Pricing

Simple, transparent
pricing for every stage.

Every paid plan starts with a free 14-day Business trial — just a ₦100 card verification. Upgrade only when you're ready.

Starter

₦6,600/month

or ₦5,280/mo billed annually

Get Started
3 Staff Members
Basic Finance Tracking
POS Terminal (1 cashier)
Inventory Tracking (12 items)
Clock In/Out & Leave Requests
Basic Payroll
Client Records (up to 10)
Task Management
Argus AI (1 call/month)
Announcements

Business

₦19,500/month

or ₦15,600/mo billed annually

Start 14-Day Free Trial
Finance & Invoicing
HR & Staff Management
Payroll Processing
Inventory Tracking
Attendance & Scheduling
POS Terminal (4 cashiers)
Behavioral Records (Basic)
Argus AI (20 calls/month)
Clock In/Out & Leave Requests
Most Popular

Growth

₦41,700/month

or ₦33,360/mo billed annually

Start 14-Day Free Trial
Everything in Business
Anomaly Detection
Advanced Reporting
Full MID Scoring
Direct Bank Transfer Payroll
Argus AI (60 calls/month)

Enterprise

₦83,000/month

or ₦66,400/mo billed annually

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Everything in Growth
Client Recurring Billing
Full Data Export & Audit Logs
API Access (Read-Only)
Argus AI (200 calls/month)

Bespoke

Custom
Get in Touch
Unlimited Staff & Branches
Unlimited Inventory & AI Calls
Full API Access & Webhooks
Direct Bank Transfer Payroll
Client Recurring Billing
Full Data Export & Audit Logs
Dedicated Account Manager
Custom Add-ons & Priority SLA

FAQ

Common questions

Yes — every new account gets a 14-day trial with full Business plan access, activated with a ₦100 card verification.

Absolutely. Upgrade or downgrade any time from your Billing page. Changes take effect immediately.

Your data is always preserved. You'll simply lose access to features above your plan tier until you upgrade again.

Annual plans are billed once per year and come with a discount compared to monthly billing. The discount percentage is shown on the toggle.

We accept card payments, bank transfers, and USSD via Flutterwave. All payments are processed securely.

Bespoke is a fully custom-built version of Moatwave tailored to your exact business needs — including white-labeling, custom modules, and a dedicated implementation team.

No. Business, Growth, and Enterprise plans have no setup fee. Bespoke plans may include an implementation fee depending on scope.

Yes — reach out to hello@moatwave.com with your details and we'll discuss what we can do.

Still have questions?

Talk to us — we'll help you find the right plan for your business.

Talk to the team hello@moatwave.com