Record. Know. Grow.

Message Qonta on WhatsApp: type it (“sold goods 5000” or “paid rent 30000”), send a voice note, forward your mobile-money message, or snap a photo of the receipt. Qonta reads it, records it, and categorizes it for you instantly. You can also type it straight into the dashboard at app.qonta.rw, or upload a whole MoMo statement and have Qonta pull the entries out of it.

No, and you will not have to. Everything works in your browser at app.qonta.rw and on WhatsApp, the app you already have. A Qonta mobile app is on the way for people who would rather have one on their home screen, but it will always be an option and never a requirement — the same account and the same books, whichever way you open them.

No. You can create your account at app.qonta.rw with a password and never open WhatsApp, recording, invoices, reports and everything else work in the browser. Most Rwandan businesses start on WhatsApp because it is the fastest way to record a sale between customers, but it is a choice rather than a requirement, and signing in never depends on a message arriving.

Not at all. Qonta keeps the records for you and answers in plain language. Just ask things like “How am I doing this month?” or “Who owes me?” and you'll get a clear answer back.

Solo is 9,500 RWF/month for a single owner and one phone. Team is 14,500 RWF/month for an owner plus up to 5 staff who all record into one shared set of books. Business covers unlimited phones and is priced on request. Your first 30 days are free, pay yearly and you only pay for 10 months, and you can cancel anytime. There is no setup fee and no contract. You pay by Mobile Money when you are ready and nothing is ever taken automatically, because you approve the prompt yourself every time.

Yes. Text Qonta something like “invoice Ineza Boutique: social media management 350000, content shoot 12 hours at 12500” and you get back a professional PDF with your logo, your business details, your MoMo or bank details and a due date, ready to forward to your client. Qonta then tracks it for you: it counts what they owe, records part-payments as they come in, reminds you before the due date and while it's late, and turns the invoice into a receipt the moment it's fully paid. You can also create and manage invoices at app.qonta.rw.

Your books are the application. As you record sales and expenses, Qonta builds a loan-readiness score from your real cash flow, so there's no bank statement to produce and nothing to pledge as collateral. Ask in the chat, and the decision comes back in the same thread; approved money goes to your MoMo and is repaid as a share of what you sell, so a quiet week costs less. Credit is offered, priced and approved by BNR-licensed bank and microfinance partners, who set your eligibility, limit and terms and show them in full before you accept. Qonta is the underwriting engine that makes good borrowers visible, not the lender.

Your limit is set by the BNR-licensed partner from your recorded trading history, and it starts small and grows as your record lengthens. Any fees or interest are the partner's and are shown to you in full before you accept anything. Qonta adds no charge of its own on top of a facility, and nothing is deducted without your acceptance in the chat.

Your invoices carry your TIN and your customer's, so they hold as tax documents. EBM integration with RRA is in progress: it is built and waiting on approval, and once that lands Qonta will transmit your sales to RRA automatically. Until then it does not, and you should keep filing the way you file today. VAT is a separate matter and is only compulsory above 20M RWF of turnover a year, so it does not apply to most businesses starting on Qonta.

Your records live on servers located in Rwanda. Every connection is encrypted end to end, and administrative accounts use multi-factor authentication. Backups are taken daily and retained for 14 days. Your books are yours: you can export them to Excel or PDF at any time, and you keep that right for 30 days after your subscription ends.