The Operating System for ~/Nigerian Commerce.

KoboSync connects your payment gateways to a living command center. Payments reconcile. Receipts send. Customers track. Revenue forecasts. Taxes prepare. All automatically — the moment a sale happens.

< 3sReconciliation Sync
₦10kFixed/mo Flat Pricing
100%AES-256-GCM Secure
Connecting live network...
LIVE LEDGER

ingesting gateway webhook → reconciling revenue → dispatching receipts...

SECURE
ECOSYSTEM LIFELINE

Supported networks, gateways, & business ledgers establishing 100% tech stack compatibility

PaystackPayment Gateway
FlutterwaveWebhook Ingest
MonnifyVirtual Account Rail
MonoDirect Bank Feed
Shopify NigeriaE-Commerce Ingress
Google SheetsReal-time Logging
Xero AccountingInvoice & Bills Sync
QuickBooksEnterprise Journal
PaystackPayment Gateway
FlutterwaveWebhook Ingest
MonnifyVirtual Account Rail
MonoDirect Bank Feed
Shopify NigeriaE-Commerce Ingress
Google SheetsReal-time Logging
Xero AccountingInvoice & Bills Sync
QuickBooksEnterprise Journal

Active in 3 Simple Steps. No Code Required.

Forget about custom software engineering contracts and database API headaches. Configuring KoboSync to your business channels is simpler than editing a spreadsheet.

Active Step Configurator

Securely Link Gateways

Drop in your Paystack, Flutterwave, or Monnify read-only credentials or point webhooks to your custom KoboSync address. Absolutely zero custom code or changes to your current checkout files required.

Gateway IntegratorREADY
Paystack API
FlutterwaveOPTIONAL
★ KoboSync verified: key permissions checked & confirmed strictly Read-Only.
Strictly bank-grade sandbox verification setup.

Complete Financial Control for Nigerian Commerce

Everything you need to automate reconciliation, track multi-currency payouts, and sync Paystack, Flutterwave, and Monnify data directly to your ledgers.

INTELLIGENCE LAYERMulti-Currency Live

Automated Reconciliation Engine

Intelligent processing for multi-currency streams. Whether it's USD, GBP, GHS, or KES, everything hits your books in NGN with exact daily exchange rate logging.

Source Cur
Exchange Rate
NGN Value
Status
$120.00
₦1,516.67
₦182,000
MATCHED
£45.00
₦1,960.00
₦88,200
MATCHED
₵1,200.00
₦103.42
₦124,100
MATCHED
KSh 15,000
₦11.50
₦172,500
MATCHED
BANK-GRADE HMAC VERIFICATIONVAT-AWARE DAILY BRIEFINGS
COMPLIANCEFIRS Ready

Audit-Ready Tax Vaults

Calculates VAT dynamically on every invoice, isolating tax liabilities instantly for frictionless accounting compliance.

FIRS-Ready ExportVAT Liability: Q2 2026
SECURE
FORECASTING & STOCKAlert Matrix

Inventory Intelligence

Live sales velocity tracking via webhook metadata. Triggers automated WhatsApp reorder warnings before you run out of stock.

LAG-TEEStock: 14 / 15 limit
FT-BOOKStock: 31 / 10 limit
AERO-CAPStock: 8 / 15 limit
WhatsApp Telemetry Outbound:
▶ OUTBOUND ALERT SENTSKU LAG-TEE below threshold limit. Reorder trigger dispatched.
INTEGRATIONSTLS Handshake

Developer API & Webhook Relay

A public REST API with custom column mapping. Securely relay standard payment webhooks to your existing warehouse, CRM, or local databases in micro-seconds.

FORMAT: JSON
{
                      "gateway": "paystack",
                      "ref": "T_10293X",
                      "sync": true,
                      "payload": {
                        "amount": 182000,
                        "source_currency": "USD",
                        "firs_liability_calc": 13650
                      }
                    }

The Complete Automation Toolkit

Real-time Reconciliation

Every payment from Paystack, Flutterwave, or Monnify is automatically verified, fee-calculated, and logged to your Google Sheet in under 2 seconds.

Multi-Currency Intelligence

Sell in USD, GBP, GHS, or KES. Every transaction is converted to NGN at the locked rate and stored in both currencies — your books stay accurate.

Tax Preparation Mode

VAT (inclusive or exclusive) calculated on every sale. A live Tax Vault shows your FIRS liability in real time, with downloadable statements for your accountant.

