The AI business assistant for South African SMMEs.

Why Stoki exists

Most South African SMMEs juggle three or four tools to run a business — a card reader for payments, a spreadsheet for stock, WhatsApp to chase customers who owe them money, and an accountant to make sense of it all at year-end. Each tool is priced for a different audience, built somewhere else, and speaks a language that doesn't quite fit the SA economy.

Stoki collapses all of that into one app — from the till through the books to the tax return — and adds an AI advisor that knows what SARB just did to your customers' spending, when the next fuel-price change lands, and how close you are to the VAT-registration threshold.

Who we serve

Every kind of South African small business — not just retail, not just spaza. If you take money from customers and pay money to suppliers, Stoki is built for you:

• Informal traders — spaza shops, general dealers, food stalls, street vendors
• Service businesses — salons, transport operators, tradespeople, contractors, consultants, mobile operators
• Formal SMMEs — growing businesses with staff, VAT-registered, working with an accountant

What makes us different

• WhatsApp-native — sell, invoice, ask questions right from the app your customers already message you on.
• AI that knows the SA economy — SARB rates, fuel prices, SARS deadlines, load-shedding, competitor tracking, SASSA pay-days. Every insight grounded in your numbers and the local market.
• Adapts to how you talk — pick kasi, plain English, professional, or full-accounting technical. One setting, whole app adjusts.
• Offline-first— keep trading through load-shedding and dropped Wi-Fi. Sales queue locally and sync when you're back online.
• Built for SA compliance — VAT201, PAYE, UIF, SDL, EMP201 are first-class, not afterthoughts you buy as add-ons.
• SA-native pricing — billed in Rand, via a South African payment provider. No forex fees.

Where we're based

Stoki is a registered South African company — Stoki (Pty) Ltd, registration number K2026258855.

Contact

• General enquiries: hello@stokiapp.com
• Product support: support@stokiapp.com
• LinkedIn: linkedin.com/company/stokiapp
• Privacy questions: see our POPIA-aligned privacy notice