nxtPay Business
Every tool you pay for elsewhere. Free.
A till, your own online shop, WhatsApp selling, delivery, payouts and reports, all in one app on your phone. You only pay 6% on sales paid through nxtPay, and your customers can pay in four.
What is nxtPay Business?
nxtPay Business gives shops in Uganda free tools: a till on your phone, your own online shop, WhatsApp payment links, stock, branches, staff and sales reports. Your customers can pay in four, and you still get the full price less 6%, paid weekly. There is no monthly fee and nothing to pay on sales outside nxtPay.
What you get
The full price, less 6%. Every week.
Even when your customer pays in four, you’re credited the whole price less 6%. MoMo and Airtel Money sent straight to your own number and recorded in the till have no fee.
- Customer pays today
- UGX 212,500
- Their credit partner pays the rest
- UGX 637,500
- nxtPay fee (6%)
- − UGX 51,000
- You get
- UGX 799,000
Paid weekly (or every two weeks) to MTN MoMo, Airtel Money or bank, with a statement. The weekly payments are the credit partner's job, not yours.
Made for Uganda’s businesses
What do you sell?
Busy counter, every sale counted.
- A till on your phone: tap items, take cash, MoMo, Airtel or the nxtPay QR
- Stock counts itself and warns you before you run out
- Restock from checked wholesalers on credit
Quick sales, no fake screenshots.
- “Paid, confirmed by nxtPay” instead of a MoMo screenshot
- Your busiest hours and best sellers at a glance
- Delivery orders with a hand-over code
Bookings that turn up, and get paid.
- Customers book a time and pay in four
- Quotes and invoices for an agreed price, sent in WhatsApp
- Each staff member with their own till PIN
A proper shop, from one stall.
- Your own shop page and a QR for the stall
- Shoppers find you on the nxtPay map
- No card machine, no monthly fee
Sell to shops on credit, get paid after delivery.
- Shops order on trade credit from their credit partner
- Paid the order less 4% once the shop confirms delivery
- No chasing, no unpaid invoices
Your WhatsApp, now a shop that gets paid.
Your customers already ask, bargain and buy in WhatsApp. Send a product card or an invoice for the price you agreed, with pay in 4 built in, and get a payment confirmed by nxtPay, not a screenshot that could be fake.
- Product cards and catalogue for chats and Status
- Quotes and invoices for a negotiated price
- "Paid, confirmed by nxtPay" ends fake MoMo screenshots
Is the 43-inch TV still there? Can I pay in parts?
43-inch smart TV · UGX 1,150,000
Pay in 4: UGX 287,500 today
Pay with nxtPay
Done, I've paid
Thank you Sarah! Delivery tomorrow morning.
A till on the phone you already have
Tap what the customer is buying and take nxtPay (pay in 4 or in full), or MTN MoMo and Airtel Money sent to your own number. Every sale updates your stock and reports.
- No card machine or POS subscription
- Sales paid by MoMo straight to you have no fee
- Home, Orders and Till on your phone; the rest one tap away
Your own shop, online
Your products with photos, prices, stock and promotions, listed on nxtPay where shoppers already look. Choose which products offer pay in 4, offer free delivery if you like, share the link anywhere and print a QR for your counter.
- Stock levels and running-low alerts
- Pay in 4 per product (green price) or full price only (yellow)
- Ratings from customers who really bought
Know your numbers
Sales today, this week, this month or this year, orders, your average order, and your best sellers, at a glance on your home screen.
- Dashboard on your phone, tablet or computer
- Excel and CSV exports for your accountant
- VAT-ready tax report
Opening with our first credit partner
Restock now. Repay as you sell.
Empty shelves lose sales. With Restock on credit, your nxtPay sales unlock stock from checked wholesalers, and your next sales pay it back as they come in. 2.8% for 30 days, no other charges. Repay on time and your limit grows with your sales.
- See what you could getnxtPay suggests a limit from your own nxtPay sales: about 30% of a normal month. A licensed credit partner decides.
- Order stockFrom nxtPay's checked wholesalers. The credit partner pays the wholesaler once you confirm delivery; you never handle a supplier loan in cash.
- Repay as you sell70% of each nxtPay sale (on pay in 4, of the customer’s down payment) repays it automatically. You keep the rest, and pay early any time.
