All your corporate spend.
Zero friction.
Mobile Money, cash, bank transfer, card, USSD, QR code: unified. Automatic policies, AI-powered reconciliation, SYSCOHADA close in 2 days instead of 10.
FRiQ is your money, better managed — across every payment method, from MoMo to bank transfer, with workflows and accounting built in.
FRiQ in 60 seconds
From a receipt snapped on WhatsApp to a SYSCOHADA entry approved by the CFO — the whole platform in one minute.
0:60FRiQ — the platform in actionWatch the full demoOne platform, six modules.
Cards, Mobile Money, invoices, travel, procurement and accounting — all connected, no re-keying.
Corporate Mobile Money
MTN / Orange wallets, 5 SYSCOHADA flows, auto reconciliation.
DiscoverExpenses & Cards
AI receipt capture → coding → routed approval.
DiscoverSuppliers & Procurement
Self-service portal, AI quoting, 3-way match, KYB.
DiscoverBill Pay
Supplier invoices, Textract OCR, approval, payment.
DiscoverTravel & eSIM
IATA bookings, per diem, built-in eSIM in 150+ countries.
DiscoverOHADA Accounting
SYSCOHADA chart, 99.2% AI, ERP sync, 10-year audit.
DiscoverA complete platform for
your financial management
Travel, expenses, cards, Mobile Money, Bill Pay, suppliers, procurement, OHADA accounting and eSIM — all integrated, powered by AI.
Business Travel & Missions
Book flights, hotels, trains, buses, Uber and rental cars — all automatically compliant with your travel policy. Manage mission orders, per diem, budgets and expense reports from start to finish.
Expenses & Corporate Cards
Issue virtual and physical Visa cards with dynamic spending limits. Every transaction AI-categorized with real-time off-policy alerts. Digitized expense reports and automated reimbursements.
Corporate Mobile Money
Integrate MTN MoMo Corporate and Orange Money Business as native payment methods. Make B2B payments, collect funds, track balances and automatically reconcile every transaction — without leaving Friq.
Bill Pay — Invoice payment
Receive supplier invoices via WhatsApp, email or scan. AI extracts amounts, supplier, VAT and invoice number. Launch multi-level approval workflows and pay by bank transfer or MoMo B2B — fully traceable and archived.
Suppliers & Procurement
Manage your supplier directory with self-service portal and KYC compliance. Digitize your purchase requests and purchase orders with a complete intake-to-procure workflow: from request to receipt, every step is traceable.
OHADA Accounting
Pre-configured SYSCOHADA chart of accounts. Every transaction automatically coded and synced with Sage SAARI or Odoo. Smart bank reconciliation and monthly close in 2 days instead of 10.
eSIM — Connectivity on the go
Provide eSIM cards to your employees to stay connected in 150+ countries — without excessive roaming fees. Assign by mission or employee, track data usage in real time and save up to 72% vs standard roaming.
From 10 days to 10 clicks
FRiQ's AI analyses your documents, categorizes your transactions and eliminates manual entry. Your monthly close goes from 10 painful days to 10 clicks.
Living budgets.
Not frozen in a spreadsheet.
Allocate, track and alert in real time. The CFO sees every expense hit the budget instantly.
Periodic budgets + multi-year programs
Annual / quarterly / monthly budgets per department. Multi-year programs (construction sites, IT projects, restructurings) tracked over 1-5 years.
- Top-down or bottom-upCEO sets & enforces · or managers propose, CFO decides
- Alerts at 50 / 80 / 95%WhatsApp + email · automatic escalation at 100%
- Multi-year programsGoals, milestones, governance, risk register over 1–5 years
- Ready-to-use sector templatesConstruction, agri, events, banking, telecom · activate in 5 min
WhatsApp, USSD, QR code.
The way your teams already pay.
Smartphone, feature phone or no data network — your team can submit, approve and pay.
WhatsApp Business built in
Your employees do 80% of FRiQ operations right inside WhatsApp. Approvals, submissions, notifications — without opening the web app.
