • Mobile money

Mobile money: Airtel Money, MTN MoMo, Zamtel Kwacha, TNM Mpamba, M-Pesa, Vodacom M-Pesa, Orange Money, Afrimoney, illicocash, Moov Money

Countries where CielPay takes payments

  • South AfricaZAR
  • ZambiaZMW
  • MalawiMWK
  • MozambiqueMZN
  • Congo - KinshasaUSD
  • RwandaRWF
  • CameroonXAF
  • Congo - BrazzavilleXAF
  • GabonXAF

Coming next: Botswana, Namibia, Zimbabwe, Mauritius, Madagascar

  • Mobile money (pawaPay)Test mode — live soon

Other ways to get paid

  • Bank transfer (EFT) with automatic matching
  • Cash and other payments recorded in one tap
Screenshot: the invoice pay page on a phone with ways to pay
The pay page on a phone
MMopane Kitchen
Hi Thandi, here is invoice INV-0042 for the catering order.
INV-0042R 4 850.00Pay now
Thank you! Paying now.
Payment received. Your receipt is attached.

Invoices in the chat your clients already use

WhatsApp invoicesBeta

Send invoices by WhatsApp link today; automatic WhatsApp sending after Meta approval.

Run your books in the same place

Payments, expenses and bank lines land in your books as they happen. No re-typing at month end.

  • Import bank statements from any bank (CSV, OFX, MT940, CAMT) and match them to invoices
  • Profit and loss, balance sheet, cash flow and VAT reports, ready for your accountant
  • Receipts and supplier bills, with approvals for your team
  • Bank feedsComing soonImport bank statements today (CSV, OFX, MT940, CAMT); automatic feeds soon.
  • Receipts by emailComing soonUpload or photograph receipts today; forwarding receipts by email soon.
MayJunJulAugSepOctInOut
Screenshot: the dashboard with money received, outstanding and overdue
Your dashboard
Screenshot: the profit and loss report in Books
Books and reports
Mopane KitchenBaked samosasR 60Rooibos cakeR 180Party platterR 420Cart · 3 items
Screenshot: a hosted online shop with products
Your online shop

Sell online, get paid the same way

A shop page for your products and services, ready for phones. Every order becomes a Ciel invoice with a pay link and a receipt.

  • Five designs to start from, with your colours and pictures
  • Delivery zones, collection points and discount codes
  • Stock updates itself as orders come in
  • WhatsApp invoicesBeta
  • Facebook & Instagram inboxComing soon
  • Ciel Agent (AI)Available
Screenshot: the inbox with a customer conversation and a pay link
All your messages in one inbox

For accountants

Free partner accounts: see your clients’ books with the access they give you, and earn a reward for every client who subscribes.

  • One practice dashboard Cash, bank lines to match, overdue customers and the next VAT return of every client.
  • Access each client allows Clients choose your role and whether you may prepare invoices, file VAT and export.
  • Referral rewards Share your link: earn a share of the subscriptions of the businesses you bring.
Become a partner – freeFind an accountant

For teams

Give everyone the access their job needs – no more, no less. Sales people can see only their own customers.

  • OwnerEverything, including billing, transferring ownership and deleting the business.
  • Business managerEverything except billing, ownership and deleting the business.
  • Account managerFull work on their assigned customers: quotes, invoices, payments, statements and chats.Sees only assigned customers
  • Sales agentQuotes and invoices for their own and assigned customers, pay links, their sales and commission. No refunds, Books or settings.Sees only assigned customers
  • AccountantBooks in full: journals, reconciliation, VAT, period lock, reports and exports. Sales read-only.
  • BookkeeperTransactions, receipts, bills, bank import and reconciliation. No period lock or settings.
  • Cashier / front deskRecords payments, issues receipts and looks up invoices.

Simple plans that grow with you

Feature labels show what is available today.

  • Starter

    US$ 12 /monthUS$ 120 /yearBilled monthlyBilled yearly
    • 1 company, 1 user
    • Branded quotes and invoices
    • Online payments
    • Client portal
    Start free trialStart free trial
  • Most popular

    Growth

    US$ 29 /monthUS$ 290 /yearBilled monthlyBilled yearly
    • 3 companies, 5 users
    • Everything in Starter
    • Ciel Agent (AI)
    • Recurring billing and automations
    • WhatsApp notifications Beta
    • API & webhooks
    Sales channels
    • WhatsApp· Beta
    • Online store
    • Unified inbox
    Start free trialStart free trial

  • Business

    US$ 75 /monthUS$ 750 /yearBilled monthlyBilled yearly
    • 10 companies, 20 users
    • Everything in Growth
    • Full white-label and custom domain
    • Multi-currency
    Sales channels
    • WhatsApp· Beta
    • Online store
    • Unified inbox
    • Facebook & Instagram· Coming soon
    • Campaigns
    • Comment replies· Coming soon
    • AI sales agent
    Start free trialStart free trial

  • Enterprise

    CustomTailored to your group
    • Unlimited companies and users
    • Advanced security (SSO coming soon)
    • Dedicated success manager
    • SLA
    Sales channels
    • WhatsApp· Beta
    • Online store
    • Unified inbox
    • Facebook & Instagram· Coming soon
    • Campaigns
    • Comment replies· Coming soon
    • AI sales agent
    Talk to sales
Available
works today
Beta
works today with limits
Test mode — live soon
can be tried, real payments soon
Coming soon
not yet – leave your email below
  • Encrypted connections and keys
  • Two-factor login
  • Built for POPIA
  • Nightly backups

Questions, answered

Which features are available today?

