Pricing & Billing
What does the ₦10,000/month plan include?
The ₦10,000/month plan includes full access to every module: Accounting & Finance, CRM & Sales, Commerce & Orders, Operations & Workflow, and Analytics & Reporting. It also includes PawaBanc banking integration, team access with role-based permissions, and priority support. There are no feature tiers, no per-user fees, and no hidden costs. Everything is included in one flat monthly price.
Is the pricing monthly or a one-time payment?
Credora is a monthly subscription. You're billed once per month for continued access to the platform. There are no long-term contracts or lock-in periods. You can cancel anytime, and your access continues until the end of your current billing period.
Are there any hidden fees or extra charges?
No. Credora has a transparent, flat-rate pricing model. There are no hidden fees, no per-user charges, no transaction fees, and no additional costs for accessing any feature or module. What you see—₦10,000/month—is what you pay.
Can I cancel my subscription at any time?
Yes, absolutely. You can cancel your subscription at any time through your account settings or by contacting our support team. There are no cancellation fees or penalties. Your access continues until the end of your paid billing period, and you won't be charged again after cancellation.
Will the price change in the future?
We're committed to providing accessible, transparent pricing. If we ever need to adjust our pricing, we'll communicate any changes well in advance. Existing subscribers would be notified and given ample notice before any price change takes effect.
Product & Features
What is Credora Business OS?
Credora Business OS is an all-in-one business management platform that unifies accounting, CRM, operations, commerce, and analytics into a single structured system. It's designed to replace the fragmented stack of disconnected tools most businesses use—giving you one place to run, track, and scale your entire company with clarity and control.
How is Credora different from other business tools?
Most tools solve one problem—accounting, or CRM, or project management. Credora connects all these functions into one unified system where data flows automatically between modules. A sale in CRM creates an invoice in accounting. A payment in your bank syncs and reconciles automatically. Your entire business operates as one connected system, not a collection of isolated apps.
What modules are included in Credora?
Credora includes five core modules: Accounting & Finance (invoicing, expenses, P&L, reconciliation), CRM & Sales (pipeline, contacts, deal tracking), Commerce & Orders (products, orders, payments, storefront), Operations & Workflow (projects, tasks, workflows, inventory), and Analytics & Reporting (dashboards, KPI tracking, financial reports). PawaBanc banking integration is also included, connecting your business bank account directly to the platform.
Can Credora replace my current accounting and CRM tools?
Yes. Credora is built specifically to replace the patchwork of separate tools—accounting software, CRM, project management apps, analytics dashboards, and payment systems—with one unified platform. Instead of paying for 5-8 separate subscriptions that don't talk to each other, you get everything connected in one system at one flat price.
Is Credora suitable for my type of business?
Credora is built for startups, SMEs, growing teams, and established businesses in Nigeria that want to operate with clarity and structure. If you're currently using 3 or more separate tools to manage your business—or if you're still relying heavily on spreadsheets and manual processes—Credora was built for you. It's designed to scale from small teams to growing organizations.
Finance & Integration
Do I need PawaBanc to use Credora?
No, PawaBanc is not required to use Credora. You can use all the core modules—accounting, CRM, operations, commerce, and analytics—without connecting a PawaBanc account. However, connecting PawaBanc unlocks powerful automation: real-time transaction syncing, automated reconciliation, and live cash flow visibility. It's the recommended setup for businesses that want full financial integration.
How does financial data sync work with PawaBanc?
When you connect your PawaBanc business account to Credora, transactions flow into the platform in real time. Incoming payments are automatically matched to invoices and marked as paid. Outgoing payments are matched to expenses. Reconciliation happens continuously—not at month-end. Your accounting records, cash flow, and financial reports are always up to date without manual data entry.
Is my financial data secure?
Absolutely. Credora uses bank-grade encryption for all data—both at rest and in transit. We employ secure access controls, role-based permissions, and full audit logging. Your banking credentials are never stored on our servers. The PawaBanc integration uses secure, token-based authentication. Your financial data is protected at every layer.
Team & Usage
Can my entire team use Credora?
Yes. Credora supports multi-user access at no extra cost. There are no per-user fees. You can invite your entire team—finance, sales, operations, leadership—and everyone gets access to the modules and information relevant to their role.
Can I assign roles and permissions to team members?
Yes. Credora includes granular role-based permissions. You can define exactly what each team member can view and do—across every module. For example, your sales team can access CRM but not financial reports. Your accountant can access finance but not project management. You're in full control of who sees what.
How many users can I add to my Credora account?
There is no limit on the number of users you can add to your Credora account. The flat ₦10,000/month pricing covers your entire team—whether you have 2 people or 50. We don't charge per user. We believe your team should have full access without per-seat costs becoming a barrier.
Getting Started
How long does it take to get set up?
Most businesses are fully operational on Credora within one business day. The setup wizard guides you through configuring your chart of accounts, importing existing data, setting up your product catalog, and inviting your team members—all in a structured, step-by-step process. No technical expertise required.
Is there a learning curve for Credora?
Credora is designed to be intuitive, especially if you've used business software before. The interface is clean and structured, with guided workflows that walk you through common tasks. Most users feel comfortable within the first few days. We've prioritized simplicity—you don't need to be a finance expert or tech specialist to run your business on Credora.
Do you offer onboarding or setup support?
Yes. All Credora subscribers have access to priority support. Our team can assist with setup questions, data import guidance, and best practices for configuring the platform to match your business structure. We're committed to helping you get up and running quickly and smoothly.
Security & Trust
Is my business data secure on Credora?
Yes. Security is a foundational priority for Credora. We use bank-grade encryption for all data at rest and in transit. Our platform employs secure authentication, role-based access controls, and comprehensive audit logging. Automated backups ensure your data is always protected and recoverable.
How is my data stored and backed up?
Your data is stored on secure, enterprise-grade cloud infrastructure with automatic backup and disaster recovery procedures. Backups are performed regularly to ensure data integrity and availability. Your business information stays protected and accessible 24/7.
Does Credora comply with relevant data protection standards?
Credora is built with security and privacy best practices as core design principles. We implement industry-standard security measures including encryption, access controls, audit logging, and secure authentication. Our platform is designed to support compliance with applicable data protection requirements. For detailed information, please review our Privacy Policy and Security documentation.
Common Questions & Concerns
What if Credora doesn't fit my workflow?
Credora is designed to be flexible and adaptable to different business types. Our team can help you configure the platform to match your workflow. And since there are no long-term contracts, you can cancel anytime if you decide it's not the right fit. We're confident that once you experience running your business as one connected system, you won't want to go back to disconnected tools.
Is Credora too complex for a small business?
Not at all. Credora is specifically designed for small and medium-sized businesses that want to move beyond spreadsheets and disconnected tools. The interface is clean and intuitive. You can start with the modules you need most and expand as your business grows. It's structured enough to give you control, but simple enough that you don't need a dedicated IT team to use it.
Why should I switch from my current accounting and CRM tools?
The biggest reason is that disconnected tools create more work, not less. When your accounting doesn't talk to your CRM, you're manually transferring data, reconciling across systems, and never quite sure if the numbers are right. Credora replaces that patchwork with one connected system. Your sales flow into invoices. Your payments sync automatically. Your reports are always current. You save time, reduce errors, and gain clarity—all for less than the cost of most individual tools.