Get paid
Use the built-in gateway, or the POS machine you already have.
Collect in Tab and take card or bank transfer with no terminal on your side. Or take the payment on the POS machine you already own and record it. Either way it attaches to the order and settles to your bank by T+1.
Collected in Tab by card or bank transfer, or taken on the POS machine you already have and recorded. Either way it settles to your bank by T+1.
Order #2041 · Amaka Stores
₦28,000
Settles to your bank · T+1
The end of the night
Whichever channel the order came from and however the money arrived, the two are joined.
Gateway collections across every channel land as a single figure rather than three streams that only roughly agree.
In full, usually. Split across a group if that is what they want.
No terminal is required. An existing one is not wasted either.
Path one
The integrated gateway takes card (NGN or USD) and bank transfer. The customer pays from their own phone, so there is no machine to buy, rent or carry.
Collections across every channel settle to your bank as one figure by T+1. A guest can pay the bill in full, which is what most do, or a group can split it and each pay their own share while Tab tracks who has and who has not.
Pay in full
Card or bank transfer
Or split it 4 ways at ₦6,150 each. The guests choose, and it still settles as one figure by T+1.
Path two
If you have a POS terminal you are happy with, keep using it. Take the payment on the machine and record it in Tab, and the order and the money still line up.
That matters more than it sounds. The common objection to a system like this is that it makes existing hardware worthless. It does not, and we would rather say so than quietly imply otherwise.
Order #2041 · Amaka Stores
₦28,000
Settles to your bank · T+1
Closing the day
For most businesses the end of the night is an hour of matching a bank app against a drawer against a pile of slips, and the numbers only ever roughly agree. There is nothing to match when the sale and the payment were never separate records.
Every order from every channel, whether the counter, the chat, the storefront or the table, with what was sold, at what price, and what it cost you.
Not a list of takings beside a list of sales. One record, so there is no matching exercise to do at eleven at night.
A card taken on your own terminal, or cash at the counter. Record it against the order and the gap closes as you go rather than at the end.
Takings by channel and by outlet, set against what was sold. If something does not agree, you can see which order it is rather than which hour it was in.
Gateway collections arrive as a single settlement by T+1 that matches the figure you closed on. One number to check, not three streams to unpick.
Whichever path you take
Collected in Tab, with no machine to buy, rent or carry.
Attached to the order automatically rather than arriving as a screenshot to check.
Collect on the terminal you have and record the payment, so nothing is orphaned.
Most bills get paid in full. A group that wants to split can, each from their own phone.
Gateway collections across every channel arrive as a single settlement the next day.
What you sold and what you collected are one record, so the end of the day is a number to read rather than an hour of matching.
Takings by channel, by outlet and by day, set against what sold, in the message that arrives each morning.
Who is behind it
Tab is by Billif, registered as Bill Intelligent Flow Technologies. That is the answer to the question a business quite reasonably asks before handing over card settlement.
Get paid
Collect in Tab by card (NGN or USD), or bank transfer · Or collect on your own POS machine and record the payment in Tab · T+1 settlement to your bank · Every payment attached to the order it paid for, with nothing matched by hand · An end-of-day close you read rather than assemble
Restaurants & bars
Guests wait to be noticed, then wait again to pay, and the order gets walked to the kitchen on paper. None of it shows up as a loss. The night was just quieter than it should have been.
Retail & boutiques
The counter, the chat and the link each keep their own idea of what is left. Someone walks to the rail to check, and by then it has already sold in store.
Hotels & shortlets
The restaurant, the pool bar and room service each run their own process, and none of them agree at the end of the night.
None of these is a separate subscription. They are one account, one catalog and one set of numbers.
Turn the chat you already sell in into real orders.
A microsite on your own link: browse, order ahead, pay.
For when the customer is standing in front of the thing.
