Standard business
A connected workspace for customers, sales, payments, expenses, and operations.
Best for
Growing service businesses, agencies, distributors, and multi-team operations.
Explore this workspaceZivo business solutions
One connected platform for sales, money, people and operations.
Choose the workflow your business needs now, then add connected modules as you grow. Zivo keeps the customer, payment, expense, staff and operational record together instead of scattering them across phones and spreadsheets.
Choose your business type
Start with the Zivo workspace that fits your business.
Lending
A focused workspace for borrower communication, customer records, and collections follow-up.
Best for
Lenders and finance teams that need a controlled customer workflow.
Explore this workspaceRetail / POS
Point-of-sale selling, stock, sales orders, payments, and fulfilment.
Best for
Retail shops, distributors, agrovets, pharmacies, and hardware stores.
Explore this workspaceDigital downloads
A catalogue and sales workflow for downloadable digital products.
Best for
Creators, publishers, training businesses, and digital-product sellers.
Explore this workspaceZChat — WhatsApp inbox only
A focused shared inbox for customer conversations and team follow-up.
Best for
Sales and support teams that want WhatsApp collaboration first.
Explore this workspaceRevenue and customer operations
Sell, collect, and deliver without losing the customer story.
Collections and M-Pesa payments
Quotes, invoices, payment links and STK prompts, receipts, statements, reminders, collections follow-up and reconciliation.
Best for
Schools, agencies, service firms, wholesalers and subscription businesses.
WhatsApp sales desk
A shared inbox with ownership, conversation history, saved replies, attachments, scheduled messages and internal team collaboration.
Best for
Teams that sell or support customers through WhatsApp.
AI WhatsApp assistant
Reply drafts, controlled auto-replies, division knowledge, escalation controls and emergency pause for safer automation.
Best for
High-volume sales and support teams.
CRM and website leads
Customer records, contacts, opportunities, subscriptions, website visitors and web-chat capture.
Best for
Businesses building a repeatable sales pipeline.
Trade, fulfilment and field work
Move from order to fulfilment with a visible operating queue.
Retail POS, stock and distribution
Products and services, point-of-sale sales, stock receiving, warehouses, customer pricing, sales orders, picking, transfers and delivery.
Best for
Retailers, agrovets, pharmacies, hardware stores and distributors.
Jobs and field service
Turn paid customer work into assigned jobs, track progress and completion, and retain the linked customer, quote, invoice and payment context.
Best for
Installers, repair teams, cleaners, delivery teams and professional services.
Procurement and supplier control
Suppliers, purchase orders, goods receipt, attachments and the approval trail behind business spending.
Best for
Growing businesses with regular purchasing and multiple approvers.
Finance and spend control
Give owners a clean view of money in, money out, and what still needs action.
Expense and payout control
Itemised requests, suppliers and payees, receipts, departments, approval status, payment accounts, payment vouchers and M-Pesa payouts.
Best for
SMEs replacing informal cash and WhatsApp approval processes.
Finance control room
Business wallet, M-Pesa and bank accounts, settlements, reconciliation, cashflow, profit, VAT, outstanding balances and accounting journals.
Best for
Owner-managed and multi-branch businesses that need daily control.
Management controls
Departments, roles, approvals, audit exports, operating scorecards, performance indicators and staff-cost visibility.
Best for
Businesses with several teams, branches or profit centres.
API and connected systems
Create invoices, start M-Pesa collection, send payment links and read payment status from another system.
Best for
Software products, marketplaces and businesses with an existing ERP or website.
Workforce and site operations
Add accountable people operations where physical teams are central to the business.
HR attendance
Employee records, shifts, holidays, clock-in and clock-out, lateness and missing-punch exceptions, overtime and a full adjustment audit trail.
Best for
Businesses with physical staff, shifts, branches or field teams.
Biometric attendance
Hikvision device setup, employee-device mapping, automatic biometric-punch sync, unmatched-punch review and exception handling.
Best for
Security, retail, hospitality, factories, schools and multi-site operations.
Workforce cost control
Department staff assignments plus salary, commission, bonus and deduction allocations for workforce-cost reporting.
Best for
Managers who need to compare staff cost with departmental performance.
Security operations
Incident logbooks, control-room entries, patrol records and equipment checks.
Best for
Security providers, estates, facilities teams and guarded sites.
Property operations
A specialised operating layer for property managers and landlords.
Property and tenancy management
Properties, units, tenants, leases, rent billing, deposits, commissions and owner statements.
Best for
Property managers, agencies, landlords and estates.
Utility billing
Water and electricity readings, utility accounts and bills, bulk imports, invoices, payments and statements.
Best for
Rental properties and estates that recover utility costs.
Tenant portal and maintenance
Self-service invoices, payments and statements alongside maintenance tickets, comments, documents and case handling.
Best for
Property businesses improving tenant service and maintenance turnaround.
Bookings and parking
Unit bookings, deposits, availability and parking-slot allocation.
Best for
Serviced apartments, estates and mixed-use properties.
Choose your starting point