Agree the scope. Record the payment.
Give every client deal something to stand on.
Say what the job is and what it is worth. Paymarka drafts a real proposal for it here, free, before you have an account.
Most client disputes start with terms nobody wrote down. Point at or tap a message to see the line that would have settled it.
A written record does not make disagreements impossible. It gives both sides the same thing to point to.
In PwC's 2020 survey of 1,629 Nigerian small and medium businesses, 48% said payments owed to them were delayed. Read the survey
Nothing can promise that. What Paymarka does is settle what was agreed before the work starts, and record what was paid and when, so a disagreement becomes a question of looking it up rather than one word against another.
Every receipt carries a code and a link. Anyone holding it can open Paymarka's verification page and see who issued it, the amount and the date, without an account.
Scan the code or open the receipt link to check it on Paymarka.
One price for one job, from quote to receipt. Keep every naira your client pays you.
No percentage of the job. No subscription needed. Pay once for each job you take on.
Doing repeat work? Monthly and annual plans are optional. Compare all plansa 60% deposit is ₦300,000, leaving ₦200,000 to invoice later
Paying per job fits: ₦7,000 a month.
Follow one illustrative deal, a ₦450,000 website for Bloom Interiors, from the first proposal to the receipt.
An illustrative proposal for a five-page website, prepared by Studio North for Bloom Interiors.
The scope, the price and the deliverables, in one clear starting point your client can review and approve.
The scope, the price and the deliverables, in one clear starting point your client can review and approve.
The approved terms become an agreement your client signs through one link. No client account needed.
The deposit or milestone comes straight from the agreement, with your bank details. Your client pays your business directly.
Once you confirm the payment, a receipt is issued against the same record. Your client can check it for themselves.
Client, scope, price and payment terms in one document your client signs through a link. Once signed, the terms are locked, so a change means a new version both sides agree to.
Paymarka records what was agreed and who signed, when. Whether a term can be enforced depends on the law that applies.
Draft an agreementYour invoice carries your own bank details, so the money goes straight to your account. Your client uploads proof on the same link, and you confirm it before a receipt is issued.
Paymarka never holds your client's money and takes no cut of it. It records the proof and your confirmation; it doesn't check your bank for you.
Studio North sends the deposit invoice with its own bank account details on it.
No, and nothing honestly can. Paymarka settles what was agreed before the work starts, and records what was paid and when. If there is a disagreement later, both of you look at the same signed record instead of arguing from memory.
No. They open your deal link to review the documents, sign, and see your payment instructions.
No. Your client pays your business directly. Paymarka manages the documents and payment records.
Yes. If the job is already agreed, you can send an invoice on its own, with no proposal or agreement. Each job you pay for also includes one quick invoice like this.
Record the payment, upload the evidence, and confirm it before issuing a receipt. That record reflects the confirmation; it is not an independent guarantee of bank settlement.
Yes. Paymarka keeps your records on your behalf. Every proposal, agreement, invoice and receipt downloads as a PDF while your plan is active, and you can download every deal, invoice and payment as a spreadsheet at any time, even after you stop paying. Nothing is deleted when a plan ends, and the receipt links keep working for your client.
You describe the job and the client first, then create your account and pay once for that job. After that, the proposal, agreement, invoice and receipt are all included.
I'm a software developer and a student at Lagos State University. I built Paymarka because I kept seeing agreements made on WhatsApp get lost, and with them any proof of what was agreed and what was paid.
Three PDFs from one illustrative job, sent to your inbox: what your clients would receive.
Operated by Obivesta Limited, Lagos, Nigeria.How your records are secured, including what is still openStop paying and nothing is deleted: every deal, invoice and payment still downloads as a spreadsheet.