Bumpa review: African pricing & payments

Key takeaways

• Bumpa is priced in naira: Starter is ₦15,000 a quarter (about ₦5,000 a month, or $3.76) and Pro is ₦30,000 a quarter. There's no monthly billing.
• There's no free plan, only a 14-day trial. When a subscription lapses, your website link stops working.
• Online payments through your Bumpa store carry a transaction fee, which Bumpa listed at 1.5% in January 2025.
• Bumpa works for merchants in Nigeria and, since June 2026, Kenya, where customers can pay with M-Pesa. Ghanaian and South African sellers can't receive payouts.
• BizStack Africa rates Bumpa 3.5 / 5.0: good, with caveats. For Nigerian sellers alone, it would rate higher.

If you sell on Instagram or WhatsApp in Nigeria, Bumpa is the most complete shop app you can pay for in naira, and at ₦5,000 a month it costs a fraction of Shopify. Kenyan sellers can now use it too, with M-Pesa at checkout. If you're in Ghana, South Africa or elsewhere on the continent, skip it for now, because Bumpa can't pay out your sales there. We rate it 3.5 / 5.0. That rating is for Africa as a whole; read as a Nigerian-only tool, it would sit closer to 4.

Bumpa is a business app for small sellers. It combines an online store, inventory, orders, invoices, payments, a point-of-sale app and customer messaging in one place. It's built in Lagos by the team behind SalesCabal, which relaunched as Bumpa in February 2021, and co-founder and CEO Kelvin Umechukwu calls it "Shopify for Africa". It raised a $4 million seed round led by Base10 Partners in 2022.

Verdict: Good, with caveats · 3.5 / 5.0

• Best for: Nigerian and Kenyan small businesses that sell through social media, a website and in person, and want one app to run it all.
• Skip it if: You're in Ghana, South Africa, Rwanda, Egypt or Uganda, or you only need a simple product page.
• Price: 14-day trial · Starter ₦15,000/quarter (≈ $11.27) · Pro ₦30,000/quarter (≈ $22.54)
• Paying from Africa: Naira billing by card, bank transfer or Bumpa Wallet in Nigeria. Kenyan pricing isn't published.
• Availability: Nigeria and Kenya. Not available for merchants in Ghana or South Africa; we found no evidence of support in Rwanda, Egypt or Uganda.

What is Bumpa, and what is it good at?

Picture a fashion seller in Yaba with 2,000 Instagram followers, orders arriving in DMs, stock in a notebook and payments scattered across three bank apps. Bumpa is built for exactly that person.

In one app, she gets:

• A store website with SSL, payments and a link she can drop in her Instagram bio. Pro includes a free .com.ng domain (renewal not included).
• Inventory and orders, including sales made in person, so stock counts stay right when someone walks in and pays cash.
• Invoices and receipts she can send on WhatsApp.
• Payments: card, bank transfer, USSD and QR code at checkout, plus Bumpa Terminal for in-person transfers and a Bumpa Wallet.
• A point-of-sale app for a physical shop. The 14-day trial doesn't include it.
• Customer messaging and marketing, including SMS and email campaigns and automated order confirmations.

That bundle is the point. Shopify can do more, but it doesn't handle Nigerian payment methods natively. A free payment link from Paystack takes money but won't track stock. Bumpa sits in the middle, and it's priced for a business turning over hundreds of thousands of naira a month, not millions.

Sellers seem to agree. Bumpa has a 4.3-star rating from about 2,500 reviews on Google Play and more than 100,000 downloads. An August 2026 reviewer called it "very easy to set up", praised the human customer service and found it more affordable than Shopify.

How much does Bumpa cost?

Bumpa prices its plans in naira and bills quarterly, every six months or yearly. There's no monthly plan, so the smallest payment is three months upfront.

