Your business at your fingertips.

Your shop, in your hand.

OwnerSurf turns the biro book into a helper that counts your stock, checks every transfer and reminds who owes you.

Join the waitlistarrow_forward See how it worksarrow_downward
OwnerSurf owner home: sales today ₦112,000, and the helper found 2 things: transfers to confirm and products running low.
2 transfers need you to confirm₦100,000 marked received by staff.
Confirm
Mrs. Nkechi Obi is 1 day lateShe owes ₦24,000. Send a gentle reminder?
Remind
check_circle
Bags wall is up to date48 pieces counted by Folake.
Suya spot Mini-supermarket WhatsApp thrift shop Boutique Provisions store Phone shop Pharmacy Farm stand Supermarket chain

The problem

Nigerian business still runs on a biro book.

Sales and stock written by hand. Receipts too. Stock is rarely counted, so nobody knows what is really on the shelf.

Sold in chat. Paid by alert. Recorded nowhere.

The sale happens on WhatsApp or at the stall. The money lands in someone's bank app. The book can't add up, remind a debtor or prove you deserve credit.

Close the notebook. Open your shop.

OwnerSurf keeps the same book, now on your phone. It grows with every sale, and the yellow dot means your helper has something for you.

A small business manager that reads the book for you.

Every morning the helper goes through your sales, stock and debts and says what needs doing. Each card ends in one tap. Yellow always means OwnerSurf did this, or has an answer ready.

Your helper found 3 things

Iya Bisi owes ₦4,500 for 9 days

She usually pays on Saturday.

3 transfers to confirm

₦61,500 marked received by staff. Check your bank alerts.

Lace kaftan is your best seller

Wine M has 2 left. Your supplier takes 5 days.

All clear. Enjoy your evening.

A day at the shop

Counter screen: Who is selling? Tobi, Chiamaka and Folake, with a PIN keypad and an aso-oke band under the shop name.
07:52

Open the till

Tobi taps his name and enters his PIN. Every sale from now on is saved under his name.

Sell screen listing Ankara tote, Beaded clutch, Block heel sandal and more with prices.
11:20

Sell in seconds

Scan or search, pick the size, charge. Transfer comes ready, because that is how Naija pays.

Sale complete: a kraft receipt with an Ankara band for Gold hoop earrings and Oud perfume, ₦23,000 paid by transfer, and a Send on WhatsApp button.
12:30

Send the receipt

The receipt goes to the customer's WhatsApp. No printer needed, and it wears your shop's cloth.

Confirm transfers: ₦35,000 from Ifeoma Nwosu and ₦65,000 from Kemi Lawal, customer says sent, with Seen in bank and Not received buttons.
14:05

Check the transfer

Customer says sent? It waits for you. Tap Seen in bank only when the alert is really there.

Customers who owe: ₦318,000 total. The helper suggests reminding Aunty Bisi Ogunleye, 12 days late, and Mrs. Nkechi Obi.
17:40

Chase who owes you

See who is late first, then send a WhatsApp reminder in the tone you pick.

Stock-take: October full count, sections Dresses rail, Shoes rack, Bags wall.
21:15

Count one section

Point the phone at the bags wall. Most sections take under 15 minutes.

Six things a biro book can't do.

account_balance

Proof, not promise

Staff mark what the customer says. You confirm what the bank says.

₦20,000schedule1 min
Customer says sent
Sender name
KEMI LAWAL
Into
Moniepoint MFB, ...9871
Sale
A-1047, Gold hoop earrings. Tobi, 19:31
chat

Remind, in your tone

The app asks you first. It never sends on its own.

bolt

Light goes, sales stay

cloud_doneSynced 0 sales waiting
    barcode_scanner

    Count stock with your camera

    Blind count by section. Each scan beeps, flashes green and adds one.

    0 pieces counted

      sell

      Haggle without selling at a loss

      Coming next
      Cost₦6,000
      Floor₦7,800
      Asking₦9,000
      check_circle
      Fine, above your floorShop makes ₦2,200 profit.
      shield_person

      Every action has a name

      Each person signs in with their own PIN. Sales, refunds and discounts are saved under them. Big discounts wait for your OK.

