Yes! You can upgrade or downgrade your plan at any time from Settings → Billing. Upgrades take effect immediately. Downgrades are scheduled for your next renewal date to avoid service interruption.
You'll receive an in-app notification when approaching or reaching a limit. Your existing data is always safe — we never automatically delete records. You simply won't be able to add new items until you upgrade or the next billing cycle begins.
No credit card is required for the Starter plan. Simply create your account and you're ready to go. You only need a payment method when you decide to upgrade to Growth or Business.
All paid plans are billed annually. Payments are processed securely via Paystack in Nigerian Naira (NGN). International users can view reference prices in their currency, but final charges are in NGN. Bank transfer is also accepted with manual proof upload.
Yes. The Growth and Business plans include a 7-day money-back guarantee from your first payment date. If you're not satisfied for any reason, contact us within 7 days and we'll issue a full refund.
Absolutely. A payment receipt is automatically emailed to your registered address after every successful transaction. You can also download billing history from Settings → Billing at any time.
📄 Invoices & Documents
Kredo supports Invoices, Receipts, Credit Notes, Proforma Invoices (Estimates), Purchase Orders, and Delivery Notes. All documents are generated as professional branded PDFs.
Yes. You can upload your business logo, set brand colours, and customise your invoice template from Business Settings. Removing the Kredo watermark is available on the Business plan.
Yes! Kredo generates a PDF and shares it directly via WhatsApp with your customer. This feature is available on Growth and Business plans.
Each invoice includes a secure Customer Portal link. Your customer clicks it, views the invoice, and pays via card or bank transfer (powered by Paystack). Payments are tracked and reconciled automatically.
Yes. Every document on the Business plan includes a unique QR code. Customers can scan the code to verify the document is genuine, protecting against invoice fraud.
📦 Inventory & Products
Yes. Every time you sell a product via a receipt or invoice, Kredo automatically deducts the quantity from your stock. You'll receive low-stock alerts when items fall below your set threshold.
Yes, on Growth and Business plans. You can record suppliers, raise Purchase Orders, and track deliveries. Received stock automatically updates your inventory levels.
The Blind Count feature lets you conduct a physical stocktake without showing expected quantities to your team. Staff enter actual counts and Kredo highlights discrepancies, helping detect shrinkage or errors.
Yes. The Business plan supports product variants (e.g. size, colour). Each variant maintains its own stock count and pricing, with full visibility in your catalogue.
👥 Staff & Branches
Yes. The Growth plan supports up to 5 staff members with role-based access. The Business plan allows unlimited staff. Each member gets their own login with assignable permissions (cashier, manager, accountant, etc.).
Absolutely. From the Growth plan onwards, you can set up multiple branches or locations. Each branch has its own inventory, staff, and sales data, while you retain a consolidated owner dashboard.
Kredo uses role-based access control (RBAC). You assign each staff member a role that controls which modules and actions they can access. Permissions can be further customised per individual.
Yes. On Growth and Business plans, every critical action (sales, deletions, edits, logins) is recorded in an Audit Log. You can filter logs by staff member, date, or action type.
🔐 Security & Data
Yes. Every business account is fully isolated (multi-tenant architecture). Data is encrypted in transit using TLS/HTTPS. Sessions expire automatically after 30 minutes of inactivity. We never share or sell your data.
Yes. You can export customers, products, invoices, and financial data as CSV or PDF at any time from Account Settings. Your data belongs to you — always.
Your account reverts to the free Starter plan. All your data is preserved and accessible within Starter limits. We do not delete data on cancellation. You may formally request deletion by contacting support.
We follow NDPR (Nigeria Data Protection Regulation) guidelines and general GDPR best practices. Our full privacy policy is at trykredo.com/pages/privacy.
⚙️ Account & General
Create a free account at trykredo.com/users/register — no credit card needed. You'll be guided through setting up your business profile, adding your first product, and creating your first invoice in under 5 minutes.
Yes! Kredo is a fully responsive Progressive Web App (PWA). Use it in any browser on mobile or desktop, or install it as an app on Android or iOS for an app-like experience without going through an app store.
All users access our Help Center and support tickets. Growth plan users get priority responses. Business plan users get onboarding assistance and dedicated WhatsApp account support.
Yes. API access and Webhooks are available on the Business plan, letting you connect Kredo with your e-commerce store, existing tools, or custom systems. View the API docs at trykredo.com/pages/developer.