The recurring revenue engine behind African businesses
We give businesses the infrastructure to sell on subscription — launch plans, collect automatically, recover failed charges, and see exactly where revenue stands.
Across Nigeria, businesses already have customers who come back every week. What they rarely have is a payment system built for that rhythm — so repeat business still gets treated like a stranger walking in for the first time.
We started Subby in 2024 after watching operators run the same loop forever: send an invoice, wait, follow up, reconcile, repeat. The laundry, the meal plan, the clinic visit, the estate levy — all recurring by nature, none of it billed that way.
Our job is to give African businesses the same subscription infrastructure global software companies take for granted, without needing an engineering team to run it. When customers pay before service starts, revenue becomes something you can plan around.
A billing month, side by side
Same customers, same plans. Flip the switch and watch the month change.
Charges go out on schedule
Every subscriber is billed automatically — nobody asks anybody.
Failed payments fix themselves
Declined charges retry and the customer gets a WhatsApp nudge.
Books reconcile as money lands
Paid, pending, and failed sort themselves — no spreadsheet.
Revenue is already settled
Payouts are in the account and next month is forecastable.
Predictable cash flow, zero chasing, and churn caught before it happens.
The engine is shared. The workflow is not.
Businesses may operate differently, but when customers are expected to pay repeatedly, the problems start to look very familiar. our solution is built to cater to Different businesses. Different workflows. We’re not building another generic payment tool and asking every business to adapt to it. We’re building infrastructure around how recurring businesses actually operate so providers spend less time chasing payments and more time delivering the service their customers are paying for.
With Subby, providers can
Set up a recurring payment plan in minutes
Use workflows built around your business type
Send reminders by SMS, email, in-app, Telegram, and WhatsApp
Retry failed payments
Manage outstanding collections
Track disputes
Monitor settlements and payouts
Build directly with Subby’s API and sandbox
Let customers pay small small. Get paid in full.
Pay Small Small turns big-ticket orders into structured instalment plans. Your customers spread the cost, and Subby manages every instalment — reminders, retries, and collections — until the order is fully paid.
- Split any order into scheduled instalments
- Automatic reminders before each payment is due
- Failed instalments retried, not forgotten
- Every outstanding balance tracked in one place
Order #4821 · Home appliances
₦240,000
₦120,000 paid
- Instalment 17 Oct · ₦60,000Paid
- Instalment 27 Nov · ₦60,000Paid
- Instalment 37 Dec · ₦60,000Reminder sent
- Instalment 47 Jan · ₦60,000Scheduled
The businesses running on Subby
Built for any business where the relationship, not the transaction, is the product.
Auto Genius
Vehicle care and cover renewals on Subby: higher retention, less chasing, predictable monthly revenue.
Read their storyNest Community
A community selling shared lifestyle and learning plans. Hive + Subby billing turned members into recurring revenue.
Read their storyCeedMart
Laptops, gadgets, solar generators, and security cameras: CeedMart sells on structured instalment plans, with Subby handling the collections across Lagos, Uyo, and Port Harcourt.
Read their storyFonzville
Recurring diesel deliveries to estates, offices, and businesses in Abuja. Subby tracks what was collected, what failed, what is outstanding, and what has settled.
Read their storySPDC
SPDC uses Subby to collect service charges consistently, send timely reminders, and track payments across its residential properties in Abuja.
Read their storyFitCircle
Gym memberships, class packs, and trainer plans renew on Subby: fewer silent drop-offs, clearer active members.
Read their storyWellahealth
Thousands of small recurring healthcare premiums, with automated retries, reminders, and a dashboard built for volume.
Read their storySwank Laundry
With Subby, Swank transformed everyday laundry into simple prepaid subscriptions, making payments easier for customers and revenue more predictable for the business.
Read their storyAxle Logistics
Multi-market 3PL retainers on one billing layer. Axle expands routes without reinventing finance ops.
Read their storyMODE Logistics
MODE replaced manual billing cycles with Subby: fewer disputes, faster collections, clearer margins on recurring lanes.
Read their storyGreen Mile Meals
Office lunch subscriptions and family weekly plans on one recurring stack for kitchens, drivers, and finance.
Read their storyHey Kara
Three services, three different workflows, one recurring payment infrastructure. Hey Kara bills meal plans, laundry, and cleaning from a single platform in Uyo.
Read their storyLunch Park
From Campus Vibe to Boss Mode, Lunch Park runs tiered meal subscriptions on Subby with duration discounts and a clear per-meal food budget.
Read their storySpring Cleaners
Households, estates, and businesses pay for waste collection on a schedule. Subby ties every pickup route to a payment rate and keeps collections on track.
Read their storyTheir side of Subby is an app they'll actually open
Every subscription in one place, a heads-up before money leaves, and an end to the "who's paying for the family plan this month?" conversation. Your customers manage their own plans — which means fewer support calls for you.
- All subscriptions in one place
- A heads-up before money leaves
- Split shared plans with family
- Airtime, data, and bills in-app
The recurring payment OS for people and businesses
If your business collects payments on a schedule, we’re building for you
The same goes if you’re building a product that needs recurring payments.
- Set up in minutes
- Build with our API and sandbox
- Manage recurring revenue from one platform