Made with BalansYour client just opens a link.
No account, no app, no bank details copied out of a chat. They see what they owe and tap Pay. You hear about it in WhatsApp the moment it clears.
balans.ng/i/7Fq2kP…
Invoice
No. 14
Amount due
₦350,000
Due Friday, 25 September
Pay ₦350,000
Card, transfer or USSD · Monnify
The page shows your business, the work, and what is left to pay. Nothing else.
0
accounts to create
Your client never signs up for anything. The link is all they need, and it works on any phone.
However they like to pay
- Card
- Bank transfer
- USSD
Checkout is Monnify's, so the card details never touch us.
Deposits, if you asked for one
Only the next part is payable, so nobody pays the wrong half.
- Deposit₦175,000Paid
- Balance₦175,000Pay
A receipt goes out for you
Receipt 0012
- Paid
- 3 September 2026
- From
- Zenith Homes
- Amount
- ₦350,000
The link never goes stale
Payment is set up the moment they tap Pay, so a link you sent last month still works today.
balans.ng/i/7Fq2kP…
Type it the way you'd say it.
Shorthand amounts, “Friday”, “month end”, a bit of Pidgin. Balans works out what you mean, then shows you a draft before anything is sent.
You type
Balans reads
Invoice for Tunde
- Amount
- ₦20,000
- For
- Logo
- Due
- Mon 28 Sep (7 days)
Amounts, the short way
- 350k→₦350,000
- 1.2m→₦1,200,000
- 2.5k→₦2,500
Dates people actually use
- “due Friday”→Fri 25 Sep
- “month end”→Wed 30 Sep
- “in two weeks”→Mon 5 Oct
Lagos time, always.
The maths is never guessed
Reading your message is one job. Every naira, fee and total is worked out by our own code, then shown to you before it goes.
Your invoice, your look.
2 templates to start, 6 more on Pro. Same numbers, same payment link — a different impression when your client opens it.
ClassicFree
The Balans default. Your name first, the amount stated early, nothing to puzzle over.
Say “use Atelier” in the chat and every quote, invoice and receipt you send from then on uses it. Free documents carry a small Made with Balans line; on Pro they carry your branding alone.
Your money never passes through us.
Your client pays on Monnify's checkout by card, transfer or USSD. Monnify splits the payment there and then: your share goes to your account, our small fee comes out in the same step.
Our fee has a ceiling. On Free it never goes past ₦1,000, on Pro never past ₦500, however big the job.
Try an amount on the receipt.
Where it goes
Your client pays · Monnify splits it
Settles next business day, straight from Monnify.
Made for people who bill clients: Photographers, caterers, event planners, tutors, repair shops, small agencies, designers, developers, writers, consultants.
- Quotes
- Send a quote, then say “convert quote 3” when they agree. The invoice fills itself in.
- Deposits and milestonesPro
- “50% deposit”, “30/70” or “three equal parts”. Your client pays each part from the same link.
- Pass fees to your client
- The client total covers Monnify's fee, so you receive the invoice amount minus only our fee.
- RemindersPro
- Polite emails on the due date, then 3 and 7 days after. Never at night, and they stop once you're paid.
- “Who owes me?”
- Unpaid invoices grouped by how late they are, with totals, in one message.
- Receipts and summaries
- A receipt for you and your client on every payment, and a summary of your month on the 1st.
Free to start. A small fee when you're paid.
Free
₦0
- Documents
- 5 a month
- Fee when you're paid
- 1%, min ₦100, max ₦1,000
- Invoice templates
- 2 to choose from
- Branding
- “Made with Balans” footer
- Invoice by email
- –
- Reminders
- A nudge to you on the due date
- Deposits and milestones
- –
Pro
₦4,000/month
- Documents
- Unlimited
- Fee when you're paid
- 0.5%, min ₦50, max ₦500
- Invoice templates
- All 8
- Branding
- Your logo only
- Invoice by email
- Sent to your client, with open tracking
- Reminders
- Automatic emails to your client
- Deposits and milestones
- Included
Everyone starts on Free, and you pick a plan in the chat once we open. Monnify's own fee is 1.5%, capped at ₦2,000, plus VAT. You can pay it or pass it to your client. Pro can be paid by link or taken from your next paid invoice.
When does Balans open?
Soon, in Nigeria first. We are finishing the WhatsApp and Monnify reviews before we let people in. Join the waitlist and you get one email the day it opens, and nothing else in the meantime.
Does Balans hold my money?
No. Monnify splits every payment at the moment your client pays. Your share settles to your own bank account, usually the next business day. Balans never receives or holds your funds.
Does my client need an account or an app?
No. They open the link, see the invoice and pay by card, bank transfer or USSD on Monnify's checkout. The PDF and their receipt are on the same page.
How will I set it up?
When we open, you send “Hi” on WhatsApp. Balans asks for your business name, your bank and account number, and an email address. We confirm the account name with your bank before anything is created. It takes about three minutes.
Can I change how my invoice looks?
Yes. There are 8 templates: 2 on Free and all 8 on Pro. Pick one in the chat and every document you send from then on uses it. Documents you already sent keep the look they went out with.
Can I use my own logo?
Yes, on Pro. Send the image in the chat and your documents carry your logo with no Balans branding.
What can't I bill for?
Balans is for services and work you deliver. Investments, forex, crypto schemes, loans, gambling and adult services are not allowed. The terms have the full list.
What if I change my bank account?
You can do it from the chat. It needs a code sent to your verified email, we alert you on WhatsApp and email, and the new account takes effect 24 hours later.