Xero & QuickBooks Sync

Every reconciled transaction auto-posts as an invoice in Xero or QuickBooks. Every logged expense posts as a bill. No CSV exports, no manual entry.

Product Intelligence

Track sales velocity by SKU extracted from webhook metadata. Set reorder thresholds and get WhatsApp alerts when a product is running hot — without touching your store.

Bank Feed Reconciliation

Connect your business bank via Mono. KoboSync cross-references actual bank credits against expected gateway settlements and flags any discrepancy automatically.

Team Access

Invite your bookkeeper, operations manager, or finance team with role-based permissions. Owners, Admins, Accountants, and Analysts each see exactly what they need.

Zero-Disruption Webhook Relay

Already have custom code listening to your gateway webhook? KoboSync relays exact gateway event payloads to your existing backend system in under 5ms with full signature integrity.

Public API

Query your transactions, payouts, customers, and expenses programmatically. Build sync scripts, custom dashboards, or reports with keyset pagination.

How KoboSync Fits Into Your Stack

KoboSync acts as non-intrusive observer middleware. We quietly intercept gateway webhooks to secure your ledger, with zero friction and absolutely no checkout performance penalties.

Tech scaleups & digital platforms

SaaS & Subscriptions

Ideal for automated multi-currency reconciliation. KoboSync matches subscription webhooks directly from active gateway rails to your QuickBooks ledger and isolates withholding taxes securely.

Ingress layerCustom App / Stripe API
Ingested pipelinesPaystack + Flutterwave
sync targetsQuickBooks Online / Google Sheets / Tax Vault

Zero-Disruption Guarantee

We never touch your store's live database or checkout bundle. Even if KoboSync fails, your customer transactions are 100% safe on the secure checkout servers. Standard bank-grade webhook isolation.

Pipeline Data Travel
Observer Mode
1. Event TriggerWEBHOOK RESOLVED
User subscribes online
2. Secure CheckAES-GCM
HMAC signature verified
3. Tax AllocationFIRS SECURE
VAT (7.5%) quarantined
4. Ledger LockSYNCED < 2s
Auto-posted as invoice
[ROUTER] Verified continuous zero-perf checkout footprint. KoboSync standby active.
100% PASS

Stack Integration Quick Facts

Everything a CTO, bookkeeper, or business owner needs to confirm about security and performance.

Absolutely not. KoboSync operates as a silent, non-intrusive observation layer. It connects securely to your payment gateway accounts using read-only API keys or standard webhook configurations. Your customer checkout flows remain untouched and completely safe, with 100% of the processing remaining on Paystack, Flutterwave, or Monnify.

Is manual reconciliation costing you more than KoboSync?

Enter how much time you currently spend each week copying Paystack transactions into spreadsheets, and what that time is worth to you.

Hours/week spent on manual reconciliation8 hrs
1 hr20 hrs40 hrs

Counting the time copying from Paystack CSVs, matching payouts, fixing spreadsheet errors, and chasing missing transactions.

Your time is worth (per hour)3,500
₦1,000₦12,500₦25,000

Use your salary rate if you do this yourself, or what you pay a bookkeeper or accountant to handle it.

What KoboSync automates

Copying Paystack, Flutterwave & Monnify transactions to Sheets
Calculating net profit after gateway fees
Separating VAT at 7.5% for FIRS
Sending PDF receipts to customers
Posting journal entries to Xero or QuickBooks
Monthly Cost Comparison

Manual reconciliation cost

119,000

34 hrs/month × ₦3,500/hr

KoboSync Pro

₦10,000

per month, flat

KoboSync pays for itself 12× over

109,000saved / month

That's 1,308,000 back in your year — time you can spend on growing the business instead of maintaining spreadsheets.

The Starter plan is free. You can verify the time savings before paying a single kobo.

Start free

Seamless Bookkeeping & Tax Vault Dynamics

Stop waiting for month-end reconciliation. KoboSync automatically partitions incoming customer webhooks into clean accounting entries, isolates VAT tax-pots, audits transaction fees, and syncs directly to QuickBooks or Xero.

QB

QuickBooks Online

Automatic ledger writing

XE

Xero Integration

Invoice mapping matrix

FI

FIRS 7.5% Tax Auditing

VAT segregation pot

Database Ledger Appends

Real-time sync intervals

FIRS & GAAP Compliance Analysis

Transaction Fund Distribution

Dynamic visual telemetry tracing Gross inflows, VAT holdbacks, and pure Net merchant settlements across active corridors.