This list is updated automatically from our live configuration:

  • Quotes & e-signatureAvailable
  • Invoices & pay linksAvailable
  • ReceiptsAvailable
  • Books & reportsAvailable
  • Online shopAvailable
  • Teams & rolesAvailable
  • English, French & PortugueseAvailable
  • Public API & webhooksAvailable
  • Point of sale (till)Available
  • Schools: fees and pupilsAvailable
  • Projects and timeAvailable
  • Ciel Agent (AI)Available
  • WhatsApp invoicesBetaSend invoices by WhatsApp link today; automatic WhatsApp sending after Meta approval.
  • CielPay (mobile money, card, bank)Test mode — live soonCielPay works in test mode today; real payments open soon.
  • Mobile money (pawaPay)Test mode — live soon
  • Pay your plan by cardTest mode — live soonCard payments for your Ciel plan are being tested; pay by bank transfer for now.
  • Facebook & Instagram inboxComing soonWaiting for Meta’s approval.
  • Connect your own WhatsApp numberComing soonComing soon. Meanwhile send invoices by WhatsApp link — it works today.
  • LinkedIn postsComing soonComing soon.
  • LinkedIn company pagesComing soonComing soon — awaiting LinkedIn approval of company-page posting.
  • TikTokComing soonComing soon: TikTok only lets audited apps post publicly; Ciel will apply for the audit.
  • More countriesComing soonComing soon: Ciel registers businesses only in the countries whose rules it has checked. Ask to be told when yours is added.
  • X (Twitter)Coming soonComing soon: the X API charges for every post (more for posts with a link), so it is not offered yet.
  • Bank feedsComing soonImport bank statements today (CSV, OFX, MT940, CAMT); automatic feeds soon.
  • Receipts by emailComing soonUpload or photograph receipts today; forwarding receipts by email soon.
  • BURS electronic billing — BotswanaComing soonUpcoming: in law since 1 July 2026; the BURS electronic billing system is expected to start around 1 April 2027 (no BURS notice gives the date yet). Ciel is not connected to it.
  • Fiscal invoicing — DR Congo (DGI normalised invoice)Not available yetCiel invoices are not yet normalised invoices (facture normalisée), and Ciel is not yet homologated by the DGI. If your business is registered for VAT in the DRC, you must also issue each invoice through a DGI-homologated invoicing system or the DGI’s free e-UF online service. Ciel is working towards this. Ask your tax adviser if you are unsure.
  • Fiscal invoicing — Zambia (ZRA Smart Invoice)Testers only — awaiting approvalCiel invoices are not ZRA Smart Invoices, and Ciel is not connected to ZRA. If your business is registered for VAT in Zambia, you must also issue your invoices through ZRA Smart Invoice. Ask your tax adviser if you are unsure.
  • Fiscal invoicing — Zimbabwe (ZIMRA fiscalisation)Testers only — awaiting approvalCiel invoices are not fiscal tax invoices, and Ciel is not connected to ZIMRA’s fiscalisation system (FDMS). If your business is registered for VAT in Zimbabwe, your tax invoices must be issued through a ZIMRA-approved fiscal device or system. Ask your tax adviser if you are unsure.
  • Fiscal invoicing — Angola (AGT electronic invoicing)Not available yetCiel invoices are not issued by AGT-certified invoicing software, and Ciel is not connected to AGT. Large taxpayers and suppliers to the State must already use AGT electronic invoicing, and other VAT-registered businesses are being added; check the date that applies to you with AGT or your tax adviser.
Do I need a card to start the free trial?

No. The trial lasts 14 days and needs only your email address. You choose a plan when you are ready.

Which countries and currencies do you support?

You can invoice in rand, pula, Namibian dollar, kwacha, kwanza, Congolese franc, metical, US dollar and euro. Online payment methods depend on your country – see “Get paid your way” above for what works where today.

Are Ciel invoices fiscal or normalised invoices?

Not yet. In some countries, VAT-registered businesses must issue their invoices through the tax authority’s approved or fiscal system: the DRC (DGI normalised invoice), Zambia (ZRA Smart Invoice), Zimbabwe (ZIMRA fiscalisation) and Angola (AGT electronic invoicing, being phased in). Ciel is not connected to these systems yet, so businesses there use an approved system alongside Ciel. Ciel never prints fiscal codes or QR codes it did not receive from a tax authority. Ask us to tell you when this changes.

How do my clients pay?

They open the invoice link on their phone or computer and choose a method: mobile money, card or bank where available, or a bank transfer with your reference. You are told the moment they pay.

Can I send invoices by WhatsApp?

Yes: every quote and invoice can be shared by WhatsApp link today. Automatic sending from your own WhatsApp number switches on after Meta approves Ciel.

Is my data safe?

Connections are encrypted (HTTPS), passwords are hashed, payment keys are encrypted, two-step sign-in is on by default and data is backed up every night. We follow South Africa’s POPIA; read our privacy policy for details.

Can my accountant work with me?

Yes. Invite them with the accountant role, or let them join through the free partner programme.

What happens if I cancel?

Your workspace stays readable for 90 days and you can export all your data at any time. Invoices you already sent can still be paid.

Which languages can I use?

The app, your documents and the emails your clients receive are in English, French or Portuguese – each person chooses their own.

Tell me when it is ready

Leave your email for the features you are waiting for. One email when each goes live — nothing else.

Which features?

Send your first invoice today

14 days free. No card needed.

Start free trialTalk to sales