Accounting software built for small businesses in Ghana

A customer pays part in cash, the next one sends MoMo to a merchant number, and the card terminal settles into the bank two days later. By the time you sit down with the MoMo statement and the bank statement, you cannot tell which sale was which, whether the shop attendant banked everything, or where a GHS 400 gap came from. Most owners end up guessing, and the guess quietly becomes the accounts.

The registration threshold for goods sits at GHS 750,000 in taxable supplies, and plenty of small shops trade for years below it. But without real sales figures you cannot tell how close you are, so you either register far too early and carry filing work you did not need, or cross the line months ago without noticing. Ghana's VAT also comes bundled with levies, which makes a manual calculation on a phone even easier to get wrong.

The supplier invoice is in a WhatsApp photo, the fuel receipt is folded in a wallet, and the customer invoice was written in a duplicate book. When an accountant asks for the year's records — or you simply want to know what a month actually cost you — reconstructing it takes a full weekend, and the expenses you cannot find are expenses you never claim.

You buy in bulk, sell in singles, and rely on a headcount that only happens when something feels wrong. Fast movers run out on a busy Saturday, slow movers sit tying up cash you needed for restocking, and shrinkage hides inside a stock figure nobody trusts. Meanwhile pricing gets set from memory rather than from what the goods actually cost you after transport.

Ring up a sale in Tallium AI's POS and tag how it was paid — cash, mobile money, card, transfer or on account. Each payment type totals separately at close of day, so you can match the MoMo figure against the MoMo statement and the card figure against the bank settlement instead of one lump sum. Bank reconciliation then clears the rest line by line, and a shortfall shows up the same day it happens, not at year end.

Because every sale is captured as it happens, your rolling taxable supplies figure is always on screen. You can see months ahead of time whether you are trending toward the goods threshold and plan registration deliberately rather than reactively. If you are already registered, Tallium AI keeps VAT and the levies separated on each transaction and pulls the totals you need to prepare your VAT and Levies Return — confirm current rates, thresholds and filing rules with GRA or a local tax professional before you file.

Photograph a supplier invoice or a fuel receipt with your phone and Tallium AI reads the supplier, date, amount and tax, then files it against the right expense category. Your sales invoices carry your TIN and business details and are issued from the same app, so customer records and supplier records finally live together. When your accountant asks for the year, you export it instead of hunting for it.

Stock moves the moment a sale rings up, so counts stay live and low-stock alerts reach you before the shelf clears. Landed cost — including transport in — sits behind each item, so margin reports show what you genuinely made rather than a rough mark-up. Loss-prevention reporting flags voids, discounts and adjustments by staff member, which is usually where quiet shrinkage shows itself.