GeneralHow to Start Selling Online in Nigeria Without a Website
You do not need a developer or a website to sell online. Here is how to go from WhatsApp orders to a proper online store, step by step.
25 October 2026 · 8 min read
Financial OS for African business
Powering your Business - Pay, Get Paid & Manage.
Niimbu brings payouts, collections, invoicing, payroll and daily operations into a single account, so you can focus on growing the business instead of running it.
No setup fee · Live in under a day · Cancel anytime
Settled today
₦4,182,900
+18.4%vs last week
Payout run
Complete142 recipients
PayGet PaidManageEmbedPayGet PaidManageEmbed
Trusted by Businesses Across Africa
One account
A platform built for the whole business
Sales sit in one tool, payments in another and records in a third. Niimbu consolidates them into a single platform, giving your team one source of truth and a complete view of the business.
Pay
Send to any Nigerian bank or account, settle vendor bills, and run salaries on a schedule, all from one funded balance.
Learn moreGet Paid
Issue invoices, hand customers a dedicated account number, share a payment link, or open a hosted storefront.
Learn moreManage
Products, customers, expenses, projects and staff permissions: the operating layer your books actually need.
Learn moreEmbed
Put collections and bill payments inside your own product with a REST API and a sandbox that mirrors production.
Learn more
Collections this week
₦3,240,500
Simplify everyday financial work
₦0
Free plan, forever
20%
Saved on annual billing
4
Plans, from free to unlimited
₦0
Setup fee, ever
Built around how money actually moves
Get Paid
Collect from customers the way they already pay
Give every customer a dedicated account number so transfers reconcile themselves. Send an invoice that chases itself. Share a payment link and get paid on the spot, whether you sell in person, online or over a chat.
- Dedicated account numbers per customer
- Invoices with automatic reminders
- Payment links and a hosted storefront
Payment received
₦85,000
Ada Okonkwo · matched to INV-2841
Pay
Move money out without leaving the dashboard
One funded balance covers vendor settlements, utility bills and salaries. Approvals sit where the money sits, so nobody is forwarding account numbers over chat and hoping for the best.
- Bulk payouts to any bank or account
- Scheduled payroll with payslips
- Two-step approval on every transfer
August payroll
SCHEDULED24 staff
Manage
The operating layer your accountant keeps asking for
Products, customers, expenses, projects and staff roles live beside the money that moves through them. When month-end comes, the record already exists. Nobody rebuilds it from receipts.
- Expense capture with approval trails
- Customer and product records
- Role-based access for staff
Gross margin
38.4%
+2.1%this month
Stock alert
3 items
Below reorder level
Embed
Put financial services inside your own product
Collect payments, send payouts, issue accounts and verify identity through one REST API. A sandbox mirrors production, so you build against real behaviour before anything moves for a customer.
- Collections and payouts over a REST API
- Accounts and cards issued on demand
- Identity checks and a full sandbox
API
POST /v1/collections
Request
curl -X POST https://api.niimbu.com/v1/collections
-H "Authorization: Bearer sk_..."
-d '{
"amount": 50000,
"currency": "NGN",
"reference": "ORD-2941"
}'
Response
{
"status": "success",
"data": {
"reference": "ORD-2941",
"checkout_url":
"https://pay.niimbu.com/...",
"status": "pending"
}
}
Sandbox mode · No real money moved
201 Created
Security
Built with safety as the first requirement
Money software earns trust or it earns nothing. These are the controls that sit underneath every naira that moves through Niimbu.
Encrypted end to end
Data is encrypted in transit and at rest. Card and account details never touch your servers. Niimbu holds them behind a tokenised vault.
Access you control
Roles, spend limits and two-step approvals per staff member. Every permission change is recorded against the person who made it.
An audit trail that holds up
Every transfer, approval and edit is timestamped and exportable, giving your auditor the record they ask for without a reconstruction exercise.
Why we built Niimbu
The idea behind it
You cannot see how your business is doing without checking three different places.
Money comes in through the bank, the POS, transfers. Sales, stock, staff and who still owes you sit somewhere else: a spreadsheet, a notebook, WhatsApp. Nothing talks to each other, so someone has to check every place and add it up by hand. Niimbu keeps the money and the business in one account, so you can just look.
Catch up on our latest writing
View all postsGeneral
OperationsHow to Stop Cash Shortages and Staff Theft in Your Shop
Most shortages are not theft, but the controls that stop mistakes also stop theft. Here is how to set them up without treating your staff like suspects.
25 October 2026 · 8 min read
OperationsHow to Track Daily Sales for a Small Shop in Nigeria
What to write down for every sale, how to close the day so the money agrees with the record, and when a notebook stops being enough.
25 October 2026 · 8 min read
The simpler way to scale your business!
Start free and see it working today, or talk to us about pricing for teams and higher volumes.