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For businesses in Nigeria

Inventory, POS and online store software built for Nigerian businesses.

StockỌja is made first for businesses in Nigeria: shops where customers pay by transfer as often as cash, where a POS terminal sits on the counter, where a lot of selling starts on WhatsApp and Instagram, and where a growing business soon has a second branch across town.

app.stockoja.com/pos
The StockỌja POS ready to take payment in naira. Example data.

At a glance

  • Priced in naira

    A free Hustle plan, then monthly plans billed in naira through Paystack.

  • Cash, transfer, terminal

    Record each payment as it happened, or split one sale across several.

  • WhatsApp to order

    Share your store link in chats and status; customers order from real stock.

  • Paystack checkout

    Online orders paid by card or bank transfer, or pay on pickup.

  • Branches across the city

    Separate stock and staff per branch, with transfers between them.

  • Runs on a phone, even offline

    The full POS on the phone you already use. It keeps selling without network and syncs later.

Payments the way customers pay

In a typical day a shop might take cash from one customer, a transfer from the next and a card on the bank terminal from another, and sometimes all three for one purchase. StockỌja records each payment with its method and an optional reference. At closing, compare cash in the drawer, transfer alerts and terminal slips with what StockỌja says came in by each method.

How the customer paysWhat to choose in StockỌja
CashCash, enter the amount received; change is worked out
Bank transferTransfer, with the sender name or reference if you like
Card on your POS terminalCard, with the slip number if you like
Part cash, part transferAdd two payments to the same sale

When the network or the light goes off

Congested networks, finished data and the router going off at generator switch-over are part of business here. The StockỌja POS keeps selling through all of it: sales are saved on the device with a receipt, stock goes down on screen, and everything syncs automatically, exactly once, when the connection returns. Expenses, stock adjustments and returns can be recorded offline too.

One habit still matters: for a bank transfer made while you are offline, hand over the goods only after you see the credit alert. Our guide on selling when the internet goes down covers this and more.

From WhatsApp chats to orders

Plenty of selling here starts with a photo on WhatsApp status and a "how much?" in the DMs. That works until the same item is promised to two people, or a transfer screenshot does not match a payment. A StockỌja online store gives those conversations a home: one link that shows what is in stock, takes payment through Paystack or on pickup, and drops the order into your dashboard. Our guide on taking orders online shows how to make the switch without losing the personal touch.

Physical shops and several branches

Most growing businesses still sell mainly from a physical shop, and many add a second or third branch, a warehouse or a stand in another market. In StockỌja each branch has its own stock, staff and sales, products are shared, and stock moves between branches with a transfer that the receiving branch confirms. See retail management and the guide on managing stock across branches.

Getting started in Nigeria

  1. 1

    Create your account

    Sign up free with your email or Google account and set up your business and first store.

  2. 2

    Add products

    Type them in or import a CSV. Add photos for the online store.

  3. 3

    Start selling

    Use the POS for cash, transfer and terminal sales from day one.

  4. 4

    Publish your store

    Brand it, publish at yourname.stockoja.com and share the link.

Questions before you start? Message the team on WhatsApp from the contact page.

Questions

Is StockỌja priced in naira?

Yes. Plans are priced and billed in naira, and the free Hustle plan costs nothing. See pricing.

Can I record a sale paid by bank transfer?

Yes. Choose Transfer as the payment method and, if you like, add the reference or the sender’s name so you can match it against your bank alert.

Does the online store accept Nigerian payment methods?

Yes. Online payments go through Paystack, which supports cards and bank transfer. You can also let customers pay when they collect.

Does StockỌja work with my bank’s POS terminal?

StockỌja records the sale; your terminal takes the card. Choose Card at the StockỌja till when the customer pays on the terminal, and add the slip number as the reference if you want.

Run your Nigerian business from one place.

Start free, sell in naira by cash, transfer or card, and open your online store when you are ready.