12:32
- Receipt photo directly in chatAI OCR on the spot, auto-submit · 15 sec
- Keyword approvalType 1 = approve, 2 = reject · or inline buttons
- WhatsApp → SMS → email cascadeAutomatic fallback based on network and channel preference
- OTP login for feature phonesWhatsApp Business API via official 360dialog / Infobip
Corporate USSD & QR code
Pay a supplier or an employee even without a smartphone, data or wifi. Every feature phone supports USSD — even the most basic Nokia.
1. Wallet balance
2. Pay supplier
3. Last tx receipt
Type 1, 2 or 3...
- USSD *237*FRiQ# all operatorsBalance, payment, receipt · MTN + Orange + Yoomee · 30 sec
- QR checkout scan = payment5 sec, merchant-generated code, HMAC-signed
- Redis session anti-replayTTL 180s, anti-duplicate tx · GIMAC + BCEAO N°008 compliant
- Feature phone Nokia 3310 OKNo smartphone required · works in data-free zones
Automatic AI reconciliation.
AI reads your receipts, codes your entries, matches your bank statements with your MoMo payments, and flags anomalies — while you sleep.
Receipt photo → merchant, amount, VAT, date, invoice # extracted in 3 sec.
Class 6 account, journal, 19.25% VAT, cost center — learns from your corrections.
Invoices ↔ Purchase orders ↔ Delivery notes + bank / MoMo statement.
Auto pre-close. The CFO validates in 10 clicks what used to take 10 days.
Duplicate invoices, out-of-policy expenses, unusual amounts, fraud risks.
The AI pipeline in action
From receipt photo to approved entry — 6 automatic steps.
Built for your reality.
Native Mobile Money, multi-entity FCFA/EUR, WhatsApp + USSD, ISO 27001, offline-first.
Receipt reading, coding, 3-way matching. Zero data entry.
End-to-end automation — from capture to ledger.
Network outage? Your operations are queued and replayed.
MTN MoMo + Orange Money integrated B2B + USSD + QR.
Invoices + receipts + approvals straight from chat.
FCFA BEAC, XOF, EUR — unified entities.
ISO 27001. E2E encryption, 10-year OHADA audit trail.
Sage SAARI, Odoo, SAP — two-way sync.
A solution for every company size.
For SMEs
Digitize your finances without an IT team. Guided setup, OHADA templates, deployment in 48h.
Explore SMEsFor Large Enterprises
Multi-entity, advanced ERP, procurement, granular controls, CEMAC/UEMOA compliance.
Explore EnterpriseGet started in 3 steps.
Create your account
Sign up in 2 minutes. Simplified KYC/KYB for African companies.
Set your rules
Policies, approvers, chart of accounts, suppliers — fully configurable.
Launch your teams
Issue cards, set up your MoMo wallets, invite your colleagues.
They freed their friq.
CFOs, CEOs, accountants, travel managers — here's why 500+ African companies chose FRiQ.
"Our monthly close went from 12 days to 2. AI codes 99% of our entries without us touching the keyboard. My 3 accountants do 2× more with the same team."
Before FRiQ, we reconciled MoMo and bank statements by hand. Now everything lines up on its own, and the CFO approves in 10 clicks what used to take 10 days.
"WhatsApp to approve expenses is what I'd wanted for 5 years. My teams on assignment in Chad send me their receipts as photos, I tap «1» and it's approved. Game changer."
"USSD to pay my construction workers who don't own a smartphone — that's the feature that made me sign. No more cash to carry to the sites. Zero theft in 8 months."
"My sales teams run 8 trips a month Dakar-Bamako-Cotonou. Flight + hotel + per diem + virtual card: a single flow. I used to lose 4h a week on this. Now 15 minutes."
"Automatic SYSCOHADA coding saves me 6h a week. The AI suggests the right account 99% of the time, I fix the exceptions in 1 click. Flawless two-way Sage SAARI sync."
"Supplier marketplace: in 2 days I found a new office-supplies vendor for 12 sites across CEMAC, KYB verified, scored 8.7/10 by 14 other FRiQ companies. Without FRiQ it would have taken 3 weeks of prospecting."
Ready to switch to FRiQ?
Join 500+ African companies that simplified the way they manage their friq.