How to Use FiCore
Learn how to use FiCore Africa's powerful features
Quick Fixes
Common issues solved in seconds
No Transactions?
Dashboard is empty
Fix: Tap "+" button → Record your first sale or expense
Can't See Account Number?
Wallet not showing details
Fix: Profile → Verify Identity → Submit ID
Forgot Password?
Can't log in
Fix: Login screen → "Forgot Password" → Check email
Getting Started
New to FiCore? Start here! Learn the basics in 5 minutes.
Welcome to FiCore Africa
Complete 5-minute setup guide for new users. Learn how to create your account, record your first transaction, and generate your first report.
Quick Start Guides
Master FiCore's key features in minutes
Voice Entry
10-second bookkeeping - Record sales by speaking
Wallet & VAS
Automated expense tracking for airtime & bills
Reports & Tax
Professional financial reports in one tap
Core Concepts
Understand the fundamentals of smart business management
DIICE Method
Master the 5-step framework: Debtor, Income, Inventory, Creditor, and Expenses
Liquidity Management
Understand your business wallet and avoid the commingling trap
Tax Compliance
Stay compliant with automated tax-ready reports and financial statements
Working with FiCore Agents
How to get help safely when someone introduces FiCore to your business.
Agent Help and Safety
FiCore Agents may help you understand FiCore, download the app, complete setup, and learn the basics. They should never ask for private login or wallet details.
Working Safely with FiCore Agents
What FiCore Agents Can Help With
A FiCore Agent may help you discover FiCore, download the app, create your account, understand the main features, and get comfortable recording your business transactions.
Before You Continue
- Ask anyone claiming to be a FiCore Agent for their code and in-app Agent badge, or confirm with FiCore support.
- Only download FiCore from official app store links or official FiCore channels.
- Use your own phone number, email address, password, and wallet PIN when creating your account.
- Contact FiCore support if an introduction feels suspicious or unclear.
Never Share Private Details
FiCore Agents should never ask for your:
- Password, OTP, wallet PIN, BVN, NIN, card PIN, or full card details.
- Personal email login, phone login, or bank app login.
- Money paid outside approved FiCore payment channels.
Stay in Control
You should personally review every action before submitting it in the app. If someone pressures you to share private information or make an unusual payment, stop and contact FiCore support.
The DIICE Method
What is DIICE?
DIICE is FiCore's 5-step framework for complete business financial management: Debtor, Income, Inventory, Creditor, and Expenses. Master these 5 areas, and you'll have full control over your business finances.
The 5 Steps of DIICE
1. Debtor (Accounts Receivable)
Track who owes you money. Record credit sales and monitor payments.
Example: Musa sold ₦50,000 worth of goods to a customer on credit. FiCore tracks this debt until payment is received.
2. Income (Revenue)
Record all money coming into your business from sales and services.
Example: Aisha sold 20 bags of rice for ₦200,000. FiCore records this as income and categorizes it automatically.
3. Inventory (Stock Management)
Track what you have in stock, what you've sold, and what you need to reorder.
Example: Fatima has 50 phones in stock. When she sells 5, FiCore automatically updates inventory to 45 and records the cost of goods sold.
4. Creditor (Accounts Payable)
Track who you owe money to. Record purchases on credit and monitor payment deadlines.
Example: Ibrahim bought ₦100,000 worth of inventory from a supplier on credit. FiCore tracks this debt and reminds him when payment is due.
5. Expenses (Operating Costs)
Track all money going out of your business for rent, utilities, salaries, and supplies.
Example: Halima paid ₦5,000 for electricity. FiCore records this as a utility expense and categorizes it for tax reporting.
Why DIICE Works
By managing all 5 areas, you get a complete picture of your business health. You'll know exactly how much money you have, how much you're owed, how much you owe, and where your money is going. This is the foundation of smart business decisions.
Save 10 Hours Per Month
With automated DIICE tracking, you'll spend less time on bookkeeping and more time growing your business.
Pro Tip
Start with Income and Expenses first. Once you're comfortable, add Inventory tracking. Finally, manage Debtors and Creditors for complete financial control.
Liquidity Management
The Business Wallet Philosophy
FiCore's wallet is designed as your Business Spending Account. When money is in the FiCore wallet, it's "Business Money" by default. This psychological and technical barrier is what makes automated bookkeeping possible.
