Now in active development · Join the waitlist

Stop Chasing.
Start Getting
Paid.

Kova is the AI-powered invoicing app built for how Nigerian freelancers actually work — WhatsApp-first, offline-first, and armed with AI that chases your clients so you don't have to.

8+
Milestones shipped
7
Currencies supported
₦0
To start — forever free
✓ Payment confirmed — ₦150,000
INVOICE #INV-2026-042
Issued: 20 May 2026
Due: 27 May 2026
BILLED TO
Adaeze Okafor
adaeze@studio.ng
Brand Identity Design ₦85,000
Social Media Kit ₦45,000
Source files ₦20,000
TOTAL DUE
₦150,000
SCROLL

Payment chasing is your second job. It shouldn't be.

You're a designer, a developer, a consultant — not a debt collector. Yet here you are, sending that third "please confirm" WhatsApp at 11pm.

😩
The Invoice Paper Trail
Google Docs invoices. WhatsApp PDF attachments. "Just send me your account number." You've built a freelance business on vibes and bank transfers. There's no record, no system, no reminder sequence.
🏃
The Payment Chase
The invoice is 14 days overdue. You've sent 3 WhatsApps, 2 emails, and you're still getting "I'll send it today." Your time should go to doing more work — not following up on work you already did.
🌍
Tools Built for Somewhere Else
FreshBooks, Wave, Invoice Ninja — all built for USD-first, bank-card-paying, reliable-internet-having freelancers. Not for you. Not for Paystack. Not for WhatsApp. Not for Nigeria.

Everything you need.
Nothing you don't.

WhatsApp is your
invoice delivery layer.

In Nigeria, email is what you use to sign up for things. WhatsApp is how you actually communicate. Kova sends invoices where your clients actually are — with a pre-filled message, a payment link, and a branded card that previews beautifully in the chat.

  • One tap to share. Generates a WhatsApp-ready message with the invoice amount, due date, and direct Paystack payment link.
  • Branded OG preview. Your invoice link shows a rich card in WhatsApp — not a raw URL.
  • Auto-mark paid. When your client pays via the link, the invoice status updates automatically via Paystack webhook.
  • WhatsApp-native reminders. AI-drafted reminder messages sent exactly through WhatsApp — not email.
WhatsApp Preview

Three strikes.
AI writes them all.

Kova sends a 3-stage payment reminder sequence, AI-drafted and perfectly timed. You choose the tone — polite, firm, or direct. You review and edit before it goes out. Then Kova sends it automatically on the day it needs to go.

  • Stage 1 — 3 days before due. Friendly heads-up. The client is reminded before they're late.
  • Stage 2 — Day after due. Firm but professional. The ball is in their court.
  • Stage 3 — 7 days overdue. Direct. Reads the room. No more "friendly reminder" energy.
  • Tone selection. Polite · Firm · Direct — each maps to a different prompt library so the message sounds like you, not like a bot.
Reminder — Stage 3 · Direct Tone
AI DRAFTED · EDITABLE BEFORE SENDING
Emeka — your invoice INV-2026-038 for ₦85,000 is now 7 days overdue.

Pay here: pay.kova.app/inv-038

If there's an issue with the payment, let me know today.
SEND VIA WHATSAPP
EDIT

Speak it.
Invoice it.

Record a 30-second voice note describing the job. Kova transcribes it with Whisper, extracts the client name, line items, hours, agreed price, deposit paid, and balance due — then shows you a draft invoice to confirm. All without typing a single line.

  • OpenAI Whisper transcription. Handles Nigerian English, Pidgin, mixed-language descriptions accurately.
  • LLM extraction. Gemini 2.5 Flash parses the transcript and populates every invoice field.
  • Market rate intelligence. If your quoted price seems low, Kova surfaces Nigerian freelance market rates for that service category so you know before you send.
  • PRO feature. Unlimited voice-to-invoice on the PRO plan.
Voice-to-Invoice Demo
🎙 Recording… 0:18
"I built a three-page website for Chioma at TechNest, took about 4 days, we agreed on ₦200,000, she already paid a ₦50,000 deposit"
CLIENT
Chioma — TechNest
SERVICE
3-page website
TOTAL
₦200,000
BALANCE DUE
₦150,000

Snap it.
File it automatically.

Point your camera at any receipt — printed, thermal, handwritten — and Kova extracts the amount, date, vendor, and category. No manual entry. Expenses tracked before you forget about them.