Plan	Billing	Nigeria (₦)	≈ USD	≈ Kenya (KSh)	Ghana / South Africa	What you get
Starter	Quarterly	15,000 (≈ 5,000/month)	$11.27	1,463	Not available	1 location, no staff accounts, website, inventory, invoices
Pro	Quarterly	30,000 (≈ 10,000/month)	$22.54	2,927	Not available	3 staff accounts, free .com.ng domain, automations
Growth	Every 6 months	150,000 (≈ 25,000/month)	$112.69	14,633	Not available	2 locations, 5 staff, barcodes, advanced analytics, API key
Scale	Yearly	750,000	$563.45	73,164	Not available	3 locations, 10 staff, priority support, WhatsApp group

Rates used: ₦1,331.08/$ (23 Oct 2026), KSh129.85/$ (22 Oct 2026). Bumpa hasn't published Kenyan shilling prices, so the KSh column is a conversion, not Bumpa's price.

Bumpa's pricing page says you can save up to 20% by paying yearly. Its own blog lists Growth at ₦250,000 a year, against ₦300,000 if you paid six-monthly twice.

Subscribe on the web, not in the app. Bumpa itself warns that subscriptions bought through the Google or Apple app can cost up to 30% more because of store fees. The iOS App Store lists in-app plans in US dollars.

There's also the cost of getting paid. Online payments through your Bumpa store carry a transaction fee, which Bumpa listed at 1.5% in January 2025, and you choose whether you or the customer pays it. In November 2025 Bumpa cut website fees on some payment partners, to 1.2% on Paystack, but only for November and December. Bumpa Terminal fees have been described two ways: a flat ₦50–₦100 per transaction in a 2024 help article, and 1.5% in a March 2026 blog post. Check the current figure in your dashboard. Withdrawing from Bumpa Wallet costs ₦50.

Which plan should you pick? If you sell alone online, Starter is enough. Move to Pro the moment someone else needs to take orders, because Starter has no staff accounts. Growth only makes sense with a second shop location or serious stock to barcode.

Is there a free plan?

No, despite what you may have heard. Bumpa's May 2026 blog post is clear that there's a 14-day free trial with most Growth features, and then you subscribe. The trial excludes custom domains, the POS app and same-day settlement, and it only takes naira payments.

What happens when you stop paying is the part to note. If your subscription lapses, Bumpa says your account reverts to Basic, you lose dashboard access and your website link stops working. If you never subscribe after the trial, the store is deactivated and flagged for deletion within three months. For a seller whose Instagram bio points to a Bumpa link, a missed renewal means a dead link in front of customers. Tick auto-renewal at checkout, and keep your card or Bumpa Wallet funded.

Can you use Bumpa outside Nigeria?

This is where Bumpa stops being a pan-African answer.

Nigeria

Everything works, and it's the easiest tool on BizStack to pay for. Subscriptions are in naira, paid through Paystack by card or bank transfer, or from your Bumpa Wallet with no transaction fee. No dollar card, no FX spread, no declined checkout. Your customers can pay by card, transfer, USSD or QR code, and Bumpa says online payments settle to your bank within 24 hours.

Kenya

Bumpa launched in Kenya in June 2026, calling it "a launchpad for us into East Africa". Kenyan merchants can accept payments through M-Pesa, record online and in-person sales, and sell in Kenyan shillings on their storefront. A Bumpa reply on the App Store in 2024 said settlements could already go to Kenyan bank accounts. What's missing is a published Kenyan price list, so ask Bumpa what you'll pay before you start the trial.

Ghana

Not available. When a Ghanaian user said in 2024 they couldn't use the app, Bumpa replied that settlements only go to bank accounts in Nigeria or Kenya and that Ghana was "being considered for future expansion". We found nothing since then saying Ghana is supported, and Bumpa's checkout has no MoMo option. Ghanaian sellers should look at a cedi-priced tool with MoMo checkout instead (see the alternatives below).

South Africa

Not available. We found no evidence that Bumpa supports South African merchants or rand settlement, and South African sellers already have strong local options.

Rwanda, Egypt and Uganda

We found no evidence that Bumpa supports merchants in any of these countries. Its FAQ still says Bumpa "is currently only available in Nigeria" (it predates the Kenya launch) and that owners elsewhere can only use it "in a limited way".

How well does Bumpa actually perform?

