Getting started

Mutual Africa Pay is an accounting and payments software platform built specifically for African businesses. It combines invoicing, expense tracking, financial reporting, payroll, payments, banking reconciliation, and business operations management into a single connected system — so that everything a business needs to manage its finances and operations is in one place rather than spread across multiple disconnected tools.

Mutual Africa Pay is designed for businesses of all sizes operating across African markets — from sole traders and freelancers on the free Solopreneur plan through to large enterprises and multi-entity groups on the Enterprise plan. The platform is built to handle the currencies, payment channels, compliance requirements, and business realities specific to African commerce, rather than being a Western-market product adapted for African use.

What Mutual Africa Pay covers

The platform is organised into seven product areas. The Accounting and Finance module covers invoicing, expense tracking, profit and loss reporting, balance sheet, VAT reporting, and aged receivables and payables. The Payments module covers payment links, recurring billing, multi-currency settlements, utilities payments, and payments infrastructure. The Banking module covers bank reconciliation and open banking connections. The Business Operations module covers client management, supplier management, inventory, purchase orders, quotes, project tracking, document storage, and point of sale. The People and Growth module covers payroll processing, email marketing, and cash flow intelligence. The Compliance and Administration module covers roles and permissions, audit trail, POPIA and GDPR compliance, and business lending. The Integrations module covers WhatsApp and SMS invoicing, accounting data migration, e-commerce connectors, the mobile app, and the enterprise module.

Creating a Mutual Africa Pay account takes less than five minutes. You will need a valid email address and a phone number to complete the process.

After your account is set up

Once your account is active, Mutual Africa Pay will walk you through a short setup checklist — connecting a bank account, adding your first client, and sending your first invoice. Completing the checklist takes around ten minutes and ensures that the core features are ready to use from day one.

Mutual Africa Pay allows you to add team members to your account and control exactly what each person can access. This is available on the Growth plan and above. The Solopreneur plan is a single-user account.

How to invite a team member

Available roles

Owner — Full access to every module, setting, and financial record. The owner role is assigned to the account creator and is the only role with access to billing and user management.

Accountant — Full access to all financial modules including invoicing, expenses, reporting, bank reconciliation, VAT, and payroll. No access to business settings or user management. Designed for internal finance staff or external accountants.

Manager — Access to operational modules including client management, supplier management, inventory, purchase orders, quotes, and projects. View-only access to financial reports. Cannot access payroll or financial configuration.

Viewer — Read-only access to specified modules. Designed for directors, investors, or advisors who need visibility without the ability to create or edit records.

Your organisation profile in Mutual Africa Pay controls the information that appears on all invoices, statements, quotes, and financial documents your business produces. Keeping it accurate and complete ensures your documents look professional and contain the correct legal and contact details.

What your organisation profile contains

The profile holds your business legal name, trading name if different, registered address, contact telephone number, email address, website, business registration number, VAT registration number, company logo, and your base currency. It also stores your financial year settings, which determine how annual reports and year-to-date figures are calculated.

How to update your organisation profile

Mutual Africa Pay offers four plans. The right plan depends on the size of your business, the number of people who need access, and which features you need. You can upgrade at any time — your data carries across automatically and the upgrade takes effect immediately.

Solopreneur — Free

The Solopreneur plan is permanently free for businesses that stay under one hundred invoices and quotes per month combined. It includes invoicing and billing, expense tracking, profit and loss reporting, client management, payment links, quotes and estimates, document storage, the mobile app, and WhatsApp payment notifications. It supports one user and one business entity. There is no time limit on the free plan — it is free for as long as your transaction volume stays under the monthly cap.

Growth — R249.99 per month

The Growth plan is designed for businesses that have outgrown the Solopreneur limits. It supports up to three users and one entity, with up to one thousand transactions per month. It includes all Solopreneur features plus VAT reporting, recurring billing, supplier management, purchase orders, bank reconciliation, open banking connections, payroll processing, and email marketing.

Summit — R999 per month

The Summit plan is designed for growing businesses that need more users, higher transaction volumes, and the full feature set. It supports up to fifteen users and three entities, with up to fifty thousand transactions per month. It includes all Growth features plus inventory management, point of sale, project and job tracking, cash flow intelligence, multi-user roles and permissions, the audit trail, POPIA compliance controls, and e-commerce connectors.

Enterprise — Custom pricing

The Enterprise plan is for large organisations, multi-entity groups, financial institutions, and businesses with complex or regulated financial operations. It includes all Summit features plus custom workflow configuration, dedicated account management, enterprise service level agreements, bespoke integrations, and multi-entity management. Pricing is based on your organisation's requirements — contact the Mutual Africa Pay team to discuss.

Mutual Africa Pay supports full data migration from other accounting platforms including Xero, QuickBooks, Sage, Wave, and spreadsheet-based systems. Migration preserves your financial history so that switching to Mutual Africa Pay does not mean starting from scratch.

What can be migrated

Mutual Africa Pay can import your chart of accounts, client and supplier records with contact details and payment terms, historical invoice and transaction records, opening balances for all accounts, and existing product and inventory records where applicable.

How to start your migration

Getting help with migration

If your data is complex or you are migrating more than three years of financial history, the Mutual Africa Pay support team can assist. Submit a support ticket with Migration Assistance in the subject line and a member of the team will contact you to discuss the process.

The Mutual Africa Pay dashboard is the first screen you see when you log in. It gives you a real-time summary of your business's financial position without requiring you to run any reports manually. Everything on the dashboard updates automatically as invoices are raised, payments are received, and expenses are recorded.

Revenue and cash position

The top section of the dashboard shows your total revenue for the current month to date, your total expenses for the current month to date, and your net profit for the period. Below this is your current cash position — the combined balance across all connected bank accounts and any recorded cash positions. This figure reflects your actual available cash, not your invoiced revenue.

Outstanding receivables

The receivables widget shows the total amount currently owed to your business by clients — broken down into current, overdue by thirty days, overdue by sixty days, and overdue by more than ninety days. Clicking any bracket takes you directly to the filtered aged receivables report for that aging period.

Upcoming payables

The payables widget shows supplier bills and other obligations due in the next thirty days. This gives you visibility into upcoming cash outflows so you can plan payment runs in advance rather than reacting to due dates as they arrive.

Recent transactions

The recent transactions feed shows the last ten financial events across your account — invoices raised, payments received, expenses recorded, and payroll runs. Each entry links directly to the underlying record.

Cash flow forecast

On Summit and Enterprise plans, the dashboard includes a forward-looking cash flow chart showing your projected cash position for the next thirty, sixty, and ninety days — based on outstanding invoices, recurring expenses, and historical payment patterns. On Growth plan, a simplified cash position indicator is shown.