How to use Kaya
Write down who owes you
A later payment is written down where you are standing. You mark it paid with one tap.
Opens WhatsApp so you can pick who to send it to.
- Step 1
From Money, open Who owes you.

- Step 2
Under Write somebody down, type Who owes you.

- Step 3
Type How much, in naira.

- Step 4
Tap Write this down. The book shows Still owed. Tap Mark settled when they pay.

- Step 5
The first debt is free on every plan. Who owes you, and how much is part of the Trader plan. Kaya is not taking payment for plans yet.
- Step 6
On Telegram, tap ๐ณ Who owes me. Then tap โ Add a debt.
This is what Kaya writes
you๐ณ Who owes meKayaNobody owes you right now. - Step 7
Who owes you, and how much? Reply like: OWE Chioma 5000
This is what Kaya writes
youโ Add a debtKayaWho owes you, and how much? Reply like: OWE Chioma 5000 - Step 8
Reply like the line Kaya gave. Then tap โ Yes, write it down.
This is what Kaya writes
youOWE Chioma 5000KayaWrite down that Chioma owes you โฆ5,000? - Step 9
Kaya writes Written down: Chioma. Then tap โ Paid. Kaya writes Marked settled: Chioma.
This is what Kaya writes
KayaWritten down: Chioma.youโ PaidKayaMarked settled: Chioma.