      Try it: enter any 4 digits for Tobi.

      TOTobi, enter your PIN

      Same shop on the counter computer.

      Big buttons, keyboard shortcuts and a barcode scanner. No light or network? Sales keep saving on the computer and send when the network comes back.

      Counter sell screen: product grid with Ankara tote, Beaded clutch and more, and a current sale totalling ₦35,000.
      F2 Scan F8 Charge F9 Park sale

      Five languages

      Speak the seller's language, not bank English.

      Welcome

      Your shop, in your hand

      One app that grows with the seller.

      Pocket. Free

      Mallam Sani, suya spot

      One phone, nights only. Tap or speak a sale, see who owes you, and know if today beat yesterday. Works offline on a cheap Android.

      WhatsApp Shop

      Tolu Thrift, on Status

      Share items from your catalogue, take orders from chat, confirm the transfer and send the receipt in the same thread.

      Counter Shop. Pilot now

      Adunni Couture, Allen Avenue

      Counter POS, phone-scan stock-take, staff PINs, shift close, suppliers and a VAT summary in one plain sentence.

      OwnerSurf Business

      Ikeja Fresh Mart, four branches

      Managers per branch, a head-office view, and stock moves between branches. The helper nudges managers too.

      syncSame records underneath. Switch modules on as you grow, never move your data.

      Your shop's colours, not ours.

      Pick your colour and your staff app, receipts and share cards wear it. Cloth frames the edges. Screens where money is counted stay plain.

      Mama Choice Stores Ojuelegba Road, Surulere
      Receipt 04129 Oct, 14:14
      • Rice, 5kg₦9,800
      • Groundnut oil, 1L₦3,200
      Total₦13,000
      check_circlePaid by transfer, seen in bank Runs on OwnerSurf

      Join us

      Three seats, one 90-day plan.

      We are looking for co-founders who own a result, not a task list. Up to four people, and one person can hold two seats. Time and equity are agreed in writing before day one.

      Operations and Strategy

      Marketing

      On the ground in Lagos. Markets, associations, ajo leaders, 50 seller interviews and the launch film.

      Finance

      Business development and partnerships

      Payment, lending and supplier partners, pricing and unit economics, CBN and NDPA basics.

      Engineering

      Product development and management

      Roadmap, Flutter, offline sync, the price guard, the sales dashboard and the helper's rules.

      Young and tech-savvy

      Comfortable building with phones, data and AI tools. Learns fast and ships small.

      Motion and perspective

      A real view of business or tech, from volunteering or from real-world work. Both count.

      An owner's mindset

      Owns a result, not a task list.

      1. Pilot live
      2. 50 seller interviews
      3. One payment partner
      4. Price guard shipped
      5. Pidgin and Yorùbá strings reviewed
      +234
      Which seat? Pick one or two

      What have you built, sold, run or shipped? Name the result. Volunteering counts.

      0 / 1500

      Why Naija sellers, why now, and why you.

      0 / 1000

      Questions sellers ask us

      Does it work when there's no light or network?add

      Yes. Sales save on your phone or counter computer, and send when the network comes back. The top of every screen shows if you are synced.

      Do you hold my money?add

      No. Customers pay you by transfer, POS or cash exactly as they do today. OwnerSurf records each payment and helps you confirm it reached your bank.

      Which phone do I need?add

      An Android phone with Chrome is enough. OwnerSurf installs from the browser like an app. The counter runs on a Windows computer, with or without a barcode scanner.

      Can my staff still cheat?add

      Every sale, refund and discount is saved under the person who did it, with their own PIN. Stock counts are blind, and big discounts wait for your OK on your phone.

      How much does it cost?add

      The pilot is free, and Pocket stays free. Paid plans for bigger shops come after we test prices with real sellers. Waitlist members hear first.

      Close the notebook. Open your shop.

      Join the waitlist. We'll message you on WhatsApp when OwnerSurf is ready for your kind of business.

      • check_circleFree during the pilot
      • check_circleWe help you set up your stock
      • check_circleEnglish, Pidgin, Yorùbá, Hausa or Igbo
      +234

      We only use it to tell you when it's your turn.

      What do you sell?