KudiFlowKudiFlow AI
Built for Ghanaian Traders & SMEs

Run your business with MoMo, AI & USSD.

Accept mobile money collections, record sales via natural text, pay suppliers, and manage debts. Accessible via offline USSD menu *919*4016# and a beautiful web app.

KudiFlow AI

Online

Hi! I'm KudiFlow AI. I record your sales, expenses, debts, stock, and more. Try typing a sale below!
10:28 AM
Sold 3 bags of rice for 450 cedis to Nana Kwame
10:28 AM
Transaction Confirmed
Intent

SALE

Total

GHS 450.00

Product

Rice

Qty

3 bags

Customer

Nana Kwame

10:28 AM
Type your sale here...

Features built for traders

Simple features to manage cash ledger, accept pay links, scan QR, pay suppliers, and analyze finance.

AI Sales Recording

Record sales in plain Twi or English. Just speak or type "Sold 3 bags of rice for 450 cedis" and our AI parses and logs the sale instantly.

Mobile Money Collections

Generate Moolre payment links or GhQR codes. Accept MTN MoMo, Telecel Cash, AirtelTigo Cash, and cards directly into your balance.

Supplier Payouts

Pay suppliers and workers directly from your KudiFlow balance using Moolre Disbursements. No need to cash out first.

Offline USSD (*919*4016#)

No internet? No problem. Access your sales ledger, check profit, and pay suppliers offline. Auto-syncs when you go online.

Customer Debt Ledger

Track what customers owe you on credit. Send automated SMS reminders with payment links in one click and mark debts as settled.

AI Business Consultant

Unlock weekly charts, top products breakdown, and expense distribution reports. Get real-time advisory recommendations.

How KudiFlow works

Ledger recording, collections and insight analysis are simplified in three steps.

01

Register in 1 Minute

Verify your phone number with a secure SMS OTP and enter your business name.

02

Record with AI or USSD

Type your sales like a WhatsApp message, or use our offline USSD menu.

03

Grow with Insights

Accept mobile money payments instantly and receive AI analysis on profit and expenses.

Works on Any Basic Phone — No Internet Needed

Using KudiFlow via USSD

Dial *919*4016# on any phone to record sales, pay suppliers, and check your balance — even when there is no internet.

Record a Sale via USSD

No internet required

1
Dial*919*4016#

on any phone

2
Select1 → Record Sale

from the main menu

3
EnterProduct name

e.g. Rice, Cooking Oil

4
EnterAmount in GHS

e.g. 150

5
EnterQuantity

e.g. 3 (default is 1)

6
Done!SMS confirmation sent

Sale logged in your ledger

Pay a Supplier via USSD

Direct MoMo payout — no cash needed

1
Dial*919*4016#

on any phone

2
Select3 → Pay Supplier

from the main menu

3
EnterSupplier name

e.g. Kwame Distributors

4
EnterSupplier phone

e.g. 0241234567

5
SelectMoMo network

1. MTN 2. Telecel 3. AirtelTigo

6
EnterPayout amount (GHS)

Supplier receives SMS receipt

Full USSD Menu — dial *919*4016#

1Record Sale
2Daily Profit
3Pay Supplier
4Customer Debts
5Wallet Balance
6Send Money
Simple, Transparent Pricing

Pick a plan that fits your business

Start free. Upgrade when your business grows. No hidden fees — Moolre transaction fees apply only when you collect or send payments.

Free

For solo traders & market vendors getting started.

GHS 0 / month
  • AI Sales Recording (text & voice)
  • Offline USSD *919*4016#
  • Customer Debt Ledger
  • Daily Profit Summary
  • Basic Dashboard & Charts
  • SMS OTP Login
  • Up to 100 transactions/month
  • MoMo Payment Links & QR Codes
  • Supplier Payouts
  • AI Business Consultant
Most Popular

Growth

For growing shops collecting MoMo & paying suppliers.

GHS 29 / month
  • Everything in Free
  • MoMo Payment Links & QR Codes
  • Supplier Payouts via MoMo
  • SMS Debt Reminders to customers
  • AI Business Consultant & Reports
  • Unlimited transactions
  • Revenue & Expense breakdown charts
  • Moolre fee: ~1.5% per collection

Business

For multi-staff shops & SMEs needing full control.

GHS 79 / month
  • Everything in Growth
  • Business Capital Tracking
  • Inventory & Stock Purchases
  • Send Money (worker wages via MoMo)
  • Advanced AI weekly & monthly reports
  • Priority WhatsApp support
  • Moolre fee: ~1% per collection
  • Full Notification & SMS audit log

All plans include a 14-day free trial on paid features. No credit card required.

Trusted by local merchants

“We use KudiFlow to track our service invoices and customer payments. The AI recording makes logging service sales so easy!”

WN
Willian Nii NetteWillsther Proffessional Service

“KudiFlow USSD *919*4016# is a life-saver when internet is bad at our electronics shop. I pay my delivery riders directly via supplier payouts.”

EB
Enoch BoatengQE Electronics

“The AI sales recording is incredibly accurate. I just type 'sold 3 crates of eggs for GHS 240' and everything is logged. Our wholesale merchandise bookkeeping has never been this clean.”

DK
Daniel KorantengPrestidge Merchandise

Frequently Asked Questions

Ready to take control of your sales?

Join other shopkeepers, retail traders, and service providers in Ghana using KudiFlow to automate profit ledgers.