"Before Kawona, I had four cars out to drivers and no idea what each one actually owed me. Now I open the app and see everything in one place. It has changed my life."
Built for every Ghanaian car owner
Track Every Payment. Reduce Defaults. Grow Your Fleet With Confidence.
The operating system for vehicle owners, work-and-pay businesses, and transport fleets across Ghana. Know exactly what every driver owes you — and have the reports to prove it.
No credit card needed
Set up in 5 minutes
Cancel anytime
₵84,500
Total Collected
₵1.2M
W&P Receivables
18
Active Operators
3.2%
Default Rate
Operator Payments This Week
K
Kofi Mensah
Toyota Corolla · Work & Pay
68%Paid
A
Abena Owusu
Honda Civic · Rental
₵350Due
Y
Yaw Asante
Toyota HiAce · Work & Pay
22%Default
The problem
Running your cars on WhatsApp & exercise books is costing you
Whether your drivers are on Work and Pay, daily sales, weekly or monthly arrangements — most car owners in Ghana are still tracking payments in a notebook. It works, until it doesn't.
No real-time visibility
You have no idea who has paid, who is behind, or how much is outstanding — until you manually chase every driver.
Defaults go unnoticed
By the time you realise a driver is 4 weeks behind, the damage is done. A notebook cannot send you an alert.
Payment disputes
"I paid already!" — without proper records, disputes damage driver relationships and your reputation.
No financial picture
Can you show a P&L or a receivables report? Without one, you are flying blind — with investors and the taxman.
Every arrangement, one platform
Work and Pay or daily sales — Kawona handles both
It doesn't matter how you've agreed to be paid. Tag each vehicle and the platform tracks the right way automatically — no manual switching, no separate spreadsheets.
Ownership track
Work and Pay
The driver is working toward owning the vehicle. Kawona calculates weekly payments, shows a live countdown bar, and flags shortfalls the moment they happen.
- Total priceSet the on-road cost and total repayment amount
- Weekly amountCalculated automatically from contract length
- Progress barLive ownership countdown — week by week
- Ownership transferDVLA documentation when complete
Stays your vehicle
Daily, Weekly or Monthly Sales
The vehicle stays yours — no ownership transfer, no end date. Set a daily, weekly, or monthly target per driver and track what's collected, what's due, and what's outstanding.
- Daily salesSet a daily target — Kawona tracks it every day
- Weekly rentalSunday payment tracking with shortfall alerts
- MonthlyMonthly target with running collection total
- No end dateRuns indefinitely for as long as you choose
See the product
The software your fleet has been waiting for
Every view your fleet needs — from daily payment status to your full balance sheet — in one platform built for Ghana's car owners.
Total Revenue
₵84,500
↑ 8.2% vs last week
Active Vehicles
18
⚠ 2 need attention
Active Defaults
2
₵1,200 at risk
Outstanding Balance
₵12,800
↓ 3.5% vs last week
Vehicle Payment Status — This Week
| Driver | Vehicle | Contract | Due | Status | |
|---|---|---|---|---|---|
Kofi Mensah +233 24 XXX XXXX | Toyota Corolla GH-1234-24 | Work & Pay · Wk 38/56 | ₵400 | Paid | View |
Abena Owusu +233 50 XXX XXXX | Honda Civic GH-5678-24 | Daily Rental | ₵350 | Due | Remind |
Yaw Asante +233 27 XXX XXXX | Toyota HiAce GH-9012-23 | Work & Pay · Wk 14/74 | ₵1,200 | Default | Alert |
Efua Darko +233 55 XXX XXXX | Nissan Urvan GH-3456-24 | Weekly Rental | ₵800 | Paid | View |
Bright Amoah +233 20 XXX XXXX | Kia Picanto GH-7890-24 | Work & Pay · Wk 28/74 | ₵400 | Paid | View |
Drivers › Kofi Mensah
K
Kofi Mensah
Toyota Corolla · GH-1234-24
National IDGHA-004-XXXX
Phone+233 24 XXX
Started6 Jan 2026
TypeWork & Pay
Status✓ On Track
Work and Pay — Ownership Progress
68% Complete
Week 38 of 56
18 weeks remaining
Started: Jan 2026Est. completion: Oct 2026
₵22,400
Total Contract
₵15,200
Collected
₵7,200
Outstanding
Recent Payments
| Week | Date | Amount | Status |
|---|---|---|---|
| Wk 38 | 16 Jun | ₵400 | Paid on time |
| Wk 37 | 9 Jun | ₵400 | Paid on time |
| Wk 36 | 2 Jun | ₵200 | Partial · ₵200 short |
| Wk 35 | 26 May | ₵400 | Paid on time |
Income
HP / Work & Pay Collections₵67,200
Rental & Daily Sales₵17,300
Total Revenue₵84,500
Operating Costs
Vehicle Maintenance₵8,400
Insurance Premiums₵6,200
Admin & Operations₵7,800
Total Costs₵22,400
Net Profit
₵62,10073.5% margin
Revenue Split
HP Collections79.5%
Rental / Daily Sales20.5%
Month on Month
Revenue growth+8.2%
Cost change-2.1%
Profit change+11.4%
Platform features
Everything you need to run a tight vehicle business
Kawona brings your entire operation onto one platform — Work and Pay, daily sales, weekly, monthly, or any mix — from your first car to a fleet of 200.
