Invoicing and accounting software for SMEs in Ghana and Africa

Bill clients, get paid, know your numbers.

For agencies, contractors, distributors, service firms and growing shops. Send professional invoices and quotes, collect payment by MoMo or card, record expenses and see your books without juggling spreadsheets.

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A young man in glasses works through invoices and receipts at his desk, with a laptop, calculator and cash beside him.

Invoices out. Payments in. Books up to date.

Invoices, quotes and credit notes
Pay links by SMS or email
Profit and loss and balance sheet

Professional invoicesBranded invoices, quotes, receipts and credit notes in cedis.
Faster paymentCustomers pay from a link on their phone by MoMo or card.
Real accountingDouble-entry records behind every document and payment.
Clear statementsProfit and loss, balance sheet and trial balance on demand.

Stop chasing payments and rebuilding your books at month end.

Most small businesses bill in Word, track payments in a notebook and hand a bag of receipts to an accountant. Zoka keeps the invoice, the payment and the ledger in one connected record.

Invoices that take too long to prepare

Create an invoice from saved customers and products in a minute, then send it by SMS or email with a payment link.
Not knowing who still owes you

See every customer balance, partly paid invoice and overdue document in one place.
Expenses scattered across receipts and chats

Record operating expenses and income against the right accounts as they happen.
Guessing whether the business made money

Open profit and loss, balance sheet and trial balance reports built from the same records your team already keeps.

Everything a growing business needs to bill and account.

Start with invoicing, add accounting and reports, and switch on the POS or an online shop whenever you are ready.

Invoices and quotes

Turn a quote into an invoice, issue credit notes and payment receipts, and customise your document layout.

Recurring billing

Schedule repeat invoices for retainers, rent, subscriptions and service contracts.

Payment links

Every invoice can carry a public link so customers pay by Mobile Money or card through your own gateway.

SMS and email delivery

Send invoices, receipts and reminders straight from Zoka under your own sender name.

Double-entry accounting

Income, expenses, payments and documents post to a proper ledger with account activity you can review.

Financial statements

Profit and loss, balance sheet, trial balance and sales reports for owners and accountants.

Customers and suppliers

Keep contacts, balances, notes, tags and full document history for every customer and supplier.

Team permissions

Decide who can create invoices, give discounts, see financial reports or change settings.

Grows with you

Add branches, stock control, a POS counter or an online shop without moving to new software.

From setup to insight in four steps.

Record the work once. Zoka keeps it connected so managers can use the result.

Add your business details

Set your logo, currency, tax settings, document layout and payment gateway.
Send your first invoice

Pick a customer and items, then send it by SMS or email with a payment link.
Get paid and record expenses

Payments mark invoices paid automatically. Record expenses as you spend.
Review your statements

See profit and loss, balances and who owes you, any day of the month.

What is the best invoicing and accounting software for SMEs in Ghana?

Good SME software should let you send professional invoices in cedis, collect Mobile Money and card payments, keep track of who owes you and produce proper financial statements without extra spreadsheets. Zoka combines invoicing, payment links, SMS delivery and double-entry accounting in one system, and the same account can grow into POS, inventory and an online shop.

Small & Medium Business questions, answered.

The practical things businesses usually ask before choosing Zoka.

Still have a question? Talk to us.

Do I need a POS to use Zoka for invoicing?

No. Service businesses and distributors can use Zoka mainly for invoices, quotes, customers, expenses and accounting, then add the POS or inventory later if they need it.

Can customers pay my invoices online?

Yes. When you connect your own Paystack, Moolre or Hubtel account, each invoice can carry a payment link so customers pay by Mobile Money or card, and the payment is recorded against the invoice.

Can I send invoices by SMS?

Yes. Invoices, receipts and other documents can be sent by SMS or email directly from Zoka, using SMS credits you top up inside the app.

Does Zoka produce a profit and loss statement?

Yes. Authorised users can view profit and loss, balance sheet and trial balance reports, built from the double-entry records behind your documents, payments and expenses.

Can my accountant use Zoka?

Yes. You can give your accountant a user with access to the financial reports and records they need, while keeping sensitive settings restricted.