The #1 Problem: Commingling
Before FiCore
❌ Business and personal money mixed
❌ Can't tell profit from personal spending
❌ Tax reports are guesswork
❌ Banks reject loan applications
With FiCore
✅ Business money stays separate
✅ Clear profit calculation
✅ Accurate tax reports
✅ Bank-ready financial statements
4 Key Benefits
Automated Tracking
Buy airtime, data, or pay bills via FiCore wallet. Every transaction is automatically recorded as an expense.
Clear Separation
Business funds stay in FiCore wallet. Personal funds stay in your personal bank account. No mixing!
Easy Reconciliation
All wallet transactions are tracked. Reconcile your books in seconds, not hours.
Tax-Ready
Generate tax reports instantly. All wallet expenses are categorized and ready for filing.
How It Works
Deposit Business Funds
Transfer money from your bank account to FiCore wallet. This is now "Business Money".
Spend via FiCore
Buy airtime, data, pay bills. FiCore automatically records each expense.
Track Automatically
No manual entry needed. FiCore knows what you bought and categorizes it.
Generate Reports
One-tap export of all wallet transactions for tax filing or business analysis.
Success Story
A shop owner in Kaduna used to mix business and personal money. After switching to FiCore wallet, she discovered she was spending ₦50,000/month on personal items from business funds. She now saves that money and reinvests it in inventory!
Pro Tip
Use FiCore wallet exclusively for business expenses. This makes your financial reports crystal clear and helps you qualify for better loan terms.
Tax Compliance Made Easy
Good News for Small Businesses!
If your annual revenue is ₦100M or less, you're tax-exempt (zero Company Income Tax). But you still need proper records to prove your exemption status. FiCore makes this effortless!
4 Ways FiCore Keeps You Compliant
Automated Categorization
Every transaction is automatically categorized for tax purposes. No manual sorting needed!
One-Tap Reports
Generate professional financial reports in seconds. Perfect for tax filing or audits.
Audit-Ready Records
All transactions are timestamped and immutable. Your records are always audit-ready.
Export Flexibility
Export reports as PDF or CSV. Share via WhatsApp, email, or print for filing.
4 Key Financial Reports
What it shows: Total income, total expenses, and net profit for a specific period.
Why you need it: Shows if your business is profitable. Essential for tax filing and business decisions.
What it shows: Assets, liabilities, and owner's equity at a specific point in time.
Why you need it: Required for bank loan applications. Shows your business's financial health.
What it shows: Money coming in and going out of your business.
Why you need it: Helps you manage liquidity and avoid cash shortages.
What it shows: All income and expenses categorized for tax purposes.
Why you need it: Makes tax filing simple. Just hand it to your accountant or file yourself.
Entry Tagging
Tag entries as "Business" or "Personal" to separate business expenses from personal spending. This keeps your P&L accurate and helps you qualify for better loan terms.
Bank-Ready Reports
FiCore reports are acceptable by Nigerian financial institutions for loan applications. No modifications needed!
Pro Tip
Generate your P&L report monthly, even if you're tax-exempt. This habit makes you "Bank-Ready" for low-interest loans and helps you spot business trends early.
Welcome to FiCore Africa
Bookkeeping Made Easy for Nigerian SMEs
Join thousands of traders, shop owners, and entrepreneurs who've ditched pen-and-paper for smart, automated bookkeeping.
Why Choose FiCore?
10-Second Voice Entry - Speak, don't type
Hausa & Pidgin Support - Your language
Works Offline - No internet? No problem
Automated Tracking - Buy airtime, track expenses
Tax-Ready Reports - One-tap export
Bank-Ready Statements - Loan applications
Get Started in 5 Minutes
Download the App
Get FiCore from Google Play Store. Search for "FiCore Africa" or visit our website.
Time: 1 minute
Create Your Account
Sign up with your phone number and email. Choose your preferred language: English, Hausa, or Pidgin.
Time: 2 minutes
Understand Your Home Screen
You'll see two main sections: "This Month Records" (showing Income/Expense amounts) and "My Wallet" (with icon buttons for wallet actions). Below that are Utilities (Buy Airtime, Data, Electricity).
Tip: Wallet buttons are icons only to save space
Record Your First Transaction
Tap the blue "Income" button or brown "Expense" button (always visible on home screen). Fill in amount, category, and description. Tap Save.
Time: 10 seconds
Enable Voice Entry (Optional)
Want to record transactions by speaking? Go to Profile (tap your avatar at top-left OR bottom nav "Profile" icon). Enable Voice Entry in settings.
Voice entry is optional but saves time!
