Built for ~/Nigerian Commerce.
KoboSync is a Commerce OS for Nigerian merchants. It automates the work that happens after a payment clears — reconciliation, receipt delivery, bookkeeping, VAT tracking — so merchants can focus on selling, not on spreadsheets.
< 3s
Sync latency
3
Gateways supported
₦10k
Pro plan / month
256-bit
AES-GCM encryption
Who we are
Legal name
KoboSync Technologies LTD
Registration
Nigeria Corporate Affairs Commission (CAC)
Founded
2026
Headquarters
Surulere, Lagos, Nigeria
Classification
Software company
Regulatory status
Not a CBN-regulated financial institution
KoboSync is a pure software and data layer. It does not hold or move customer funds.
KoboSync is a Naira-denominated SaaS structured as a standard shares company. Because it operates as a software layer and does not process, hold, or transfer money on behalf of merchants, it sits outside the scope of CBN payment institution regulations. Merchants retain full control of their gateway accounts and bank settlements.
What Nigerian merchants deal with every day
Every time a Nigerian merchant makes a sale, a series of manual tasks begins. The Paystack dashboard needs to be opened. The transaction needs to be copied into a spreadsheet. A receipt needs to be sent manually. The VAT needs to be calculated and set aside. At month end, the accountant needs an export.
For a business doing fifty sales a day, this is hours of work that generates zero revenue. For a business doing five hundred sales a day, it is a full-time job. The bigger the business, the heavier the manual overhead — until the spreadsheet breaks, the VAT is miscalculated, or a settlement goes unmatched.
Manually copying Paystack transactions into spreadsheets
Sending receipts one by one from a Gmail draft
Calculating VAT at month-end from a CSV export
Cross-referencing bank statements against gateway payouts
Emailing the accountant an export that's already out of date
Losing track of which customers paid and which did not
The automated pipeline
After a merchant connects their gateway and Google account, KoboSync takes over. No polling, no manual exports — every payment triggers the full reconciliation pipeline automatically.
Webhook received
A customer completes a payment. Paystack, Flutterwave, or Monnify sends a signed HTTP POST to KoboSync.
Signature verified
KoboSync authenticates the request using HMAC SHA-512. Requests that fail verification are rejected.
Fee & VAT calculated
Net profit is computed after gateway fees. VAT is extracted at 7.5% (inclusive or exclusive) for FIRS compliance.
Ledger updated — under 3 seconds
Transaction is written to Google Sheets, posted as a journal entry in Xero or QuickBooks, and stored in KoboSync's own audit log.
Receipt dispatched
A PDF receipt is generated and delivered to the customer. WhatsApp confirmation is sent if the customer has opted in.
The ecosystem it connects
KoboSync acts as the bridge between Nigerian payment infrastructure and international accounting tooling. All connections use OAuth — no API keys are shared in plain text.
Payment gateways
Accounting & ledger
How merchant data is protected
KoboSync handles merchant API keys and payment data. The security model is designed so that even a database breach exposes nothing usable.
AES-256-GCM encryption at rest
All stored Paystack, Flutterwave, and Monnify API keys are encrypted using AES-256-GCM before being written to the database. The encryption key is never stored alongside the data it protects.
HMAC SHA-512 webhook verification
Every incoming webhook is authenticated against the provider's cryptographic signature before any data is read or processed. Requests that fail verification return 401 and are logged.
Durable write recovery
KoboSync returns HTTP 200 to payment gateways immediately — that response is irrevocable. A durable pending-writes queue ensures that if a Google Sheets write fails, it is retried until confirmed, with no data loss.
Full audit trail
Every webhook event, successful write, failed write, and duplicate detection is logged with its agent note. Merchants can see exactly what KoboSync processed and why any transaction was accepted or rejected.
Role-based team access
Owner, Admin, Accountant, and Analyst roles with granular permissions. An Accountant can view tax records and log expenses but cannot delete bridges or manage billing.
No fund handling
KoboSync is a pure software and data layer. It reads transaction events and writes records — it never touches the money. Gateway settlements go directly from provider to the merchant's bank account.
Built for Nigerian merchants at every scale
KoboSync is designed for any Nigerian business that collects payments online and needs those payments to automatically become accurate financial records.
E-commerce merchants
Selling physical goods via Paystack or Flutterwave and needing automatic order logging, receipts, and shipping-team notifications.
Service providers
Freelancers, agencies, and consultants collecting invoices via payment links who want automatic reconciliation without a bookkeeper.
SME owners
Small and medium businesses needing FIRS VAT compliance, Xero or QuickBooks integration, and multi-gateway reconciliation under one roof.
High-volume sellers
Merchants processing hundreds of transactions daily who need duplicate detection, payout reconciliation, and team-level audit access.
KoboSync is a fit if you
- Accept payments via Paystack, Flutterwave, or Monnify
- Want real-time Google Sheets logging without manual data entry
- Need FIRS-compliant VAT tracking at Nigeria's 7.5% rate
- Want Xero or QuickBooks updated automatically at point of sale
- Process enough volume that manual reconciliation costs you time or money
Connect your first gateway in minutes.
The Starter plan is free. Paste your Paystack webhook URL, share your Google Sheet, and KoboSync starts reconciling immediately — no code required.
Questions? support@kobosync.com