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● Okuta · Pay Small SmallPay small small. Collect it when you complete.
Okuta lets shoppers pay for goods bit by bit at a price that is locked in, then collect them once payment is complete. For merchants, it is a ready-made pay-small-small system you offer under your own brand.
HOW OKUTA WORKS
Four steps from “I want it” to “it’s mine”
Choose your item
Pick what you want from a store that offers Okuta.
Agree your plan
The price is locked in. Agree with the store how often you pay.
Pay small small
Pay by transfer from any bank app into your own dedicated FCMB wallet.
Collect it
Once you complete payment, the business releases your item.
FOR EVERYONE
Built for shoppers and the businesses they buy from
For individuals
Get what you need without the full amount today.
- ✓Not a loan: you pay towards ownership
- ✓The price is locked in when you start
- ✓Pay by transfer into your own FCMB wallet
- ✓Collect your item as soon as you complete
For businesses
Sell to customers who do not have the full amount yet.
- ✓Offer pay small small under your own brand
- ✓Each customer gets a dedicated FCMB wallet
- ✓Use collected funds straight away
- ✓Fees agreed with Osb to suit your business
POPULAR WITH OKUTA
What people pay small small for
Electronics & appliances
Furniture
Phones & gadgets
Everyday household items
FOR OKUTA BUSINESSES
Everything you need to sell pay-small-small
A balance per customer
Each buyer’s payments tracked separately.
Real-time view
See who has paid and what is left.
Release on completion
Get notified when an item is fully paid.
Access funds straight away
Use collected funds immediately, even before a plan completes.
Reports & statements
Download records for any period.
Your own brand
Offer Okuta under your business name.
FAQS
Okuta questions, answered
Is Okuta a loan?
No. It is simply a pay-small-small plan towards ownership. You pay before you collect, so there is no debt.
FOR BUSINESSES
Register your business for Okuta
Tell us what you sell and how many customers you have. We will book you a demo and walk you through onboarding.
Business registration
Sell to more customers with Okuta.
Give your customers a way to pay small small, under your own brand.