  • On-device Tesseract OCR. Works offline. Zero API cost. Processes in seconds.
  • Gemini post-processing. Handles ambiguous text, Nigerian vendor names, handwritten receipts.
  • Auto-categorise. Transport, meals, internet, software, stationery — Kova classifies and you confirm.
  • FIRS-ready export. Annual expense summary in a format your accountant can actually use.
Receipt OCR Scan
PRINTEX BUSINESS HUB
Lagos, Nigeria · 08012345678

Business cards (500)₦8,500
Flyer printing (100)₦4,000
Lamination₦1,500
TOTAL PAID₦14,000
19 May 2026 · CASH
✓ EXTRACTED AUTOMATICALLY
VendorPrintex Business Hub
Amount₦14,000
Date19 May 2026
CategoryMarketing

Works on 2G.
Syncs when you're back.

Your connection shouldn't dictate whether you can do your job. Kova stores everything locally and syncs when you're back online — silently, in the background, with no lost data.

  • TanStack Query + AsyncStorage persister. Invoice data survives app restarts, even without a signal.
  • Failed mutations queued. Created an invoice offline at a client meeting? It queues and sends the moment connectivity returns.
  • Sync toast. A subtle "Syncing…" indicator when the queue flushes — then silence.
  • No spinner. No blocked UI. The app never makes you wait for a network you don't have.
Sync Queue · Reconnected
📡 Back online — syncing 3 items…
📄
INV-2026-043 · Blessing Designs
Created offline · 3 mins ago
✓ Synced
🧾
Expense — Bolt receipt ₦2,400
OCR captured offline · 8 mins ago
✓ Synced
👤
New client — Funmilayo Adeyemi
Added offline · 12 mins ago
⟳ Syncing…

Know before
you invoice.

Kova tracks every client's payment history silently in the background. By the time you're creating an invoice, you already know who's reliable, who's slow, and who needs a deposit up front.

  • Green — pays within 3 days. Your best clients. Invoice with confidence.
  • Yellow — pays in 7–14 days. Reliable but slow. The standard reminder sequence handles them.
  • Red — 30+ days, or multiple chases needed. Kova flags this and recommends requiring a deposit before you start work.
  • Tooltip context. "This client typically pays in 12 days" — so you know, not just a colour code.
Client Risk Dashboard
AO
Adaeze Okafor
Avg. payment: 2 days · 100% on time
LOW RISK
TN
TechNest Ltd
Avg. payment: 11 days · 1 late this year
MEDIUM
EK
Emeka Kalu
Avg. payment: 34 days · Chased 3×
⚠ DEPOSIT ADVISED

Time your FX.
Keep more money.

If you invoice diaspora clients in GBP, USD, or EUR, the exchange rate you convert at matters — a lot. Kova monitors the NGN rate against a 30-day average and alerts you when it's unusually favourable to convert. Not daily noise — only when it actually matters.

  • Live rates via ExchangeRate-API. Polled every 6 hours. Compared to your 30-day average automatically.
  • Alert banner — not spam. Only fires when NGN/USD moves more than 2% above average.
  • Grey.co integration (V2). Convert directly in-app at 1% — no bank queue, no waiting days.
  • Multi-currency invoicing. NGN · USD · GBP · EUR · GHS · KES · ZAR — PRO plan.
FX Rate Alert
NGN/USD — 30 days
NGN/USD is currently ₦1,632 — 3.4% above your 30-day average of ₦1,578. Good time to convert your outstanding USD invoice.

From job done to money received — in four steps.

01
✍️
Create Your Invoice
Type it, speak it, or scan a receipt. Kova generates a professional, branded invoice in seconds. AI fills in the boring bits.
02
📲
Send via WhatsApp
One tap. Your client gets a WhatsApp message with the invoice amount, due date, and a direct payment link. No email required.
03
🤖
AI Chases for You
Kova sends a 3-stage reminder sequence on the right days. You approve the drafts. The AI sends them. You move on to the next job.
04
💰
Get Paid. Automatically.
Client pays via Paystack payment link. Invoice marks itself paid. Dashboard updates. Your bank account does the rest.

Intelligence that pays for itself
with the first invoice it recovers.

At 500 users, Kova's total AI cost is under $4/month. That's less than a single late invoice costs you. Every feature is designed to recover more revenue than it costs to run.

M10 · AI Foundation

Auto-Generated Descriptions

Type "website branding 4 days" and hit Enhance. Kova rewrites it into professional business language that makes your invoice look like it came from a studio — not a rushed WhatsApp message.

💬
M10 · AI Foundation

Smart Payment Reminders

Three stages. AI-drafted. Sent on exactly the right days — before due, day after, 7 days overdue. Your chosen tone. Editable before it goes. The most-used PRO feature before we've even launched.

🎙
M11 · AI Power

Voice-to-Invoice

30 seconds of speaking is all it takes. Kova transcribes, extracts, and pre-fills your invoice — client name, line items, deposit paid, balance due. Built for finishing a job and invoicing on the way home.

