WayaQuick vs VaultSplit

WayaQuick is the merchant app that helps Nigerian businesses accept payments and get paid. Create a payment link or send an invoice in seconds, and let customers pay you by card, bank transfer, USSD or wallet. Then follow every naira from payment to settlement in one simple dashboard. No website or coding needed. Create your business account, verify your business in the app and start collecting payments from customers anywhere in Nigeria. ACCEPT PAYMENTS WITH PAYMENT LINKS • Create a one-time or recurring payment link in a few taps • Share your payment link on WhatsApp, Instagram, SMS or email • Customers pay by card, bank transfer, USSD or wallet on a secure checkout • Ideal for online stores, social media vendors and service businesses SEND INVOICES THAT GET PAID • Create professional invoices with line items and a payment due date • Send each invoice to your customer to pay online • Keep track of every invoice you have issued RECURRING PAYMENTS AND SUBSCRIPTIONS • Create subscription plans for memberships, school fees, rent, retainers and other repeat services • Customers add their card once and are billed on schedule BANK TRANSFER WITH VIRTUAL ACCOUNTS • Generate a virtual account number so customers can pay you by bank transfer • See each transfer in your account history TRACK EVERY TRANSACTION • Dashboard with your revenue, balance and monthly revenue chart • Search and filter transactions by status, date and reference • Export transactions and settlements to CSV for your accountant • Notifications for payments and account activity SETTLEMENTS AND PAYOUTS • Next-working-day (T+1) settlement into your Nigerian bank account • Or settle instantly into your Waya account • Add settlement accounts and choose where your money goes • Withdraw your balance and send payouts to any bank in Nigeria • Every payout is protected by your transaction PIN CUSTOMERS, DISPUTES AND YOUR TEAM • Keep your customer list in one place • Track and respond to customer disputes • Invite staff to your dashboard and give each person the right role • Activity log of every action taken on your account BUILT FOR DEVELOPERS TOO • View your API keys and switch between test mode and live mode • Set webhook and callback URLs for your website or app • Add WayaQuick checkout to your website with our payment gateway API SECURITY YOU CAN TRUST • Transaction PIN for withdrawals and payouts • Two-factor authentication (2FA) • Face ID and Touch ID sign-in • Automatic sign-out after 15 minutes of inactivity • API keys, PINs and one-time codes hidden while your screen is recorded or shared HELP WHEN YOU NEED IT • Ask the built-in AI assistant about your payments, settlements, payouts and KYC • Browse the FAQ or contact our support team from the app WHO WAYAQUICK IS FOR Online sellers, Instagram and WhatsApp vendors, retail shops, restaurants, schools, event organisers, freelancers, consultants, SMEs and growing businesses across Nigeria. GET STARTED IN 3 STEPS 1. Download WayaQuick and create your business account 2. Verify your business (KYC) in the app 3. Create your first payment link or invoice and start getting paid WayaQuick is a product of Waya Multi-Link Technology Ltd.

VaultSplit gives modern businesses a simpler way to control what happens to their revenue. Instead of letting every dollar flow into one undifferentiated balance, VaultSplit automatically structures revenue as it arrives, allocating money across Taxes, Expenses, Capital, Savings, and Profit according to the rules you set. As transactions move through your business, VaultSplit reconciles activity, balances your books, maintains organized financial records, and gives you a clearer picture of what you have, what you owe, what you can spend, and what you can reinvest. No spreadsheets. No manual allocation. No guessing what is safe to spend. Your Revenue, structured from the start: Connect the platforms your business already uses and let VaultSplit bring your financial activity into one structured system. Whether revenue comes through Stripe, Shopify, WooCommerce, or another supported source, VaultSplit turns incoming activity into organized financial records. Automatic allocation: Set the rules once and let VaultSplit handle the structure automatically. Revenue can be allocated across: • Taxes • Operating expenses • Capital • Savings • Growth • Flexible spending • Profit Money is given a purpose before it becomes an afterthought. Reconciled financial activity: VaultSplit connects revenue, transactions, payouts, refunds, expenses, and allocations into a clearer financial record. Instead of piecing together what happened across different platforms and spreadsheets, you can see the financial activity of your business in one place. Know what is safe to spend: Revenue is not the same as spendable money. VaultSplit separates obligations and priorities so you can see what belongs to taxes, operations, savings, growth, and available spending. That means fewer decisions made from one large account balance and more decisions made from actual financial structure. Clean financial records: VaultSplit automatically maintains organized financial records as your business operates. Your transactions, allocations, journal activity, and financial movements are structured into a clear record that can be reviewed and exported when needed. Built for modern businesses: VaultSplit is designed for businesses that make money online and need financial control without adding another layer of manual administration. Built for: • E-commerce businesses • Shopify merchants • WooCommerce businesses • Businesses operating through Stripe • DTC and online brands • Freelancers and service businesses • Growing small businesses • Businesses managing multiple revenue streams More than bookkeeping: Traditional accounting tools are built primarily to tell you what happened to your money. VaultSplit is built to help structure what happens next. It creates financial discipline at the point revenue enters the business, so taxes, expenses, savings, capital, and profit do not have to compete for the same pool of cash. VaultSplit is operational financial control for businesses that want clarity before they make financial decisions. Built around clarity: You should not need to become an accountant to understand your business finances. VaultSplit turns complex financial activity into a structured system that helps you understand: • What came in • Where the money was allocated • What has been spent • What remains • What is reserved • What is available • What can be reinvested Your business should be easier to run because it is making money, not harder because it is making more money. VaultSplit brings structure to revenue, clarity to cash flow, and discipline to every financial decision. Auto-renewable subscriptions (Pro Monthly, Pro Yearly) renew unless cancelled 24h before the period ends; manage in App Store settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://sites.google.com/view/vaultsplit-privacy-policy/home