Core
Collections tracking
Log every payment in seconds — daily sales, weekly target, monthly amount, or Work and Pay instalment. Track who's paid, who's due, and who's in default per driver and per car.
Core
Fleet management
Register every vehicle and choose how it's arranged. Set the target once and Kawona tracks performance against it automatically — Work and Pay, daily, weekly, or monthly.
Core
Driver profiles
Full records per driver — national ID, licence, contract start date, and a live progress bar. Work and Pay drivers show ownership progress; rental drivers show running collections total.
Protection
Default & risk alerts
Drivers are automatically flagged as "Watch" or "At Risk" when defaults accumulate. You act early — not weeks after the money is gone.
Finance
Financial reports
Generate a full P&L, Balance Sheet, and Loan Book report with one click — PDF or CSV, ready for your accountant, your bank, or your investors.
Finance
C&P Fund management
Track each driver's Contribution & Protection fund contributions, disbursements, and balance — kept separate from their weekly payments.
Finance
Expense tracking
Log fleet expenses by category — maintenance, fuel, insurance, repairs — linked to specific vehicles so you know the true cost of each asset.
W&P
Contract countdown
For Work and Pay: a live countdown to ownership completion. For daily, weekly, or monthly arrangements: a running total against your target with no end date.
Teams
Secure & role-based
Admin, Collections Officer, and Super Admin roles with separate access levels — your team sees only what they need to. Full audit trail on every action.
How it works
Up and running in under 5 minutes
No training required. If you can use WhatsApp, you can use Kawona. Set it once and the dashboard does the rest — daily, weekly, monthly, or Work and Pay.
Step 1
Add your vehicles
Register each car and choose the arrangement — Work and Pay, or daily, weekly, or monthly sales. Set the target or contract details once.
Step 2
Link your drivers
Add each driver with their personal details, national ID, contract start date, and the vehicle they are responsible for.
Step 3
Track & collect
Log collections as they come in. Your dashboard, reports, and default alerts update instantly — every single payment, every week.
Works on any phone — no app download needed
MoMo-friendly — log Mobile Money payments instantly
30-day free trial — no card, no commitment
Who it's for
Built for every scale of vehicle business
Whether you have one car you give out daily or fifty vehicles across different arrangements, Kawona grows with you — no ceiling, no complexity.
1 – 4 vehicles
Individual car owners
You own 1–4 cars and give them out to drivers — daily, weekly, monthly, or Work and Pay. You're tired of chasing payments on WhatsApp and tracking money in a notebook.
- Know exactly who has paid this week
- Get alerted the moment a driver defaults
- Print a proper payment statement for disputes
- See your real profit margin per vehicle
5 – 10 vehicles
Small fleet agencies
You run 5–10 vehicles across different arrangements — some Work and Pay, some on daily or weekly targets — with someone helping you with collections.
- Multi-user roles — admin and collections officer
- Portfolio-wide P&L and Balance Sheet
- Driver risk monitoring — Watch, At Risk flags
- Expenses tracked and linked per vehicle
10+ vehicles · No ceiling
Organisations & cooperatives
You manage 10, 20, 50 vehicles or more — a mix of Work and Pay, daily, weekly, and monthly arrangements, possibly with investor-backed assets.
- Investor management and ROI tracking
- Full audit trail on every transaction
- Unlimited vehicles — Pro plan has no cap
- Marketplace listings for available vehicles
Simple pricing
Pay for what you use. Nothing more.
All plans include a 30-day free trial. No credit card required. Cancel anytime.
Monthly
Annual Save ~17%
Starter
1 – 4 Vehicles
For individual owners getting started.
₵100
/month
Billed monthly
- Up to 4 vehicles & drivers
- Daily, weekly, monthly or Work and Pay
- Default alerts & risk flags
- Driver payment statements (PDF)
- Basic P&L & collections report
- Expense tracking
- Mobile-friendly — no app needed
30-day free trial · No card needed
Most popular
Growth
5 – 9 Vehicles
For agencies running a small collections team.