- Grow your limitRepay three orders on time and your credit partner reviews you for a higher limit. Your customers are never affected.
Example: a UGX 600,000 pay-in-4 sale with a UGX 150,000 down payment puts UGX 105,000 towards your stock credit and UGX 45,000 in your balance. Limits are estimates until a licensed credit partner decides.
The whole shop at a glance.
Put nxtPay Business on a tablet at the counter or open it on any computer: sales for today, this week, month or year, your orders and average order, sales by day and your best sellers, updated as you sell.
For businesses with more than one shop
One business. Every branch.
Run all your branches and your team from one nxtPay Business account, at no extra cost.
- Branches on one accountAdd each branch with its address, map pin, phone and hours. Shoppers see every branch on your shop page and on the map, with directions and a call button.
- Stock at each branchEach branch sells from its own stock. Move stock between branches, count it at each one, and let shoppers pick up from a branch that has it.
- Staff with their own sign-inAdd a manager, cashier or stock person by phone number. Each signs in with their own phone and sees only their part. Money and payouts stay with you.
- Know who sold whatOn a shared counter phone, staff switch in with their own 4-digit PIN. See sales by branch and by person; receipts show the branch and who served.
No setup fee. No monthly fee. No card machine.
Everything below is included for every shop on nxtPay.
Till for nxtPay, MTN and Airtel
Products, stock and photos
Your shop page and counter QR
WhatsApp and Instagram payment links
Pay in 4 for your customers
Orders, delivery and hand-over codes
Returns and disputes handled
Bookings for services
Promotions and 0% interest campaigns
Weekly payouts with statements
Restock on credit from checked wholesalers
Sales analytics and best sellers
Branches, each with its own stock
Staff with their own sign-in and till PIN
VAT-ready reports and Excel exports
6%
only on sales paid through nxtPay
- ✓ Every tool above is free
- ✓ Full price less the fee, even when the customer pays in four
- ✓ Sales paid by MoMo straight to you are free
- ✓ On an accepted return, the fee comes back to you
- ✓ Paid weekly to MTN MoMo, Airtel Money or bank
Pilot pricing. Merchant terms are shared during onboarding.
Sell to shops on credit. Get paid after delivery.
List your trade prices and minimum orders. Shops order on nxtPay trade credit; once they confirm delivery, their licensed credit partner pays you the order less 4% in your weekly payout. No chasing, no unpaid invoices.
Live in a few days
- 1Sign up (about 10 minutes)Business details, URSB registration, TIN, trading licence, owner ID and where you want to be paid.
- 2We reviewUsually within 1–2 working days. Meanwhile, add your products and services.
- 3Start sellingYour shop goes live; open the till at your counter and share your shop link.
Questions shops ask
What does nxtPay cost a shop?
Nothing to join and no monthly fee. You pay 6% only on sales paid through nxtPay. MTN MoMo and Airtel Money sent straight to your own number and recorded in the till have no fee.
Who carries the risk if a shopper does not repay?
Not you. For a pay-in-4 sale you are credited the full price less 6%. The licensed credit partner who funded the plan collects the weekly payments.
When do I get paid?
Weekly, or every two weeks if you prefer, with a statement for each payout. Pay-in-4 money is held for the short return window first.
What happens with returns?
Shoppers can ask for a return within 7 days of delivery. You accept or decline it in the app, and on an accepted return nxtPay's fee comes back to you.
What do I need to sign up?
About 10 minutes: your business details, URSB registration, TIN, trading licence, the owner’s ID and where you want to be paid. nxtPay checks them before your shop goes live.
Do I need a card machine?
No. The till runs on the phone you already have. Shoppers scan your nxtPay QR and pay in 4 or in full on their own phone.
Can I run more than one branch and add staff?
Yes, at no extra cost. Each branch has its own address, hours and stock, and each staff member signs in with their own phone and a till PIN. Money and payouts stay with the owner.
Can I buy stock on credit?
With a proven nxtPay sales history, yes: restock from checked wholesalers on credit at 2.8% for 30 days, repaid automatically from 70% of each nxtPay sale. A licensed credit partner decides the limit.
Free tools. 6% only on nxtPay sales.
Open a free account