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Clink
Financial tracking • Debt recovery • React architecture
Clink keeps your numbers honest and your follow-ups clear. It gives you a living record of who owes what, when it was agreed, and how balances are being recovered — without messy notebooks or forgotten promises. Issue receipts in seconds, track every cedi, and let Clink handle the reminders while you focus on customers.
Built for the informal market
Clink is designed for real market life — noisy stalls, low signal, and busy merchants who don't have time to chase debt. Handshake deals become digital records: one receipt, one link, one payment. Your notebook becomes a living ledger you can search, trust, and grow with.
- Issue clean, tax‑aware receipts in seconds.
- Track every sale, credit, and repayment.
- See what is owed, by who, and since when.
- Reminders go out automatically; you keep relationships warm.
- Works with basic phones on the customer side — no app required.
- Simple flows that fit how Ghanaian merchants already sell.
What Clink handles for you
Works with zero signal: Clink generates secure, signed QR codes locally on your device. Issue receipts in the deepest market basements — we sync to the cloud and send links when you're back online.
2026 tax‑ready: We handle the new VAT Act (Act 1151) math so you don't have to. Informal mode gives small traders clean receipts (0% VAT); VAT mode breaks out NHIL, GETFund, VAT — ready for your GRA returns.
Clink Credit Passport: Every on‑time repayment grows your customer's Trust Score. Their phone number becomes a financial asset, helping you decide who gets credit and how much.
Automated reminders: Gentle nudge before due date, clear action on the day, firm notice when overdue. You stay on good terms; we keep recovery on track.
Built for Takoradi merchants
Provisions, electronics, fabrics, hardware — if you sell on credit in Takoradi, Clink is built for you. It also fits freelancers, artisans, and service providers who invoice later but still want a clear record and on‑time payments.
- Retailers: Track small, everyday credits and get paid on time.
- Wholesalers: Use Trust Scores to decide who gets bigger lines.
- Freelancers & service providers: Turn verbal agreements into simple digital receipts your clients can pay from.
- Market traders: Works with zero signal; signed QR codes generated on your device.
- MoMo users: Money goes straight from their wallet to yours. Clink doesn't hold funds.
How it works
- Generate: Add the sale in Clink. We generate a signed QR locally on your device. The receipt is the contract; when you're back online, we sync and send the link.
- Deliver: Share the link by SMS or WhatsApp, or show a QR. Your customer doesn't need a smartphone app — just a phone with a browser.
- Pay: They tap the link and pay with MoMo. You get the money immediately; the ledger and Trust Score update in the background.
Pricing snapshot
- Free forever.
- 50 receipts per month.
- Standard SMS reminders.
- Unlimited receipts & Trust Score lookups.
- WhatsApp + voice nudges.
- Or 1% per recovery, capped at GHS 50.
- Bulk issue and advanced controls.
- Trust Score API access.
- Custom legal notices and workflows.
Need a one‑off push? Use a Power Day pass (GHS 2) for a day of unlimited receipts during clearance sales — no monthly commitment.
Trust & safety
Clink is a ledger, not a bank. Money moves straight from their MoMo wallet to yours — we never hold funds. We focus on the record: who owes what, what was agreed, and what has been paid.
We track reputation by phone number, not private MoMo data. Your customers own their Trust Score; you use it to see risk before you lend, not to replace your own wisdom.