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Digital accounts platform

Nawzo

Clearer accounts. Faster payments.

Nawzo helps grocery stores and small shops replace paper ledgers with clear digital customer accounts. Customers can review transactions, raise disputes, and pay from a phone or browser.

Start as a merchant Customer login See how it works

Nawzo works across web and apps, supporting merchants, customers, and operations in one platform.

Nawzo customer and merchant interfaces showing accounts, digital card, and payment
Illustration of Nawzo interfaces. Details may change during development.

What is Nawzo?

Daily accounts with a clear record.

Nawzo is a digital system for managing deferred accounts and daily debts between shops and customers.

Instead of relying on a paper ledger that can be lost, damaged, or hard to review, Nawzo provides a clear record for every transaction with notifications, confirmations, electronic payment, reporting, and support.

  1. 1The merchant records the transaction.
  2. 2The customer receives a notification.
  3. 3The customer reviews, confirms, or disputes it.
  4. 4Payment stays clear, and every action is kept in an organized record.

The problem

Paper ledgers are no longer enough.

Paper is familiar, but it creates daily problems for merchants and customers.

  • Customers with similar names.
  • Difficulty confirming the correct balance.
  • Transactions can be forgotten.
  • The paper ledger can be damaged or lost.
  • Customers receive no transaction notice.
  • Overdue balances are difficult to track.
  • Staff must rely on memory.
  • Changes leave no audit trail.
  • Producing a clear statement is difficult.
  • It is hard to know who recorded a transaction and when.

The solution

Nawzo turns accounts into a clear system.

A focused merchant interface, a clear customer experience, and an operations platform for support and security.

  • Record a debt in seconds.
  • Record cash or electronic payments.
  • Notify the customer.
  • Show a clear account statement.
  • Attach an invoice image.
  • Confirm or dispute transactions.
  • Manage customers, branches, and staff.
  • Track overdue balances and reports.
  • Document every change and action.

Nawzo platform

Four experiences. One system.

Each experience is designed around its user, while one record connects the merchant, customer, and operations team.

01

app.nawzo.com

Customer portal

Lets customers manage their accounts in a browser before downloading the app.

  • View total due and balances by store.
  • Review, confirm, or dispute transactions.
  • Pay electronically and view receipts.
  • Download statements and manage the Nawzo card.
  • Manage privacy, support, and rewards.
02

merchant.nawzo.com

Merchant portal

The daily workspace for shop owners and staff, from recording transactions to tracking collection.

  • Add customers and invite them by SMS or WhatsApp.
  • Scan a customer card and record debt or payment.
  • Send reminders and view account statements.
  • Manage overdue balances, staff, and branches.
  • Use reports, receipts, and support tickets.
03

Mobile experience

Customer app

A faster mobile experience with a digital card, notifications, and account access anywhere.

  • Home, stores, and account.
  • My Card, QR, and Barcode.
  • Payments and receipts.
  • Rewards and privacy.
  • Support and session management.
04

Nawzo Merchant

Merchant app

An app for cashiers and shop owners that makes recording debt or payment faster than paper.

  • Fast cashier mode with QR or Barcode scanning.
  • Planned NFC support.
  • Manage customers and send reminders.
  • Daily reports and receipt printing.
  • Limited offline work for selected cases.

How Nawzo works

A clear journey for everyone.

For merchants

From signup to collection tracking.

  1. 1

    The merchant creates an account.

  2. 2

    The merchant completes store details and uploads required documents.

  3. 3

    The merchant adds or invites customers.

  4. 4

    The merchant records debt or payment.

  5. 5

    Nawzo notifies the customer.

  6. 6

    The merchant follows overdue balances and reports.

Start as a merchant
For customers

From transaction notice to receipt.

  1. 1

    The customer signs up with a mobile number.

  2. 2

    The customer accepts the store connection.

  3. 3

    The customer sees new transactions.

  4. 4

    The customer confirms or disputes the transaction.

  5. 5

    The customer pays electronically when available.

  6. 6

    The customer receives a receipt and tracks rewards.

Customer login

A clear comparison

Nawzo and the paper ledger.

