Sell
Who Owes Me
Customers who bought on pay later. Reminders go out 8am to 8pm only, at most twice, and customers can reply STOP.
My Goods
We send you a message when any item is almost finished.
| Item | Left | Level | Status | Price | Money in goods | Profit |
|---|
Restock
Goods that are almost finished, grouped by supplier. Send in ShopBook, or on WhatsApp to suppliers not on ShopBook yet.
Orders sent
Waiting for goodsSuppliers
| Supplier | On ShopBook | You owe |
|---|
Online Shop
Sell on WhatsApp and Instagram from the goods list you already keep.
Your online shop
Orders
Online sales fee 2%What customers see
Customers can only order what you haveMy Report
Monday 2 November · goods not moving, and today's money.
Goods not moving this week
The partner or the brand pays for bonus pointsToday's money
Best sellers
Sold per dayLoan
Get money to buy more goods. You pay back a little from each digital sale.
Can I get a loan?
How it works
- Who lends
- A licensed lender. The payment rail only moves the money.
- Investors
- People can choose to invest through an SEC-registered platform. Money sitting in customers' wallets is never used.
- Paying back
- A little from each digital sale, with your OK.
- Cost
- The lender shows the full cost before you say yes.
- Your records
- Shared only if you tick the box. You can stop it any time.
Auto Helpers Preview
Helpers do routine jobs for your shop, inside the limits you set. You see everything they do.
Auto-Order
When goods are almost finished, Auto-Order sends your supplier a WhatsApp order. Above your weekly limit, it asks you first. It never pays anyone, never touches your money, and never takes a loan or buy now, pay later. Only you can, with your PIN.
What your helpers did
Newest firstDebt Reminder
It sends a polite WhatsApp message with a wallet payment link. It never threatens and never adds charges.
- Who
- Customers who have owed for 7 days or more
- How often
- At most 2 reminders each, a week apart
- Skip
- Anyone you mark "Don't remind" in Who Owes Me
Coming later: partner apps
Suppliers, lenders, insurers and customers' apps connect to your shop, under your rules- Send prices and say what they have
- Take your orders and payment, within your rules
- See your sales or loan records
- Pay your supplier directly for goods you order: buy now, pay later
- Send you loan offers, if you let them see a summary of your sales
- See every sale or your goods list
- Pay out before you say yes
- Order a customer's usual goods from you
- Earn points for the customer
- Spend more than the customer allows
- Withdraw cash or change a PIN
- Offer cover for your goods against fire and theft, priced from what your goods are worth
- Pay claims into your wallet or bank
- See your sales or your customers
- Charge you without your OK
Rules for every helper and partner app
- Your limits
- You set how much each one can spend, and when it must ask you.
- Its own login
- Each one uses its own login, never your PIN. Auto-Order can only send supplier orders. Debt Reminder can only send reminders.
- Full record
- You see everything it did and why. The launch partner sees the same.
- Safety checks
- Banned goods, spending limits, fraud checks, and an off switch you control.
- Who can join
- Only checked partners, by invitation during the pilot.
Partner Dashboard
Pilot view for the launch partner · illustrative pilot data
Pilot scorecard · week 8
Illustrative| # | Measure | Reading | Pass at | Status |
|---|---|---|---|---|
| H1a | Digital payments linked to a basket | 74% | ≥ 70% | Pass |
| H1b | Units recorded vs units off the shelf | 87% | ≥ 90% | Adjust |
| H2 | Book stock within 10% of blind counts | 3 of 4 | 3 of 4 counts | Pass |
| H3 | Minutes a day outside selling | 11 | < 15 | Pass |
| H6 | Out of stock at audit vs waitlist | 18% vs 26% | A quarter lower | Pass |
Points actions
Exceptions
Maker-checker record, all sides
Halites support staff have read-only access with a ticket, and never act on money or orders| Time | Side | What | Made by | Approved by | Status |
|---|
Helper activity across shops
Preview| Time | Shop | What the agent did | Rule |
|---|
Orders
Orders from shops on ShopBook. Confirm what you can supply and when.
Deliveries
Confirmed orders, grouped by area for today's run.
Money
What shops have paid you and what they still owe.
Shops that owe you
| Shop | Owes | Due |
|---|
Payments today
Price list
One price list for every shop that buys from you. Changes go to finance for approval and apply to new orders only. Confirmed orders keep their price.
| Item | Sold as | Price per pack ₦ | Each | Shops buying |
|---|
Sales
Packs sold this week by area
Shop names are never shownWhere it keeps running out
Days sold out, last 7Distributors
| Distributor | Areas | On time | Orders filled |
|---|
Promos
Pay for a discount or bonus points on your products in ShopBook shops.