Net Yield Ratio91.8%of raw acquisition
VAT Holdback7.5%VAT isolated
TAX ISOLATION LAB
SIMULATOR
Gross Invoice Volume150,000
₦5,000₦500k₦1,000,000
%
AUTOMATED FUNDS SPLITTER
Net settled: ₦136,750
7.5% VAT: ₦11,250
Fee (1.5%): ₦2,000
Central Accounting Record

Real-time Unified Tax Ledger

IDDATE / SOURCEREFERENCEGROSSVAT (7.5%)GATEWAY FEENET SETTLEMENT
TX-9082May 31, 14:10Paystackpstk_9082103ab250,000.0018,750.002,000.00229,250.00
TX-7781May 31, 12:45Flutterwaveflw_711a910bf85,000.006,375.001,190.0077,435.00
TX-6120May 31, 09:30Monnifymon_c08912ef0540,000.0040,500.002,000.00497,500.00
TX-4991May 31, 08:15Paystackpstk_4921bf3a1120,000.009,000.001,800.00109,200.00
Click any transaction entry row above to load real-time accounting and VAT details.
Aggregated Gross995,000
FIRS VAT Hold74,625
Gateway Fees Paid6,990
Net Settlement913,385

Watch the Commerce OS Work in Real-Time

Select any real-world business scenario below to witness how the KoboSync pipeline handles signatures, converts kobo natively, blocks duplicates, and dispatches automated customer briefs.

Scenario

Standard Sale

Live Demo
incoming-webhook.json
{
      "event": "charge.success",
      "data": {
        "id": 41209384,
        "domain": "live",
        "status": "success",
        "reference": "pstk_std_209aef82",
        "amount": 1500000, 
        "currency": "NGN",
        "gateway_response": "Successful",
        "customer": {
          "email": "emeka@lagos-bakes.com",
          "phone": "+2348039201928"
        },
        "channel": "card",
        "metadata": {
          "referrer": "shopify"
        }
      }
    }
HMAC Signature headersha512::5da217e99b0cde22af90918bdca7718e2ff8701cdb82a17f
Command Sheet Ledger
Active Sync
Date (WAT)SourceCustomerGrossNetStatus
May 30, 20:12Paystackemeka..₦15,000₦14,675Written
May 30, 19:40Flutterwavetoyin..₦3,500₦3,433Written
May 30, 18:15Monnifykalu..₦65,000₦64,350Written
Sheet RowChecking ledger...
WhatsApp ReceiptQueuing brief...
Tax Vault PotCalculating VAT...
Monthly ForecastCalculating projections...
KoboSync agent-ops.log
OS Version: v2.8-WAT
Live Sync Pipeline StatusActive webhook loop monitoring
Webhook Ingress
Signature Verified
Duplicates Filtered
Ledger Appended

Built to Grow with Your Business

KoboSync starts as your background reconciliation agent. It grows into the operating system of your entire commerce portfolio. Flat Naira pricing prevents currency shock.

Starter Sync

For small merchants and side-hustlers testing out automated spreadsheet pipelines.

Free
Capabilities:
Up to 100 transactions/mo
Paystack & Flutterwave support
Standard Google Sheets Sync
PDF receipt templates via Email
Community group support
Standard transaction delay
Zero setup fees • Cancel anytime
RECOMMENDED
Commerce OS

The core plan designed for growing Nigerian retail, ecommerce, and software businesses.

₦8,000/ month billed annually
Capabilities:
Unlimited transactions/mo
Paystack, Flutterwave & Monnify supported
Instant Sheets Sync (< 3 seconds)
Sync to Shopify, Selar, or custom webhooks
WhatsApp & PDF customer receipts
Automated VAT & FIRS-ready reports
Daily 8PM briefing summaries
Priority WhatsApp technical support
Enterprise Multi-Store

For major retail chains, large logistics businesses, and enterprises requiring detailed SLAs.

₦40,000/ month billed annually
Capabilities:
Multi-store ledger bridging
Deep Xero & QuickBooks ledger syncing
Dedicated account nodes & sandbox keys
SAML/SSO dashboard protection
Full 99.99% high-availability SLA
1-on-1 white glove architecture support

Why not Zapier, Xero, or a spreadsheet?

None of those endpoints were customized for Nigerian commerce mechanics. Here is the direct honest comparison.