10 sec
Per transaction
10 hrs
Saved per month
100%
Tax compliant
First-Time Tip
Start by recording yesterday's transactions to get comfortable. Then make it a daily habit!
Voice Entry: 10-Second Bookkeeping
The Fastest Way to Record Transactions
Voice Entry is FiCore's killer feature. Speak naturally in English, Hausa, or Pidgin, and our AI does the rest. No typing, no forms, no hassle.
Where to Find Voice Entry
Voice Entry is located in the Profile section, not on the home screen. You must enable it first before you can use it when recording transactions.
How to Enable Voice Entry
Go to Profile
Tap your avatar at the top-left corner OR tap "Profile" icon in the bottom navigation bar.
Find Voice Entry Settings
Scroll down to find "Voice Entry" settings. Tap to enable the feature.
Choose Your Language
Select your preferred language: English, Hausa, or Pidgin. You can change this anytime.
Start Using It!
Now when you record Income or Expense, you'll see the microphone option. Tap it and speak!
How to Use Voice Entry (After Enabling)
Tap Income or Expense Button
On the home screen, tap the blue "Income" or brown "Expense" button (always visible).
Tap the Microphone Icon
In the transaction form, tap the microphone icon to activate voice entry.
Speak Your Transaction
Say what happened: "Sold 10 bags of rice for 100,000 naira"
Review & Confirm
FiCore shows what it understood. Check amount, category, description. Tap "Save". Done in 10 seconds!
Voice Entry Examples
Works Offline!
Voice Entry works without internet! Record transactions even in areas with poor connectivity. They'll sync automatically when you're back online.
Pro Tip
Speak clearly and include the amount and item. FiCore's AI gets smarter the more you use it, learning your business terminology and patterns.
5 minutes
Manual entry (typing)
10 seconds
Voice entry (speaking)
Wallet & Automated Expense Tracking
Your Business Spending Account
FiCore Wallet is more than a payment method - it's your automated expense tracker. Buy airtime, data, and pay bills while FiCore automatically records every expense. Zero manual work!
Understanding Your Home Screen
Home Screen Layout
Your home screen shows two main sections side by side:
- "This Month Records" - Shows your Income and Expense amounts for the current month (bookkeeping tracking)
- "My Wallet" - Shows your wallet balance and action buttons (icon-only to save space)
Wallet Buttons (Icon-Only)
The wallet buttons are icons only (no text labels) to save space. Here's what each icon means:
- + Icon - Add Cash (fund your wallet)
- Clock Icon - Transaction History
- Other Icons - Additional wallet actions
Tip: Tap any icon to see what it does!
Setting Up Your Wallet
Fund Your Wallet
In the "My Wallet" section, tap the + icon (Add Cash). Choose payment method and amount. Funds appear instantly.
Buy Airtime or Data
Scroll down to the Utilities section (below the main cards). Tap "Buy Airtime" or "Buy Data". Select network, enter amount, confirm. Done in 30 seconds.
Automatic Expense Recording
FiCore automatically records the purchase as an expense. No manual entry needed! You'll see it in "This Month Records" immediately.
View Transaction History
Tap the clock icon in the wallet section to see all wallet transactions. Export for tax reporting anytime.
What You Can Buy
Airtime
All networks supported
Data
All plans available
Bills
Electricity & more
Time Saver
A market trader in Kano saved 10 hours per month by using FiCore wallet for all business purchases. No more manual expense tracking! She now spends that time growing her business.
Pro Tip
Use your FiCore wallet exclusively for business expenses. This makes your financial reports crystal clear and helps you qualify for better loan terms.
What are FC Credits?
FC Credits = Rewards for Using FiCore
FC Credits are bonus points you earn for using FiCore features. Think of them as "thank you" rewards that you can use for special features!
How to Earn FC Credits
Welcome Bonus
Get free FC Credits when you sign up and complete your profile.
Daily Activity
Earn credits by recording transactions regularly.
Achievements
Complete milestones like "First 10 Transactions" to earn bonus credits.
Referrals
Invite friends to FiCore and earn credits when they join.
Where to See Your Balance
Check your FC Credits balance in your Profile section. Tap your avatar at the top-left or go to Profile from the bottom menu.
What You Can Use FC Credits For
Use your FC Credits to unlock premium features:
- Advanced reports and analytics
- Priority customer support
- Special discounts on services
- Exclusive features (coming soon!)
Pro Tip
The more you use FiCore, the more FC Credits you earn. Make it a habit to record transactions daily!
