Expense management software for organisations in Nigeria, Ghana, Côte d'Ivoire, Senegal and across West Africa.
One approval trail, whatever the country, the currency or the e-invoice.
West African tax authorities are moving invoices online: the NRS Merchant-Buyer Solution in Nigeria, E-VAT in Ghana, the FNE in Côte d'Ivoire, certified invoices in Benin, Niger and Burkina Faso. Creodata keeps that evidence with each request, routes it through your approval chain and posts it to Business Central.
Expense evidence and payments, country by country.
What a finance team needs to know before it chooses an expense management system: how organisations pay, the tax invoice that supports an expense, and the data protection law. The eight UEMOA countries share the CFA franc (XOF), the BCEAO and its PI-SPI instant payment platform.
| Country | Currency | How organisations pay | Tax invoicing | Data protection | Languages |
|---|---|---|---|---|---|
| NigeriaCountry page | NGN | NIBSS Instant Payment (NIP); wallets such as OPay, PalmPay, Moniepoint | NRS Merchant-Buyer Solution (MBS), large taxpayers first | Nigeria Data Protection Act 2023; NDPC | English |
| GhanaCountry page | GHS | GhIPSS Instant Pay; MTN MoMo, Telecel Cash, AT Money | GRA E-VAT, phased; VAT Act 2025 (Act 1151) from 1 January 2026 | Data Protection Act 2012 (Act 843); Data Protection Commission | English |
| Côte d'IvoireCountry page | XOF | Orange Money, MTN MoMo, Moov Money, Wave; PI-SPI | DGI FNE, mandatory for all companies since 1 December 2025 | Loi n° 2013-450; ARTCI | French |
| SenegalCountry page | XOF | Wave, Orange Money, Free Money; PI-SPI | E-invoicing provided for by the 2025 Finance Law; DGID roll-out in progress | Loi n° 2008-12; CDP | French |
| Mali | XOF | Orange Money, Moov Money, Wave, Sama Money; PI-SPI | Secured standardised invoice (facture normalisée) | Loi n° 2013-015; APDP | French widely used in business |
| Burkina Faso | XOF | Orange Money, Moov Money, Wave, Telecel Money; PI-SPI | Certified e-invoice (FEC) via SECeF from 6 January 2026, large and medium companies first | Loi n° 001-2021/AN; CIL | French widely used in business |
| Niger | XOF | Airtel Money, Moov Money, Zamani Cash; PI-SPI | Certified invoice (SECeF), mandatory for VAT payers since 1 September 2021 | Loi n° 2017-28 (amended 2019); HAPDP | French widely used in business |
| Benin | XOF | MTN MoMo, Moov Money, Celtiis Cash; PI-SPI | Standardised invoice via MECeF / e-MECeF, all taxpayers since 1 July 2021 | Code du numérique (Loi n° 2017-20), Book V; APDP | French |
| Togo | XOF | Mixx by Yas (formerly T-Money), Flooz; PI-SPI | OTR standardised invoice; certified e-invoice introduced by the 2026 Finance Law | Loi n° 2019-014; IPDCP | French |
| Guinea-Bissau | XOF | Orange Money; PI-SPI | VAT since 1 January 2025; no e-invoicing found | No national law found; ECOWAS Supplementary Act applies regionally | Portuguese |
| Guinea | GNF | Orange Money, MTN MoMo; BCRG national switch; NimbaPay instant payments since July 2026 | No standardised or electronic invoicing scheme found | Loi L/2016/037/AN; authority not yet confirmed | French |
| Sierra Leone | SLE | Orange Money, Afrimoney; Bank of Sierra Leone national switch | NRA electronic cash registers for GST-registered businesses | No law in force; a 2025 bill has been validated | English |
| Liberia | LRD; USD also legal tender | MTN MoMo, Orange Money; real-time mobile money link since December 2025 | No e-invoicing found | Data protection act enacted in 2026 | English |
| The Gambia | GMD | Wave, QMoney, Afrimoney; GamSwitch and BANTABA 2.0 | E-invoicing regulation approved by Cabinet in June 2026; no start date | Personal Data Protection and Privacy Act 2025 | English |
| Cabo Verde | CVE | Vinti4 card network (SISP); banks | Mandatory e-invoicing (e-Fatura) | Law 133/V/2001 (amended 2013, 2021); CNPD | Portuguese |
| Mauritania | MRU | Bank wallets Bankily, Masrvi, Sedad | No e-invoicing scheme found | Loi n° 2017-020; APD | Arabic |
Checked against published sources on 29 September 2026; not tax or legal advice. "Not found" means our search found no scheme or law, not that none exists. Creodata keeps tax documents with each request; it does not connect to or validate against any tax authority's system.
