Sell from one counter. Settle every vendor automatically.
Sell products from many vendors at a single counter or online. Push the bill to your card terminal with one tap and let MoniYes pay each vendor their cost while your markup lands in your account — no manual calculation and transfer.
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Jollof rice & chicken Mama Nkechi's Kitchen₦4,500
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Chapman (large) Fresh Sips Bar₦2,000
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Puff-puff (6 pcs) Bros Pastries₦1,500
Up and running in four steps
From sign-up to your first automated vendor settlement.
Register your business
Sign up, set up your business profile and request smart POS terminals for your counters.
Get StartedAdd vendors & product prices
Set up each vendor with their products, cost price and your markup, and record the stock you receive from them.
Make sales
Sell with the smart POS terminal, the web portal or your online storefront for quick checkout.
Automated settlements
Vendors get paid their cost automatically. Your business receives its markup automatically.
Built for the way Nigerian businesses really sell
If other people's products pass through your counter, MoniYes settles them for you. Green is what the vendor receives, gold is what your store keeps.
Food court with many kitchens
One cashier, five kitchens. Every plate sold is settled to the right kitchen while the food court keeps its cut.
- Vendor ₦9,600 (80%)
- Store ₦2,400 (20%)
Supermarket with consignment suppliers
Bread, drinks and provisions from dozens of suppliers on your shelves. Each supplier is paid as their items sell.
- Vendor ₦41,225 (85%)
- Store ₦7,275 (15%)
Pharmacy stocking from distributors
Distributors drop stock, you dispense. MoniYes pays each distributor their base price and keeps your margin clean.
- Vendor ₦5,850 (75%)
- Store ₦1,950 (25%)
Fashion boutique selling multiple designers
Showcase pieces from different designers in one store. Every outfit sold pays its designer automatically.
- Vendor ₦39,000 (60%)
- Store ₦26,000 (40%)
Gym or hotel with in-house vendors
Spa, kiosk and restaurant partners inside your facility all bill from your front desk, and each is settled separately.
- Vendor ₦17,500 (70%)
- Store ₦7,500 (30%)
Electronics plaza shop with partner stock
Sell phones and accessories supplied by partner importers. Partners get their cost, you keep the markup, no arguments.
- Vendor ₦288,000 (90%)
- Store ₦32,000 (10%)
Everything your counter needs, nothing to reconcile
Built to remove operational friction for store owners, cashiers and vendors alike.
Vendor cost, your markup and the customer price are always in sync.
Set the vendor base price and your markup once. Every sale separates the two automatically and settles each side to its own bank account.
1-tap terminal push
Push the exact bill to your in-store card terminal with one tap. No re-typing amounts, no entry errors.
Pay Later customer tabs
Run tabs for trusted customers and clear several open orders in a single payment later.
Branded online storefront
Every business gets a storefront with live stock indicators for 24/7 web sales.
Multi-branch & counters
Run many branches and cash desks under one business account with branch-level reports.
Cashier roles & permissions
Cashiers check out fast but never see profit totals, bank balances or payout settings.
Bank-grade security
End-to-end encryption and secure direct-to-bank payout integrations on every transaction.
No more checkout confusion or end-of-day math nightmares
Running a business in Nigeria comes with headaches. MoniYes removes the ones at your counter.
The end-of-day headache
- Cashiers juggle multiple POS terminals
- Long queues build up at the counter
- Customer bank transfer delays create friction
- Managers and accountants spend hours manually calculating vendor payouts and commission splits
With MoniYes
- Instant POS-to-terminal syncPush the bill to your card terminal with a single tap. No manual re-typing.
- Automated multi-vendor splitsEvery sale calculates vendor cost and your markup in real time.
- Transparent ledgerSee exactly what each vendor earned and what your store kept, per sale.
- T+1 payouts to every bankVendors and your business are settled directly to their bank accounts.
See a sale split itself, zero manual math
Type any sale amount and drag the vendor cost share. MoniYes works out what the vendor is owed and what your store keeps, on every sale, automatically.
Register Your BusinessIllustration only. Actual vendor cost and markup come from the prices you set per product; fees are shown in-app.
For owners, cashiers and vendors
For business owners
Complete control over fee structures, transparent settlement ledgers, live branch analytics, and total elimination of reconciliation headaches.
For cashiers & staff
Lightning-fast search, 1-click POS terminal amount push, and instant payment verification.
For vendor partners
Real-time visibility into sales performance, automated direct-to-bank settlements, and bulk inventory management tools.
Register your business today and settle every vendor automatically.
How do I register and set up my business on MoniYes?
Getting started is simple. Register your business profile, enter your administrator details, and link your business bank account for payouts. After verifying your email with a one-time pin, you can set up store locations, invite staff, and request smart POS terminals.
How do vendor onboarding and vendor bank accounts work?
You can add multiple third-party vendors and suppliers by entering their profile and verified bank details. MoniYes automatically configures secure payout subaccounts so supplier funds are routed directly to them. Vendors can also have dedicated access to track their products and sales.
How do product pricing, markup, and cost calculations work?
For each product, you define the vendor base price (cost) and your business markup (store profit). The customer sees and pays the total sales price. When a sale happens, MoniYes automatically separates the vendor's cost from your store's profit margin with zero manual math.
What payment options are supported at checkout?
MoniYes supports 1-tap direct push to in-store POS card terminals, direct bank transfer via dynamic virtual accounts, online storefront card checkout, and customer credit ("Pay Later") tabs.
What is a Cashier user and what permissions do they have?
Cashier accounts are tailored staff logins designed for fast front-desk checkouts. Cashiers can process sales, push bills to POS terminals, and issue receipts, but cannot view sensitive business profit totals, net bank balances, or modify payout settings.
What payout types are available, and when are vendors settled after payment?
Digital and card payments trigger automated split settlements routed directly to vendor and business bank accounts following standard banking cycles (typically T+1 business day). For cash sales, store owners can execute one-click batch payouts. Vendors receive automatic email notifications for every successful payout.
Can we manage customer tabs and credit orders?
Yes. MoniYes includes a complete "Pay Later" and Customer Tab management system. Cashiers can place orders on account and later select multiple open orders to clear the consolidated balance in a single transaction via card terminal, online payment, or cash.
Does each business get a public online storefront and multi-branch support?
Yes! Every registered business receives a branded digital storefront with real-time stock indicators for 24/7 web sales. You can also manage multiple branches and counters seamlessly under a single business account.
Get in Touch
Have questions about setting up your multi-vendor store or connecting your payment terminals? We're here to help.
Transform Your Retail Operations
Join modern retail hubs, supermarkets, and food courts that have automated checkout and settlements with MoniYes.
Headquarters
Abuja, Nigeria
Email Support
hello@moniyes.com