📸
M11 · AI Power

Receipt OCR & Auto-Categorisation

Snap any receipt. Kova extracts the amount, vendor, date, and category automatically — no typing. Free users get 3 scans/month. PRO is unlimited. Works offline, on-device, at zero API cost.

📊
M11 · AI Power

Market Rate Intelligence

When you voice-create an invoice, Kova cross-checks your rate against live Nigerian freelance market data (web dev, design, copywriting, video editing). "Your rate is ₦150k — market says ₦80k–₦200k. You're in range." Know before you send.

📈
V3 · Advanced AI

Revenue Forecasting

Based on your recurring clients and historical invoice patterns, Kova predicts your next 3 months of income. Know if you need to find a new client before you're already short.

⏳ Coming in V3

Built for the Nigerian freelancer's wallet.

Start free. Upgrade when Kova recovers enough invoices to justify it — which usually happens within the first two months.

Monthly
Annual SAVE ₦5,000
Free Forever
0/mo
No card required · Always free
For freelancers just getting started — or who want to try Kova before committing.
5 invoices per month
3 clients
PDF with Kova branding
WhatsApp sharing
Paystack payment links
Offline invoice creation
5 AI descriptions/month
3 OCR receipt scans/month
Smart reminders
Voice-to-invoice
Multi-currency
Client risk scoring
Join Waitlist
Business
7,500/mo
Coming in V2
For agencies, studios, and freelancers who work with a small team.
Everything in PRO
Up to 5 team members
Role-based permissions (admin, billing, viewer)
Advanced reporting dashboards
API access + webhooks
Custom domain invoicing (invoice.yourdomain.com)
Bulk invoice operations
Dedicated account manager
Dedicated Workspace (₦25k/mo)
Join Waitlist
Diaspora pricing: UK — PRO at £4.99/mo · Dedicated Workspace at £16.50/mo · US — PRO at $6.99/mo · Dedicated Workspace at $23/mo
All plans include Paystack + Flutterwave payment processing.

Your clients pay in pounds.
Kova handles the conversion.

Whether you're in Lagos billing a London-based founder, or you're in Manchester billing clients back home — Kova handles multi-currency without the bank queue.

💱

FX Timing Alerts

Get notified when the NGN/USD or NGN/GBP rate is unusually favourable. Convert when it makes sense, not just when you remember.

Grey.co Integration (V2)

Convert NGN ↔ USD/GBP/EUR at 1% — directly inside Kova. No bank, no queue, no 3-day wait. Available as a payment option on PRO invoices.

🌍

Diaspora-aware pricing

UK users pay £4.99/month. US users pay $6.99/month. The same PRO features, priced for your local economy — not converted at whatever rate is worst for you.

🇳🇬
NGN
Nigerian Naira · Primary
🇺🇸
USD
US Dollar
🇬🇧
GBP
British Pound
🇪🇺
EUR
Euro
🇬🇭
GHS
Ghanaian Cedi
🇰🇪
KES
Kenyan Shilling
🇿🇦
ZAR
South African Rand
More
In V2

Kova doesn't stop at invoicing.

Every milestone is designed to go deeper into the Nigerian freelancer's financial workflow — from sending invoices to getting advances on them.

Live in M1–M8
Core Invoicing Engine
Clients, quotes, invoices, PDF generation, Paystack + Flutterwave payments, WhatsApp sharing, email via Resend, Google OAuth, dashboard KPIs, settings. The full foundation is shipped.
M9–M11 · In Build
Pricing, Gating & AI
Feature gating per plan (M9), AI foundation — smart reminders + description enhancer (M10), then full AI power: voice-to-invoice, OCR, risk scoring, FX timing intelligence (M11).
M12 · Planned
Dedicated Workspace
Schema-level data isolation for serious freelancers and agencies. Your own PostgreSQL schema. Custom subdomain. Annual compliance export. NDPA-ready. At ₦25,000/month with 100% gross margin.
M13 · Year 2
Private Cloud
Full project isolation. Your own dedicated Supabase instance. Choice of data region. A Data Processing Agreement. Built for compliance certification and enterprise-grade security at ₦35,000/month.
V2 · Planned
E-Signature + Document Storage
Attach a digital signature to quotes and contracts before you send them. Store contracts, project briefs, and signed agreements contextually on invoices. Full audit trail. Legally valid in Nigeria.
V3 · Future
Kova Advance
Invoice factoring — get paid immediately on outstanding invoices via a partner Nigerian fintech (Brass, Moniepoint) at a 2–5% fee. Kova earns a referral commission. No capital risk. Your cash flow problem, solved.

Be the first Nigerian freelancer
who never chases a payment again.

Kova is in active development. Join the waitlist for early access, launch pricing, and a direct line to the builder.

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