The same finance controls in every West African country.
Whatever the country, internal audit, the tax authority and donors ask the same questions of every payment. Each control maps to a capability of the expense management system.
Apply the delegated authority in your approval policy
Each supplier invoice, petty cash or cashbook payment routes through the chain set for its department and request type, for example Head of Department, Finance Reviewer and CFO, with an amount threshold deciding how requests are split.
Separate who asks, who approves and who pays
Submitter, Approver, Finance Reviewer, CFO and Admin are distinct roles with their own queues, and every user signs in through Microsoft Entra ID.
Keep the tax invoice behind every claimed expense
Every invoice and receipt is attached to its request and stored in SharePoint Online, linked to the approval and the ledger entry. Finance can require the e-invoice or standardised invoice document before a request is approved. The system keeps the document; it does not connect to or validate against the tax authority's system.
Pay only what was approved
Payment follows final approval. M-Pesa B2C and B2B payment is built in for Kenya. Paying out over mobile money, PI-SPI, NIP, GhIPSS or your bank is an integration we scope with each organisation; approvals, documents and posting work the same either way.
Approvals within agreed timelines
Durable orchestration watches every pending approval and escalates overdue items to the next approver, recording the escalation against the request.
Books that match what was approved and paid
Approved items post to Microsoft Dynamics 365 Business Central over OData with their SharePoint documents linked, so nobody re-keys a voucher.
This maps software capability to common finance controls; it is not audit or tax advice. M-Pesa payment is built in for Kenya; other payment rails and ERPs are confirmed per organisation during scoping.
For West African organisations that must prove every payment.
Expense management earns its place where a missing approval or tax invoice becomes an audit finding.
Internal expense and supplier payments at West African banks and financial institutions, under delegated authority and maker-checker, with evidence auditors accept.
Programme and field payments in West Africa, each traceable to its approval and its documents for donor audits.
Office payments and disbursements authorised and documented before money leaves.
Different chains per department and request type, one audit trail across the organisation.
Guides and pages for finance teams in West Africa.
Frequently asked questions.
Which West African countries does Creodata's expense management system serve?
The system runs on Microsoft Azure and serves organisations across West Africa. Nigeria, Ghana, Côte d'Ivoire and Senegal have their own pages, and the table above covers twelve more countries, from Mali and Burkina Faso to Sierra Leone, Cabo Verde and Mauritania.
Does it integrate with e-invoicing platforms such as the MBS, E-VAT or the FNE?
No. The system does not connect to any tax authority's system or validate invoices. It keeps the e-invoice or standardised invoice with each request, and finance can make that document a condition of approval.
Which payment methods are supported in West Africa?
M-Pesa B2C and B2B payment is built in for Kenya. In West Africa, payment over mobile money, PI-SPI, NIP, GhIPSS or your bank is an integration we scope with each organisation. Approvals, documents and Business Central posting work unchanged.
Is the website available in French and Portuguese?
Yes. The product pages are available in French, Portuguese and Arabic as well as English, and we can take you through the system in French. Confirm the languages your users need in the application itself during scoping.
Which ERP does it post to?
Approved items post to Microsoft Dynamics 365 Business Central over OData with their documents linked. For any other ERP, we confirm the integration path during scoping.
How much does expense management software cost in West Africa?
We quote per organisation. The price depends on the number of users and entities, the request types and approval chains you need, and the integrations involved. Ask every vendor for a three-year total cost on the same basis, covering licences, implementation, payment and ERP integration, hosting and support, so the quotes can be compared.
See a payment move from request to approved, paid and posted, for your West African organisation.
Your approval matrix and your request types, in a live demo of the expense management system.