Start free
Free
₦0/month
Open a business account, pay your suppliers, and invoice customers.
Perfect for your first shop
1 user and 1 workgroup
Bulk payments
Invoicing
Monthly financial statement report
Email support
Regular bank charges + VAT apply
Pricing
Plans that scale with how your business runs.
Start free, get the business live, then add more structure, more finance control, and more intelligence as the team grows.
Free starts at ₦0/monthStarter begins at ₦10,000/monthGrowth is ₦25,000/month. Scale is ₦50,000/month.Regular bank charges + VAT apply to all plans.
Manage your branch
Starter
₦10,000/month
Everything in Free, plus staff requests, payroll, and budgets for your team.
Best for small teams
Everything in Free
3 users and 3 workgroups
Order management
Employee and payroll management
Payment requests and approval
Budgets
WhatsApp support
Stop the guesswork
Growth
₦25,000/month
Everything in Starter, plus automatic bookkeeping and deep financial insights.
Best for scaling businesses
Everything in Starter
7 users and unlimited workgroups
AI-powered accounting
AI bank statement reconciliations
Categorize based on your chart of accounts
Zairaa Intelligence
Proactive anomaly detection and resolution
Transaction-level drill-downs for P&L
Finance Agent: Chat with your AI CFO
Multiple branches & sites
Scale
₦50,000/month
Everything in Growth, plus cashflow planning and advanced checks for your projects.
Best for larger operations
Everything in Growth
15 users and unlimited workgroups
Cashflow planning
Priority support
Zairaa Intelligence Pro
Payment request anomaly detection
Budget anomaly detection
Compare plans
See what unlocks at each stage.
This comparison sticks to the real product surfaces Zairaa businesses actually use today.
| Feature | Free ₦0/month | Starter ₦10,000/month | Growth ₦25,000/month | Scale ₦50,000/month |
|---|---|---|---|---|
| Access and structure | ||||
Users | 1 | 3 | 7 | 15 |
Workgroups | 1 | 3 | Unlimited | Unlimited |
| Operating workflows | ||||
Bulk payments | Included | Included | Included | Included |
Invoicing | Included | Included | Included | Included |
Order management | — | Included | Included | Included |
Employee and payroll management | — | Included | Included | Included |
Payment requests and approval | — | Included | Included | Included |
Budgets | — | Included | Included | Included |
| Accounting and intelligence | ||||
Monthly financial statement reportA saved monthly pack for the core statements your team expects: income statement, balance sheet, and cash flow. | Included | Included | Included | Included |
AI-powered accounting | — | — | Included | Included |
AI bank statement reconciliations | — | — | Included | Included |
Categorize based on your chart of accounts | — | — | Included | Included |
Zairaa Intelligence | — | — | Included | Included |
Proactive anomaly detection and resolution | — | — | Included | Included |
Transaction-level drill-downs for P&L | — | — | Included | Included |
Finance Agent: Chat with your AI CFO | — | — | Included | Included |
| Advanced finance | ||||
Cashflow planning | — | — | — | Included |
Zairaa Intelligence Pro | — | — | — | Included |
Payment request anomaly detection | — | — | — | Included |
Budget anomaly detection | — | — | — | Included |
Support | Email + WhatsApp | Priority | Priority | |
Charges | Bank charges + VAT | Bank charges + VAT | Bank charges + VAT | Bank charges + VAT |
Enterprise
Need a rollout built around your structure?
For larger teams, deeper finance operations, or a more customized rollout, we can scope a plan around your exact setup.
Custom onboarding and migration support
Permissions and rollout setup for larger teams
Deeper accounting and finance implementation
Support aligned to your operating model
FAQ