Forget Paper Cards. Run Your Esusu Business Safely on Your Phone.
No more lost cards, no more calculation errors, and no more chasing payments. Track daily or weekly contributions, collect your fees automatically, and keep your savers happy.
Total Pool Balance
Don't Let Paper Cards Hold Your Esusu Business Back
Paper savings cards are risky, stressful, and prone to loss. Upgrade your business to the modern age.
Lost or Wet Cards
If a card gets torn or lost, arguments start. Klovabox stores your saver records on the cloud, so you never lose a contribution history.
Manual Calculation Mistakes
Manually adding up daily contributions, payouts, and admin fees takes hours. The app does all calculations instantly, keeping your books error-free.
Wasted Time Chasing Cash
Savers missing from their shops means missed daily contributions. Send secure Paystack payment links via WhatsApp so they can pay online immediately.
Designed Specifically for Nigerian Esusu Managers
Everything you need to manage your daily collections, track fees, and build 100% trust with your savers.
Digital Saving Cards
Replace paper booklets. Give savers their own secure login. They can check their balances, cycle progress (e.g. Day 15 of 31), and transaction history at any time. No arguments, total transparency.
WhatsApp Payment Integration
If a saver isn't around to pay cash, click "Remind" to generate a secure Paystack payment link. Send it directly to their WhatsApp, allowing them to pay securely via Card, USSD, or Bank Transfer.
Automated Admin Fee Collector
Traditional esusu operators keep the first daily contribution of the cycle as their fee. Klovabox automatically identifies, tracks, and retains this first contribution as your Admin Fee, separate from the saver's withdrawable balance.
Secure Withdrawal Approvals
When a saver is due for payout, they submit a withdrawal request through their portal. You review, approve, and record the payout from your dashboard in one click. Keeps your total pool accurate.
Running Your Thrift Collection in 3 Simple Steps
Transitioning to digital savings is simple. We show you how you can get set up in under 5 minutes.
Onboard Your Savers
Add savers easily by entering their name, phone number, and agreed daily/weekly savings target. They receive a secure SMS/WhatsApp message containing their account details.
Tick Off Daily Payments
Open your daily collections checklist. Tap "Mark Paid" as you collect cash from savers in the market, or send them a secure WhatsApp Paystack link if they prefer paying online.
Securely Pay Out Cycles
Once a saver completes their 30-day savings cycle, they submit a payout request. Review their transaction history, tap "Approve," and cash out their funds safely.
Bank-Grade Security for Your Peace of Mind
Trust is the foundation of the Esusu business. We protect your savers' records and funds with industry-leading security practices.
Zero Calculation Errors
Double-entry record logging prevents balances from going out of sync. What savers pay is exactly what they see.
Paystack Secured Links
All online payments are verified directly through Paystack. Cards and banking credentials are never stored on our servers.
Automatic Cloud Backups
Losing your phone doesn't mean losing your business data. Log back in on any device and find all your balances safe.
Secure Staff Access
Control permissions. Restrict staff from approving withdrawals or altering cycle values without authorization.
100% Safe & Verified
Our platform operates on audited PHP security practices, CSRF validation, and hashed sessions, keeping malicious actors out.
Ready to Digitalize Your Esusu Operations?
Join professional collectors who are expanding their businesses, gaining saver trust, and securing collections with Klovabox.
