For restaurants
Cash up front.
Regulars every night.
Plov pre-buys your dining credit and sells it to diners who come back. You get working capital now, and a house account that fills your quiet nights.
Not a loan.
Sales you've already made.
We buy a block of your future dining credit at a discount. Diners spend it at your tables at full menu price. There's no interest and no repayment schedule.
Paid to your account within 2 business days of signing.
Of house-account value at your restaurant, at 2.0x over 12 months.
Of bills paid from the house account, capped at 4% of your monthly sales so it never crowds out cash customers.
Every bill at full value. Nothing for staff to do.
- The diner scans the bill, on paper or on the terminal, and picks how to pay: Plov credit, a Plov transfer, or their Plov card. Staff never approve anything; the only thing a server ever types is a six-digit pay code for a diner with no data.
- A ₦50,000 bill debits ₦50,000 from your house account and ₦45,000 from the diner's credit, whichever method they chose. Plov funds the gap.
- The check closes as paid on the POS. Transfer and card bills settle into an account you co-hold with Plov; each night Plov offsets them against your house account and sweeps the rest. Credit bills skip that step.
- When the house account hits zero, every Plov bill is released to you at T+1 from that same account, less processor fees only. No platform fee, nothing to reconcile by hand.
BOOSTS
Fill Tuesday without discounting Saturday.
Add an extra 1 to 5% off for the nights you choose. You fund it by topping up your house account, and only pay for bills that actually come in.
WORKS WITH YOUR POS
Already on a modern POS? You're a day away.
Plov reads open checks from your POS and closes them as paid. No second device, no manual entry, no reconciliation at the end of the night.
- Table QR codes printed, one-time transfer accounts and the Plov card tender on your terminals
- A co-held settlement account opened with your agreement; you never touch it
- Other POS? We onboard manually in a week
What arrives the week you go live
Everything a diner needs to find you in the app and pay at the table, delivered and set up by us.
Table codes, printed
One card per table, never changes. On supported terminals the code also prints on every receipt, so the card is a backup.
Door sticker and menu insert
"Pay with Plov, 5 to 10% off" with a QR to the App Store or Google Play, so walk-ins become regulars.
Staff app and a 20-minute brief
We sit in your first dinner service. Staff learn one thing: how to type a pay code for a diner with no data.
Your listing in the app
Photos, menu link, hours, delivery and reservation links, and your discount badge, live in Search and on the map from day one.
Questions owners ask
What if the credit isn't used in time?
That's our risk, not yours. The cash you received is yours to keep. We size each block so it's redeemed well within the term.
Do Plov diners pay less at my restaurant?
No. Every bill posts at full menu price. The diner's discount comes out of their Plov credit, funded by the discount you gave us on the block.
Can I cap how much is spent per night?
Yes. Set a nightly or weekly ceiling from the owner dashboard. Diners see you as unavailable on Plov once it's hit.
Who holds the diner's money?
Diner balances sit with our licensed payments partner. Transfer and card bills settle into an account you co-hold with Plov there; everything else in your settlement runs exactly as it does today.
Get a funding quote
We'll reply within one business day with your tier and block size.