₵300
/month
Billed monthly
- Up to 9 vehicles & drivers
- Everything in Starter, plus:
- Multi-user roles (admin + team)
- Full P&L, Balance Sheet & reports
- C&P Fund management
- Contract weeks progress tracking
- CSV & PDF export for all reports
- Investor records
30-day free trial · No card needed
Pro
10+ Vehicles
For growing fleets with no ceiling.
₵500
/month
Billed monthly
- Unlimited vehicles & drivers
- Everything in Growth, plus:
- Driver pool & vehicle assignment
- Insurance management & claims
- Telematics & trip records
- Marketplace vehicle listings
- Full audit log
30-day free trial · No card needed
Customer stories
Trusted by car owners across Ghana
From individual car owners in Kumasi to fleet cooperatives in Tema — here's what they say after switching from notebooks and WhatsApp.
"The weekly payment tracking is perfect. I can see each driver's progress from week 1 to the end of their contract. Even my investors are impressed when I show them the reports."
"We were losing money on defaults we didn't even notice. With the risk alerts, we caught two drivers who were 5 weeks behind early enough to sort it out. Very good system."
Kawona blog
Guides for Ghana's car owners
Practical articles on tracking payments, reducing defaults, and growing your vehicle business — written specifically for the Ghanaian market.
Fleet Management
Why 73% of Work and Pay Operators Default — And How to Stop It
Most defaults happen in weeks 6 to 10. Here is the exact pattern, why it happens, and the system that keeps your default rate below 8%.
Read article
Car Owners
Daily Sales vs Work and Pay: Which Is More Profitable for Ghana Car Owners?
The maths most car owners never do. We break down the real numbers so you can decide which model fits your car and your lifestyle.
Read article
Payments
The Real Cost of One Missed Driver Payment — And What to Do Immediately
A single missed Sunday can cascade into a full default within 8 weeks. Here is the exact 72-hour response process that recovers it.
Read articleFree resource
Get the Free Vehicle Business Toolkit
Three ready-to-use documents trusted by car owners and fleet managers across Accra, Kumasi, and Tema. Yours free — sent directly to your WhatsApp.
Work & Pay Agreement Template
A proper HP contract you can fill in and sign with any driver — for motorcycles, tricycles, or cars.
Driver Registration Form
Capture national ID, guarantor details, licence number, and contract terms before you hand over any keys.
Weekly Payment Tracker (Excel)
Pre-built spreadsheet for tracking payments, shortfalls, and default flags across up to 10 vehicles.
Send Me the Free Toolkit
Enter your name and WhatsApp number and we'll send all three documents directly to you — no email, no spam, just the files.
On its way!
Check your WhatsApp — we're sending all three documents now. While you wait, start your free 30-day trial on Kawona.
Start Free Trial →FAQ
Questions we hear all the time
Everything you need to know before you start. Can't find your answer? Chat with us on WhatsApp →
You get full access to your chosen plan's features for 30 days — no credit card required. Add your real vehicles and drivers and start tracking actual payments straight away. If you decide not to continue, your data is saved for a further 30 days after the trial ends in case you change your mind.
Subscriptions can be paid by MTN Mobile Money, Vodafone Cash, AirtelTigo Money, or bank transfer. On Growth and Pro plans, you can also connect MTN MoMo to detect driver payments automatically — so you don't have to log them manually.
Yes. Kawona works directly in your phone's browser — no app store download needed. Open it in Chrome or Safari on Android or iPhone, tap the share button, and add it to your home screen. It opens just like an app every time.
When you add a vehicle, you choose the arrangement and set the target amount and frequency. For Work and Pay, Kawona calculates weekly payments and shows an ownership countdown. For daily, weekly, or monthly sales, Kawona tracks collections against your target with no end date — and flags any shortfall automatically.
Your data is encrypted and backed up daily on secure servers. If you cancel your subscription, your records are kept for 30 days in case you want to reactivate. After that, they are permanently deleted on request. You can export all your data at any time as a CSV or PDF.
Yes, on Growth and Pro plans. You can invite team members and assign them roles — Admin, Collections Officer, or Super Admin — so each person only sees and edits what's relevant to them. The Starter plan is for a single user.
The Starter plan supports up to 4 vehicles, Growth up to 9. The Pro plan has no ceiling — whether you have 20 vehicles or 200, Kawona handles it. If you need custom onboarding, a dedicated account manager, or API access, contact us on WhatsApp and we will set that up for you.