For day-to-day selling, users are mostly happy. Google Play reviewers from July and August 2026 praise the "beautiful interface", the detailed sales reports and the website builder. One reviewer running four locations said the reports helped track repeat customers and best-selling products.

The complaints that matter are about money. AllBioHub's September 2026 profile names settlements and identity checks (KYC) as the most common complaint, quoting a merchant who said Bumpa would "refuse to remit my settlement due for that day". It also says support, "while improving, still has gaps". These are reports, not proof of a pattern, but when a tool holds your sales money, they deserve weight. Complete your KYC early, before a big sale weekend.

A few smaller niggles show up too. Deleted product photos can leave blank placeholders on your storefront, and one reviewer wants to import phone contacts instead of copying customer details by hand. Technext's 2022 review found the app "very slow" when switching pages, though recent reviews don't repeat that complaint.

On the connection side, Bumpa is mostly online, but its separate free invoicing app, Paperless by Bumpa, works offline. That helps a market trader whose data runs out mid-afternoon.

Bumpa pros and cons

Pros

• Priced and billed in naira, from about ₦5,000 a month, with no dollar card needed in Nigeria
• Store, inventory, invoices, payments and POS in one app, built around how Nigerian sellers actually sell
• Customers can pay by card, transfer, USSD or QR code, plus M-Pesa in Kenya
• Payments settle to your bank within 24 hours, according to Bumpa
• Human customer support, which reviewers praise
• 4.3 stars from about 2,500 Google Play reviews

Cons

• Not available for merchants in Ghana, South Africa or the other focus countries
• No free plan and no monthly billing: the minimum is three months upfront
• Your website goes offline the moment a subscription lapses
• Starter has no staff accounts, so any team needs Pro or above
• Merchants report settlement holds tied to KYC checks
• Kenyan prices aren't published
• In-app subscriptions cost up to 30% more than buying on the web

Bumpa scores breakdown

Category	Score	Why
Value for money	8.0/10	Starter at about ₦5,000 a month covers a store, inventory and invoices, far cheaper than Shopify; no free plan, and the quarterly minimum stings
Payment feasibility	4.8/10	Ideal in Nigeria (naira billing, card, transfer or wallet), workable in Kenya, but merchants in Ghana and South Africa can't use it at all
Performance & reliability	7.2/10	Well rated by users and settles within 24 hours, but merchants report settlement holds over KYC and a few storefront bugs
Ease of use	8.6/10	Reviewers call setup "very easy", and one app covers what would otherwise take several tools
Customer support	6.5/10	Human support praised by users and calls on Growth, but settlement complaints and acknowledged gaps
Overall rating	3.5 / 5.0	Good, with caveats

Bumpa alternatives worth a look

Tool	Starting price	Free plan	Countries	Pick it if…
Paystack Storefront	Free (fee per sale)	Yes	Nigeria, Ghana, South Africa	You just need a simple product page that takes payments
Strawlo	GH₵60/month	Not stated	Ghana	You sell in Ghana and want MoMo at checkout
Yoco	Fees per transaction	Not stated	South Africa	You sell in South Africa, in person and online
Shopify	About $32/month (≈ ₦42,600)	Trial only	Global	You need advanced features and can handle dollar billing

Paystack Storefront is the obvious free option. Paystack says it's "completely free to use" for merchants in Nigeria, Ghana and South Africa, charging only its usual fee per sale. It handles products, delivery fees, low-stock alerts and WhatsApp chat, but it's a store, not a full business app: no POS, staff accounts or expense tracking.

Strawlo is the Ghanaian answer: a cedi-priced shop app with MTN MoMo, Telecel Cash and AirtelTigo Money at checkout, from GH₵60 a month (September 2026). Its pricing comes from Strawlo's own comparison with Bumpa, so check it directly.

Yoco serves more than 200,000 South African merchants with card machines and payment tools, and connects to e-commerce platforms. It's the natural starting point for a South African shop.

Shopify does far more and works anywhere, but it costs roughly eight times Bumpa Starter for Nigerian sellers. Shopify Payments isn't available in Nigeria, so you'll rely on a third-party Paystack plugin and pay Shopify's extra transaction fee.

Who should use Bumpa, and who should skip it?

