BizBooks

Accounting, invoicing, payroll and tax tracking for registered Nigerian companies (agencies, consultancies, IT and B2B service firms), modelled on Wave's structure and filling the gaps Wave leaves in Nigeria.

Overview dashboard (Wave-style): action tiles, overdue invoices and bills, cash flow (inflow/outflow/net), next 30 days (invoices due, bills, payroll, tax deadlines), profit & loss, expense breakdown, net income by year, and payable/owing aging.

• Get paid: invoices (RC/TIN, client PO, 7.5% VAT, 5/10% WHT, amount in words), quotes clients accept online with deposits credited on the final invoice, recurring invoices, reminders, payments through the company's own Paystack/Flutterwave, "I've sent the transfer" claims
• Spend: expenses with receipt photos, bills (unpaid supplier invoices with due dates), recurring expenses (as paid entries or as bills to approve)
• Pay your team: payroll for staff (PAYE under the 2026 bands, 8%/10% pension, NHF, rent relief) and contractors (WHT), payslips, bank bulk-transfer CSV; marking a run paid writes the salary expenses
• Stay tax-ready: reports hub (P&L accrual/cash, Cash Flow, VAT, Income by Client, Aged Receivables, Client Deposits, Purchases by Supplier, Aged Payables, Payroll Summary, All Transactions) and a tax calendar for VAT, PAYE, pension and WHT with "mark as remitted"
• 5-step onboarding wizard for companies (entity type, CAC number, team size, professional services, TIN)
• Installable PWA

Why BizBooks never holds money

Customers pay the business directly: into its bank account, or through its own Paystack/Flutterwave account using the secret key the owner connects. BizBooks only creates the checkout link, verifies the result with the gateway, and updates the books. No funds pass through the platform, which keeps it outside payment-licensing territory. Get a Nigerian fintech lawyer to confirm this for your exact setup before launch. The only money BizBooks collects is its own Pro subscription, through the platform's own Paystack account.

Stack

Same as the ECDI portal: Next.js 16 (App Router, server actions) · React 19 · Prisma 7 + PostgreSQL (Prisma Postgres on Vercel in production, prisma dev locally) · Tailwind CSS 4 · jose sessions · Resend for email · Vercel (hosting + daily cron).

Run it locally

npm install
npx prisma dev --name bizbooks --detach   # prints a postgres:// URL
cp .env.example .env                       # paste the URL, generate the secrets as described inside
npx prisma migrate deploy
npm run db:seed                            # demo agency: [email protected], password = SEED_DEMO_PASSWORD
npm run dev

Without RESEND_API_KEY, emails are printed to the terminal instead of sent.

Schema changes locally: prisma dev serves a single template1 database, which breaks migrate dev's shadow database. Generate migrations without one:

npx prisma migrate diff --from-config-datasource --to-schema prisma/schema.prisma --script > prisma/migrations/<timestamp>_<name>/migration.sql
npx prisma migrate deploy

Against a real Prisma Postgres database (not prisma dev), plain npx prisma migrate dev works; use a separate development database for that, never production.

Deploy (Vercel + Prisma Postgres)

1. Import the repo into Vercel. In the project, open Storage → Create Database → Prisma Postgres and pick the region closest to your functions (Frankfurt for Nigeria), then connect it to the project.

2. Open the database's Connect tab and copy the direct postgres:// connection string. Set it as DATABASE_URL in the project's Environment Variables (replace the prisma+postgres:// value Vercel may add by default; the pg adapter can't use it). Leave DIRECT_URL unset.

3. In Settings → Functions, set the function region to match the database region.

4. Set every other variable from .env.example. ENCRYPTION_KEY must never change after launch.

5. Create the tables once from your machine, pointing Prisma at production for that one command (a variable set in the shell wins over .env, and nothing is saved):

   • PowerShell: $env:DATABASE_URL="postgres://…"; npx prisma migrate deploy; Remove-Item Env:DATABASE_URL
   • Bash: DATABASE_URL="postgres://…" npx prisma migrate deploy

   Run it again after any release that adds a migration.

6. vercel.json schedules /api/cron/daily at 06:00 UTC (07:00 Lagos). Set CRON_SECRET in Vercel.

7. Verify a sending domain in Resend and set EMAIL_FROM.

8. For Pro billing, add PLATFORM_PAYSTACK_SECRET_KEY and set the Paystack webhook to https://<domain>/api/webhooks/platform.

How payments flow

Step	Code
Email/WhatsApp link /pay/<token> goes straight to the gateway checkout	src/app/pay/[token]/route.ts
Checkout started with the business's decrypted key	src/lib/checkout.ts, src/lib/gateways.ts
Customer returns: payment verified with the gateway, then recorded	src/app/api/pay/callback/route.ts
Webhook backup (signature checked with that business's key, then re-verified)	src/app/api/webhooks/{paystack,flutterwave}/[businessId]
Redirect and webhook both arriving is safe: unique gateway reference	Payment.reference @unique

Things to confirm before launch

• Prices in src/lib/constants.ts (PLANS) are placeholders (Free / Pro ₦12,500 a month).
• Payroll simplifications: monthly gross is treated as pensionable pay and NHF as 2.5% of gross; these are shown to users. Have a payroll accountant check a real month before launch.
• Balance Sheet / Trial Balance need a double-entry ledger and bank feeds (e.g. Mono); they're listed as "coming soon", not faked.
• Tax figures in TAX (same file) were checked against published summaries of the Nigeria Tax Act 2025 in Sept 2026. Sources disagree on some thresholds, so have a tax adviser confirm them. The app labels all tax figures as estimates.
• Name: "BizBooks" is a working name; check trademark and domain availability.
• Timezone: the server runs in UTC on Vercel, so "today" boundaries for the daily job are one hour off Lagos time.