Value Matrix ColumnManual SpreadsheetsKoboSync OSZapier Standard
Base Monthly CostFree (Your time)₦10,000 / mo$49 / mo (~₦78,000)
Automated Google Sheets Sync❌ No (Requires manual copy-paste)✅ Yes (Logs in 2 seconds)✅ Yes (Requires setup & Zap triggers)
Naira Fee Calculations (Natively parsed)❌ No (Calculated laboriously)✅ Yes (Parses kobo & percent caps)❌ No (Requires complex regex/python)
PDF Receipts via WhatsApp + Email❌ No (Sellers send manual DM screenshots)✅ Yes (Delivered automatically)⚠️ Partial (Requires Twilio key + extra fees)
Duplicate Webhook Mitigation❌ No (Double-spent records happen daily)✅ Yes (Deduplication filter)❌ No (Will write duplicate rows)
Daily 8 PM WAT Net Turnovers❌ No (Counted on weekend end)✅ Yes (WhatsApp daily briefing)❌ No (Not supported natively)
Billing CurrencyN/A₦ Naira (Stable, predictable)$ USD (Subject to FX shifts)
⚡ Save over ₦68,000 per month compared to standard raw integrations with Twilio + Zapier tiers.

All prices are completely predictable Naira flat-rates. Reconcile up to million-naira checkout logs natively without dealing with billing increments.

Loved by Growing Founders & CFOs

Real feedback from high-volume merchants and financial operations controllers who automated their commerce ledgers.

01

We replaced our entire manual operations team's tedious reconciliation sheets with KoboSync. It automatically logs payments into Google Sheets in 2 seconds, which completely eliminated customer WhatsApp disputes over failed transfers.

Adebayo Williams
Adebayo Williams

Founder & CEO · ShopNectar Nigeria

02

The duplicate payment protection filter caught and blocked double charge webhooks that previously ruined our finance records during bank network fluctuations. Having WhatsApp receipts sent automatically saves us hours.

Verny Joy
Verny Joy

Merchant Operations Director · Lagos Apparel Co.

03

KoboSync's VAT tracking and daily briefing summaries are a lifesaver. We can now see our net revenue and tax obligations in real-time, which is crucial for our accounting team. The automated VAT reports are FIRS-compliant and save us from manual calculations.

Humbe Jeffrey
Humbe Jeffrey

Founder & CTO · KoboSync

04

The API keys are cryptographically guarded with AES-256-GCM directly. KoboSync sets up webhooks that perform 100% bank-grade HMAC signature verification at the edge. A spectacular asset.

Yemi Wallington
Yemi Wallington

Staff Engineering Lead · Vertex Retail Ventures

01

We replaced our entire manual operations team's tedious reconciliation sheets with KoboSync. It automatically logs payments into Google Sheets in 2 seconds, which completely eliminated customer WhatsApp disputes over failed transfers.

Adebayo Williams
Adebayo Williams

Founder & CEO · ShopNectar Nigeria

02

The duplicate payment protection filter caught and blocked double charge webhooks that previously ruined our finance records during bank network fluctuations. Having WhatsApp receipts sent automatically saves us hours.

Verny Joy
Verny Joy

Merchant Operations Director · Lagos Apparel Co.

03

KoboSync's VAT tracking and daily briefing summaries are a lifesaver. We can now see our net revenue and tax obligations in real-time, which is crucial for our accounting team. The automated VAT reports are FIRS-compliant and save us from manual calculations.

Humbe Jeffrey
Humbe Jeffrey

Founder & CTO · KoboSync

04

The API keys are cryptographically guarded with AES-256-GCM directly. KoboSync sets up webhooks that perform 100% bank-grade HMAC signature verification at the edge. A spectacular asset.

Yemi Wallington
Yemi Wallington

Staff Engineering Lead · Vertex Retail Ventures

The ones every merchant asks before signing up.

Everything you need to know about key security, sheet sync intervals, duplicate payment mitigation, and VAT reporting.

KoboSync is a Commerce OS for Nigerian merchants that automatically reconciles Paystack, Flutterwave, and Monnify payment gateway transactions into Google Sheets, Xero, and QuickBooks in under 3 seconds. It handles VAT tracking, automated PDF receipts, payout reconciliation, revenue forecasting, and multi-currency accounting.

Unlock the operating system of your commerce

Whether you operate multiple Shopify stores making millions in turnover, or need assistance connecting legacy QuickBooks files, our team is ready to onboard you.

1-on-1 custom merchant setup support
Custom ledger sync intervals under 2 seconds
Continuous 24/7 transaction failover monitors

Request Onboarding Consultation

✓ Tailored Stack Demo✓ No Sales Pressure✓ Response under 2 Hours