Comparison of paper ledgers and Nawzo
Paper ledgerNawzo
Can be lostStored digitally
Hard to searchFast search
No notificationsCustomer notifications
No change attributionAudit trail
Statements are difficultInstant statements
Relies on memoryDocumented transactions
No payment workflowElectronic payments
No staff permissionsStaff permissions
No reportingClear reports

Nawzo Card

A digital card for quick identification at the store.

The Nawzo Card helps merchants identify a customer by QR or Barcode, with planned NFC support in the app.

  • The card contains no sensitive data and does not expose a balance in its QR code.
  • It does not reveal the full mobile number or accounts at other stores.
  • The card can be disabled or reissued.

Electronic payment

Clearer payment with a saved receipt.

Nawzo supports electronic payment through an approved provider. Payment succeeds only after provider confirmation, and the receipt is saved against the account.

  • Nawzo does not store bank card data.
  • Every transaction has a reference and clear status.
  • Every payment appears on the statement, including a clear pending state.

Nawzo Rewards

Rewards that encourage timely payment.

A points and rewards program that encourages electronic payment, early payment, and transaction confirmation.

DiscountsVouchersDigital codesOffersNawzo services

Points are not cash and cannot be withdrawn or transferred to a bank account. They are used inside Nawzo under the applicable terms.

Security and privacy

Every action recorded. Every access controlled.

Because Nawzo handles accounts and financial transactions, every operation is recorded, every change is documented, and sensitive data is protected.

Customer privacy: A merchant sees customer data only inside their store. Accounts at other stores and unrelated data stay private.

  • Sensitive data masking.
  • Fine-grained staff permissions.
  • Sensitive action logging.
  • Financial transactions are never hard-deleted.
  • Secure document links.
  • OTP abuse protection.
  • QR and Barcode values do not expose sensitive data.
  • Device and session management.

Everyday value

Clearer for merchants. Clearer for customers.

Benefits for merchants

  • Organize customer accounts.
  • Reduce errors and disputes.
  • Speed up debt and payment recording.
  • Track overdue balances and send reminders.
  • Print receipts and monitor staff activity.
  • Manage branches and daily or monthly reports.
  • Improve collection.

Benefits for customers

  • Know the amount due by store.
  • Review, confirm, or dispute every transaction.
  • Use electronic payment and saved receipts.
  • Download a clear statement.
  • Use and disable a digital card when needed.
  • Manage privacy, rewards, and support.

Who is Nawzo for?

For stores moving beyond paper at their own pace.

Grocery storesSmall shopsMini marketsConvenience storesStores using monthly customer accountsStores with regular customersSmall and medium branch networksMerchants moving away from paper gradually

Designed for daily work

A system designed for real daily transactions.

Nawzo keeps shop operations familiar. It makes daily accounts clearer, payment faster, and the relationship between merchant and customer more transparent.

Technology

Modern technology behind a simple experience.

Nawzo is designed for web and mobile apps with a unified API, secure data storage, notifications, payment integration, file storage, audit logs, and precise permissions.

  • Public website
  • Customer portal
  • Merchant portal
  • Admin platform
  • Customer app
  • Merchant app
  • Backend API
  • PostgreSQL
  • Redis
  • Workers
  • Object Storage
  • Payment Provider
  • SMS & WhatsApp
  • Push Notifications
  • Audit Logs
  • Feature Flags
  • System Health

Frequently asked questions

Answers before you start.

Need another answer? Contact the Cup Code team.

Contact us
Is Nawzo a replacement for paper ledgers?

Yes. Nawzo helps merchants move daily accounts from paper to a clear digital system, with a gradual onboarding path.

Can a merchant see my accounts at other stores?

No. A merchant only sees accounts and transactions connected to their own store.

Can I dispute a transaction?

Yes. A customer can dispute a transaction, explain the reason, and attach a file when needed.

Does Nawzo support electronic payments?

Yes, when the merchant has an enabled payment provider. A payment is successful only after provider confirmation.

Are Nawzo points money?

No. Nawzo points are in-platform rewards, not cash that can be withdrawn or transferred.

Do I need to download the app?

Nawzo works in a browser. The apps provide a faster experience and enhanced mobile features.

Get started

Start organizing accounts today.

Whether you manage customer accounts or want a clear view of what you owe, Nawzo offers a simpler, more organized experience.

Start as a merchant Customer login Contact us