Start a promo
Finance approves the budget, then shops in these areas see the offer. You pay only for packs sold under the promo.
Running promos
Team & approvals
Who can do what in your shop, and every approval on record.
Your team
Owner · everythingOwner
Sells, counts, records goods arrived, drafts ordersAssistant
Set up your goods and first count · access ends 9 NovemberOnboarding
Waiting for your OK
Changes waiting 24 hours
Limits, supplier numbers and other sensitive settings need your PIN and take effect after 24 hours.
Today's voids, discounts and pay later
Approval rules
- Orders Chidi drafts wait for your OK.
- Orders not approved within 24 hours expire, and whoever drafted them is told.
- If a supplier changes your order, you must accept the change.
- A delivery is final only after you check and save the goods.
- Your wallet PIN is checked by your wallet provider. ShopBook never sees it.
What each role can do
| Can… | Owner | Assistant | Field agent |
|---|---|---|---|
| Sell, airtime and bills, close the day | Yes | Yes | No |
| Count goods | Yes | Yes | Yes |
| Record goods arrived | Yes | Yes, without prices | No |
| Add new items | Yes | No | Yes, during setup |
| Draft restock orders | Yes | Yes | No |
| Send restock orders | Yes | No, needs your OK | No |
| See cost and profit, change prices | Yes | No | No |
| Pay later, loans, online shop, team | Yes | No | No |
Approval record
Who made it and who approved it| Time | What | Made by | Approved by | Status |
|---|
Approvals
Credit terms and price changes wait here for a second person.
Approval record
Who made it and who approved it| Time | What | Made by | Approved by | Status |
|---|
Mama Ngozi Provisions
Order from the shop’s own link, pay with any wallet the shop takes, earn points
My orders
Orders you sent to Mama Ngozi Provisions.
Points and what I owe
Your points at this shop, anything you bought on pay later, and messages from the shop.
Messages from Mama Ngozi
Also sent on WhatsAppApplications
Shops that asked for stock credit. You see a shop’s records only with the owner’s consent.
Lending policy (sample)
- Who can apply
- Shops using ShopBook for 6 months or more
- Records
- Counts match the books in 3 of the last 4 checks; 40% or more of sales paid by phone
- Limit
- Up to about two weeks of the shop’s average sales
- Decision
- A credit officer recommends; a second person approves. No one approves their own work.
- Paying out
- Never automatic. The shop must say yes with its PIN. Buy now, pay later is paid straight to the supplier’s verified wallet.
- Paying back
- A share of each digital sale. Cash sales are never touched.
- Reminders
- Polite, 8am to 8pm only, no threats and no contacting the shop’s customers.
Approval record
Who recommended and who approved| Time | What | Made by | Approved by | Status |
|---|
Loan book
Every loan and buy now, pay later amount, repaid from a share of each shop’s digital sales.
| Shop | Type | Amount | Repaid | Status |
|---|
Paid straight to suppliers
Buy now, pay later never passes through the shop or HalitesPayment rails
The ways to pay that are switched on for shops in this pilot. Adding one is configuration, not a rebuild.
How a payment is routed
- The customer picks the wallet they use; ShopBook sends the request to that rail.
- Money goes straight into the shop’s own account on that rail. Halites never holds it.
- A sale completes only when that rail confirms it. A screenshot or SMS never counts.
- If a rail goes quiet, the sale waits as unknown, so no one pays twice.
Adding a new rail
- Halites builds the adapter and tests it in the rail’s sandbox.
- Security and reconciliation checks pass on test payments.
- One ops person asks to switch it on; a second approves.
- It shows in every pilot shop’s wallet picker straight away.
Routes & collections
Today’s van run to the shops you supply: load the van, deliver, collect, and hand in the cash.
Shop accounts
Credit limits per shop| Shop | Owes | Limit | Room left |
|---|
Site deliveries
Big orders delivered by truck. Stock leaves when the truck is loaded; the job is done only when the site gives the driver its handover code.
Contractor accounts
Over the limit needs the owner’s PIN| Contractor | Owes | Limit |
|---|
Expiry & batches
Every batch with its expiry date. Sales take the batch that expires first, and expired stock can’t be sold.
| Medicine | Batch | Expires | Qty | Status |
|---|
Prescription log
Who confirmed each prescription medicineReturns to supplier
Gas tank & safety
The bulk tank, deliveries from the plant, the daily check that the gas sold matches the tank, cylinder deposits and the opening safety check.