Pricing Plans | Mutual Africa Pay

Simple, transparent pricing

Start free. Scale as you grow. No hidden fees, no long-term contracts.

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Starter

Core tools to run your business. No credit card required.

Free

Forever free

✓10 invoices / month
✓10 quotes / month
✓10 Mark AI messages / month
✓1 team member
✓Invoicing & quotes
✓Expense tracking
✓Contacts & basic P&L
✓Mark AI — insights & comments
✓Unlimited customers, suppliers & employees
✕Statements & recurring invoices
✕Customer & supplier portal
✕Payroll, POS & inventory

Get started free

Solopreneur

For freelancers and solo operators growing their client base.

^$14.99/mo

Billed monthly

✓30 invoices / month
✓30 quotes / month
✓30 Mark AI messages / month
✓1 team member
✓Everything in Starter
✓Statements & recurring invoices
✓Automated payment reminders
✓Bring your own payments — free integration
✓Unlimited customers, suppliers & employees
✓Mark AI — insights & comments
✕Customer & supplier portal
✕Payroll, POS & deal pipeline

Start Solopreneur

Most popular

Growth

The full suite for scaling businesses. Unlimited access, hands-on AI.

^$44.99/mo

5 seats incl. · additional seats $3.99/mo

✓Unlimited invoices & quotes
✓Unlimited Mark AI messages
✓5 team member seats incl. · +$3.99/mo each
✓Everything in Solopreneur
✓Customer, supplier & employee portal
✓Unlimited portal users
✓Deal pipeline / CRM
✓Payroll, POS & inventory
✓Email marketing & cash flow forecasting
✓Unlimited customers, suppliers & employees
✓Mark AI — actions, reports & business insights
✕Lending & multi-entity

Start Growth

Enterprise

Tailored for large operations. Custom domain, dedicated support, white-label.

Custom

Tailored to your business

✓Everything in Growth
✓Unlimited team member seats
✓Lending
✓Multi-entity support
✓Custom domain & email
✓White-label for accountants
✓Dedicated account manager
✓Advanced tax compliance
✓API access & full audit trails
✓Mark AI — autonomous actions
✓Unlimited customers, suppliers & employees

Contact sales

Customers, suppliers and employees on the portal are never restricted — unlimited on all plans. Only internal team member (staff) seats count toward your plan limit.

Full feature comparison

Feature	Starter	Solopreneur	Growth	Enterprise
Monthly limits
Invoices	10	30	Unlimited	Unlimited
Quotes	10	30	Unlimited	Unlimited
Mark AI messages	10	30	Unlimited	Unlimited
Team member seats	1	1	5 incl. · +$3.99/mo each	Unlimited
Customers, suppliers & employees	Unlimited	Unlimited	Unlimited	Unlimited
Finance
Invoicing & quotes	✓	✓	✓	✓
Expense tracking	✓	✓	✓	✓
Statements	✕	✓	✓	✓
Recurring invoices	✕	✓	✓	✓
Payment reminders	✕	✓	✓	✓
Bring your own payments (free integration)	✕	✓	✓	✓
Portal
Customer & supplier portal	✕	✕	✓	✓
Employee portal	✕	✕	✓	✓
Portal users	✕	✕	Unlimited	Unlimited
Operations
Deal pipeline / CRM	✕	✕	✓	✓
Inventory management	✕	✕	✓	✓
Point of sale (POS)	✕	✕	✓	✓
Payroll	✕	✕	✓	✓
Email marketing	✕	✕	✓	✓
Lending	✕	✕	✕	✓
Mark AI assistant
Financial insights & comments	Read-only	Read-only	Full access	Full access
Send follow-up invoices automatically	✕	✕	✓	✓
Detailed business reports	✕	✕	✓	✓
Analytics & cash flow forecasting	✕	✕	✓	✓
Action plans & improvement proposals	✕	✕	✓	✓
Autonomous actions	✕	✕	✕	✓
Enterprise
Multi-entity support	✕	✕	✕	✓
Custom domain & email	✕	✕	✕	✓
White-label for accountants	✕	✕	✕	✓
Dedicated account manager	✕	✕	✕	✓
API access	✕	✕	✕	✓

Common questions

Can I start for free without a credit card? +

Yes. The Starter plan is completely free and requires no credit card. You get invoicing, expense tracking, contacts, and access to Mark AI from day one.

What happens when I reach my monthly limit? +

You will be notified as you approach your limit. Once reached, you cannot create new invoices, quotes, or use Mark until the next calendar month — or upgrade instantly and the cap is lifted immediately.

Are customers, suppliers, and employees limited? +

No. Customers, suppliers, and employees on the portal are never counted toward any plan limit. Only internal team member (staff) seats are capped by your plan.

What does "bring your own payments" mean? +

From Solopreneur onwards you can connect your own payment gateway — PayPal, Stripe, PayFast, or any supported processor — at no extra integration fee. Your funds go directly to your account.

What can Mark do on Growth vs Starter? +

On Starter and Solopreneur, Mark reads your financial data and provides insights and commentary. On Growth and Enterprise, Mark becomes hands-on — it can send follow-up invoices, generate detailed business reports, analyse performance, and propose concrete action plans to improve your business.

Can I change plans at any time? +

Yes. Upgrades take effect immediately. Downgrades apply at the end of your current billing period. No cancellation fees.

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