Recording Your First Transaction
Three Easy Ways to Record
Choose the method that works best for you. All three are simple and take less than a minute!
Method 1: Manual Entry (Easiest)
On your home screen, tap the blue "Income" button or brown "Expense" button
Fill in the amount (e.g., 5000)
Choose a category (e.g., "Sales" for income or "Utilities" for expense)
Add a short description (e.g., "Sold 5 bags of rice")
Tap "Save" - Done!
Method 2: Voice Entry (Fastest)
First, enable Voice Entry in your Profile settings. Then:
Tap Income or Expense button
Tap the microphone icon
Say: "Sold 5 bags of rice for 50,000 naira"
Review and tap Save - Done in 10 seconds!
Method 3: Automated (No Work!)
When you buy airtime, data, or pay bills using your FiCore wallet:
FiCore automatically records it as an expense! No manual entry needed. Just use your wallet and FiCore does the bookkeeping for you.
First-Time Tip
Start with manual entry to get comfortable. Once you're confident, try voice entry to save time. Then use your wallet for automatic tracking!
Understanding Your Wallet
Your Business Wallet
Your FiCore wallet is like a business bank account. Use it to pay for airtime, data, and bills while FiCore automatically tracks your expenses.
Why Verify Your Identity?
To keep your money safe and unlock full wallet features, we need to verify your identity. This is required by Nigerian financial regulations.
Security
Protects your money from unauthorized access.
Account Number
Get a dedicated account number for easy deposits.
How to Verify (Simple Steps)
Go to your Profile (tap avatar at top-left)
Tap "Verify Identity"
Upload a photo of your ID (National ID, Driver's License, or Voter's Card)
Submit and wait for approval (usually 24-48 hours)
After Verification
Once approved, you'll see your dedicated account number in the wallet section. You can then deposit money easily and use all wallet features!
How Long Does It Take?
Most verifications are approved within 24-48 hours. You'll get a notification when it's ready!
Managing Your Subscription
FiCore Premium
Unlock advanced features like detailed reports, priority support, and exclusive tools to grow your business faster.
How to Renew Your Subscription
Go to Profile → Subscription
Tap "Renew Subscription"
Choose your payment method
Complete payment - Your subscription is renewed!
When Your Subscription Expires
Don't worry! Your data is safe. You'll still have access to basic features. Premium features will be locked until you renew.
Payment Methods
FiCore Wallet
Pay directly from your wallet balance.
Card Payment
Pay with debit or credit card.
Pro Tip
Set a reminder a few days before your subscription expires so you don't lose access to premium features!
Password & Security
Forgot Your Password?
On the login screen, tap "Forgot Password"
Enter your email address
Check your email for the reset link
Click the link and create a new password
Can't Find the Email?
Check your spam or junk folder. Sometimes password reset emails end up there. If you still can't find it, contact our support team.
Need Help?
If you're having trouble resetting your password, we're here to help!
Contact Support: team@mail.ficoreafrica.com
Keep Your Account Safe
- Use a strong password (mix of letters, numbers, and symbols)
- Don't share your password with anyone
- Change your password regularly
- Log out when using shared devices
Reports & Tax Compliance
Professional Financial Reports in One Tap
Generate professional financial reports instantly. Perfect for tax filing, bank loans, or business decisions. No accounting degree required!
Available Reports
Profit & Loss (P&L)
Shows income, expenses, and net profit. Essential for tax filing.
Statement of Affairs (Balance Sheet)
Shows assets, liabilities, equity. Required for tax filing and bank loans.
Cash Flow Statement
Tracks money in and out. Helps manage liquidity.
Monthly Summary
Quick overview of month's performance.
Tax Filing Requirements
For tax filing in Nigeria, you need:
- Profit & Loss Statement - Shows if your business is profitable
- Statement of Affairs (Balance Sheet) - Shows your business's financial position
FiCore generates both reports automatically. Just tap "Generate" and export!
How to Generate Reports
Tap "Reports" from the main menu
Choose report type (P&L, Statement of Affairs, Cash Flow)
Select date range (This Month, Last Month, Custom)
Tap "Generate" - Report appears in seconds
Export as PDF or share via WhatsApp/Email
Bank-Ready & Tax-Ready Reports
FiCore reports are acceptable by Nigerian financial institutions for loan applications AND tax authorities for filing. No modifications needed!
Pro Tip
Generate both P&L and Statement of Affairs monthly, even if you're tax-exempt. This habit makes you "Bank-Ready" for low-interest loans and keeps you prepared for tax filing season.