Take Full Control of Your Finances with Aperta Chuma
Effortlessly create invoices in Kwacha or USD, receive payments via MTN & Airtel Mobile Money, and generate tax-ready reports for your business.
✓ No Credit Card Needed • ✓ Fast 2-Minute Setup • ✓ Cancel Anytime
Designed for the Zambian Market
Why Business Owners Choose Aperta Chuma
Smart bookkeeping crafted specifically for business realities in Lusaka, Copperbelt, and across Zambia.
Kwacha & USD Billing
Quote and invoice in ZMW or USD seamlessly with automatic currency formatting and exchange rate tracking.
Mobile Money Integration
Accept instant invoice payments directly through MTN Mobile Money, Airtel Money, and Zamtel.
ZRA & TPIN Tax Ready
Include your TPIN automatically on invoices, calculate VAT correctly, and export tax reports with ease.
WhatsApp Invoicing
Share professional PDF invoices and send friendly payment reminders directly to your clients' WhatsApp.
Smart Bookkeeping Suite
All-in-One Financial Management
Send Invoices in Seconds
Customize estimates and invoices with your company details, TPIN, logo, and payment links.
- ✓ PDF download & instant WhatsApp sharing
- ✓ Multi-currency support (ZMW & USD)
- ✓ Automated payment follow-up notifications
INVOICE #AC-2026-089
Aperta Chuma Client • TPIN: 1004829102
Easy Setup
Get Started in 3 Simple Steps
Create Account
Sign up in two minutes with your business name and logo.
Issue Invoices
Send professionally formatted invoices directly via WhatsApp or PDF.
Receive Payments
Get paid instantly through Mobile Money or bank deposits.
Transparent Pricing
Flexible Plans for Every Business
Simple Kwacha billing. No credit card required for 14-day trial.
Starter
For freelancers and sole traders.
- ✓ Up to 30 Invoices / Month
- ✓ ZMW & USD Support
- ✓ WhatsApp PDF Sharing
Business
For growing small & medium enterprises.
- ✓ Unlimited Invoices
- ✓ Mobile Money Settlement Sync
- ✓ ZRA TPIN & VAT Reports
- ✓ Up to 3 Staff Accounts
Enterprise
For larger corporations and multi-branches.
- ✓ Everything in Business
- ✓ Unlimited Staff Accounts
- ✓ Dedicated Support Manager
Frequently Asked Questions
Got Questions About Aperta Chuma?
Can I use Aperta Chuma on my mobile phone? +
Yes! Aperta Chuma is fully responsive and optimized for mobile devices, laptops, and tablets across all network speeds.
Does Aperta Chuma support Mobile Money payments? +
Yes, clients can settle invoices using MTN Mobile Money, Airtel Money, and Zamtel.
Can I include my TPIN number on my invoices? +
Absolutely. You can add your business TPIN and toggle VAT calculations on or off depending on your tax category.