Frequently Asked Questions

Click 'Create account' on the SmartCunga home page. Enter your business name, type and currency, then your name, email, phone and password. Your account is ready in under a minute and you start on a free plan.

No. SmartCunga works on any device with a browser - a smartphone, tablet or computer. You can record sales and check your stock right from your phone while serving customers.

Not at all. SmartCunga handles the bookkeeping for you as you record sales, purchases and expenses. Reports like profit, cash flow and tax summaries are generated automatically.

Go to Sales → New Sale. Select the customer (or record a walk-in sale), add the products with quantities, then choose the payment method - Cash, Mobile Money, Bank or Credit. A numbered receipt is generated automatically.

When you record a sale, choose 'Mobile Money' and enter the customer's phone number. SmartCunga sends a payment request to their phone through MTN MoMo. Once the customer approves it, the sale is marked paid and the money is collected into your till.

Yes. Select 'Credit' as the payment method on a sale and the amount becomes part of that customer's balance. When the customer pays later, record the debt payment and the balance updates automatically.

Cash, Mobile Money, Bank and Credit. For every payment you can see the method clearly in your reports, so you always know how your customers are paying.

A fee applies only to sales collected through SmartCunga's MTN integration - when a customer pays a payment request SmartCunga sent to their phone through MTN MoMo. That is the money MTN charges SmartCunga for processing the collection, and it is passed on to you.

No MTN fee applies. When you record a manually settled payment against a customer's credit (or a sale where the money was not collected through the SmartCunga MTN request), no fee is charged, because no MTN collection fee was incurred.

SmartCunga uses a small percentage rate (configurable, around 2.36%) applied to the month's mobile money collections. Fees accumulate monthly and are added to your next subscription renewal invoice, so there are no per-transaction deductions from your money.

Inside your business, open the subscription or mobile money page to see this month's collections, the fee for them and any fee amount pending for your next renewal.

Stock is deducted automatically for every sale. If you return or adjust stock, you record it and the levels update to match reality.

Set a reorder level on each product. When stock falls to or below that level, SmartCunga flags it and notifies you, so you can restock before you run out.

Yes. Add suppliers under Suppliers, record purchases and the amounts paid, and keep track of what the business still owes to each supplier.

SmartCunga generates receipts in the official RRA format with your TIN, VAT breakdown and tax details. EBM (Electronic Billing Machine) integration is supported - connect your registered EBM device in settings.

Yes. Beyond receipts, SmartCunga helps you track tax entries and obligations, and generates the income and expense summaries that make filing straightforward.

Yes. Under Settings → Data Management you can export your sales, products, customers, purchases and other business data as Excel or PDF files at any time.

Yes - SmartCunga has a free plan with core features. Paid plans (Starter, Medium, Pro) unlock more products and users plus advanced features such as the AI assistant and business intelligence insights.

Go to Subscription in the sidebar, choose your plan and billing period, and pay with Mobile Money. With your method, the plan is activated once payment is confirmed.

Yes. The owner can invite team members - Managers, Cashiers and others - under Team settings. Each person signs in with their own account and sees only what their role permits.

Yes. Data is encrypted in transit over HTTPS and protected at rest. Business data is isolated per account, accessed only by your team with their own logins, and covered by regular backups.

Use 'Forgot your password?' on the login page. We send a secure reset link to your email so you can set a new password.

Only the users you invite to your business. SmartCunga staff cannot view your business data without an explicit reason and your authorization, in line with our privacy policy.