Use Bumpa if you're:

• A Nigerian seller running orders through Instagram and WhatsApp who wants a proper store, stock tracking and invoices
• A Lagos or Abuja shop with both walk-in and online customers who needs one stock count
• A Nairobi seller who wants a storefront with M-Pesa at checkout, once you've confirmed the Kenyan price
• A small team where several people take orders (on Pro or above)

Skip Bumpa if you're:

• Selling from Ghana, South Africa, Rwanda, Egypt or Uganda
• Only selling a few products and happy with a free payment page
• Unable to commit to three months upfront
• Building a large store that needs Shopify-level apps and themes

Final verdict

For a small business in Nigeria, Bumpa is hard to beat: one naira-priced app for your store, stock, invoices and payments, at a price a side hustle can carry. Kenyan sellers can now join, with M-Pesa at checkout, though they should get the price in writing first. Everywhere else, wait. Bumpa can't pay out sales in Ghana or South Africa, so the 3.5 / 5.0 reflects a great Nigerian tool that isn't yet an African one. If you do sign up, subscribe on the web, turn on auto-renewal so your store link never dies, and finish your KYC before you need your money.

Sources

• Bumpa pricing — Bumpa, official, plans, prices, plan features, payment methods, yearly saving, checked 2026-10-24
• Bumpa subscription plans — Bumpa Help Centre, official, Growth and Scale prices, 14-day trial, checked 2026-10-24
• Renewing your subscription — Bumpa Help Centre, official, payment methods, in-app markup, what happens on lapse, checked 2026-10-24
• Is Bumpa app free? — Bumpa, official, no free plan, trial limits, deactivation, checked 2026-10-24
• How do payments work on Bumpa? — Bumpa, official, 1.5% fee, 24-hour settlement, checked 2026-10-24
• Bumpa product updates, November 2025 — Bumpa, official, temporary fee cuts, wallet limits, KES storefronts, iOS pricing note, checked 2026-10-24
• Terminal transaction charge — Bumpa Help Centre, official, ₦50–₦100 Terminal fees (2024), checked 2026-10-24
• Bumpa vs WooCommerce — Bumpa, official, Growth ₦250,000/year, Terminal 1.5%, wallet ₦50 withdrawal, checked 2026-10-24
• Bumpa's new subscription updates — Bumpa, official, quarterly/biannual/yearly billing only, checked 2026-10-24
• Bumpa FAQs — Bumpa, official, availability statement, support channels, checked 2026-10-24
• Bumpa enters Kenya to tap growing SME digital commerce market — Capital FM, press, Kenya launch and M-Pesa, checked 2026-10-24
• Nigeria's Bumpa launches in Kenya — TechTrends Kenya, press, CEO quote on East Africa, checked 2026-10-24
• Bumpa on the App Store — Apple App Store, community, 2024 developer reply on Ghana and settlements, USD in-app prices, checked 2026-10-24
• Bumpa on Google Play — Google Play, community, 4.3 rating, recent reviews, checked 2026-10-24
• Bumpa app review 2026 — AllBioHub, press (includes sponsored placements), settlement and KYC complaints, checked 2026-10-24
• App review: Bumpa — Technext, press, 2022 review, checked 2026-10-24
• Nigerian Bumpa raises $4m seed — Techpoint Africa, press, funding, founders, history, checked 2026-10-24
• Paystack Storefront — Paystack, official, free storefront, countries, features, checked 2026-10-24
• Strawlo vs Bumpa — Strawlo, competitor blog, Strawlo GHS prices and MoMo support, checked 2026-10-24
• Yoco thinks South Africa's small businesses need fewer apps — TechCabal, press, Yoco's merchants and tools, checked 2026-10-24
• Shopify vs a local platform in Nigeria — Kolonell, agency blog, Shopify Basic price and Nigerian payment gaps, checked 2026-10-24
• US Dollar–Nigerian Naira history 2026 — Pound Sterling Live, press, ₦1,331.08/$, checked 2026-10-24
• US Dollar–Kenyan Shilling history 2026 — Pound Sterling Live, press, KSh129.85/$, checked 2026-10-24