# JOCYT website & client portal — board decision

**Meeting:** Board of JOCYT Business Consult (CEO in the chair; sales, technology and finance perspectives represented)
**Date:** 2 November 2026
**Question before the board:** What should the client be offered, at what price, and how should they buy it — so that the website sells JOCYT the way the brief positions it, and the client gets the most value?

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## 1. What the sales manager put to the board

The brief is clear that JOCYT must read as a **professional advisory and business-control partner**, not a software shop. Sales sees three ways to package what we sell:

| Option | What the client buys | For | Against |
|---|---|---|---|
| **A. Software first** | JBCS plans with public prices, sign up and pay online | Scales; easy to buy; good for search ("POS software price Ghana") | Contradicts the brief; JBCS without set-up and follow-up becomes "another POS" and churns; competes on price with free/cheap tools |
| **B. Advice first** | Retainers only, priced after assessment | Matches the brief exactly; high value per client | Does not scale; leaves JBCS (our biggest asset) as an afterthought; no clear price signal, so many owners never call |
| **C. Combined (recommended)** | Four engagement levels (Foundation → Enterprise) that each *include* the right JBCS plan, plus JBCS available on its own with published "from" prices | Matches **People + Process + Technology**; gives owners a price anchor without looking like cheap SaaS; recurring revenue from day one | Two price lists to keep consistent; needs discipline in the first meeting |

## 2. How the market compares (secondary sources, November 2026)

| What owners can buy today in Ghana | Typical price |
|---|---|
| Cloud POS / inventory subscription | **GH₵ 100 – 500 / month**, depending on features and terminals |
| Small retail: software + basic hardware | GH₵ 200 – 400 / month + GH₵ 3,000 – 8,000 hardware |
| Custom-built inventory app | **GH₵ 8,000 – 20,000** one-off + GH₵ 100 – 300 / month hosting |
| Free tiers (e.g. Loyverse basic) | Free, with paid add-ons |
| Odoo (international ERP) | A Ghana **E-VAT POS** add-on was listed on the Odoo store and has since been withdrawn — competitors are working on E-VAT |
| Online card + MoMo payments (Paystack, Ghana) | **1.95%** per local transaction |

What Ghanaian owners say they expect from a system: mobile money, **keeps working when the internet drops**, works through power cuts, GRA E-VAT readiness, **local WhatsApp/phone support**, multi-branch stock and staff control.

**Where JBCS stands:** it already does offline sales, multi-branch stock with transfers, daily cash accountability, staff roles and an audit log — more control than a typical GH₵ 100–500 POS. It does **not yet** do GRA E-VAT clearance. No mainstream rival has shipped it either (an Odoo add-on appeared and was withdrawn), so being first is still possible — and it is the one gap a competitor could use against us once they ship.

*These figures come from vendor blogs and buyer's guides, not audited market data. Treat them as a range, not a fact.*

## 3. Resolutions

**Resolution 1 — Sell the combination (Option C).**
The website leads with JOCYT the advisory partner. JBCS appears as the technology that makes the advice stick. Every engagement level includes a JBCS plan.

**Resolution 2 — JBCS prices are published as "From …", on the JBCS page only.**
Starting prices give owners a reason to call and give search engines and AI assistants a real answer to "How much does JBCS cost?" — without putting a price list on the home page. Engagement levels stay **"Tailored to your business"**. (Admin → Business settings → Pricing display. One switch hides every price site-wide if the board changes its mind.)

| JBCS plan | Branches / logins | Monthly | Annual (2 months free) | One-off set-up & training |
|---|---|---|---|---|
| Starter | 1 / 3 | GH₵ 350 | GH₵ 3,500 | GH₵ 1,500 |
| **Business** (flagship) | 3 / 10 | **GH₵ 750** | GH₵ 7,500 | GH₵ 3,000 |
| Multi-Branch | 8 / 25 | GH₵ 1,500 | GH₵ 15,000 | GH₵ 5,000 |
| Enterprise | unlimited | priced on request | — | scoped |

*Rationale:* Starter sits in the upper half of the GH₵ 100–500 POS band because it includes cash accountability, the audit trail and local support. Business and Multi-Branch sit above generic POS but **below the 12-month cost of a custom build** (GH₵ 8–20k plus hosting), which is the real alternative for a multi-branch owner.

**Resolution 3 — Engagement levels (guide prices, not published).**

| Level | Includes | Internal guide |
|---|---|---|
| Foundation | Health check, records set-up, cash & stock routines, monthly report, JBCS Starter | from GH₵ 1,500 / month |
| **Growth** (flagship) | + monthly management report & KPIs, SOPs, accountability framework, monthly review, JBCS Business | from GH₵ 3,500 / month |
| Performance | + weekly monitoring, variance investigation, quarterly supervised counts, JBCS Multi-Branch | from GH₵ 6,500 / month |
| Enterprise | Scoped after assessment | quoted |

**Resolution 4 — How the client buys.**
1. Website → consultation request (WhatsApp, call or form). Reply within one working day — the admin dashboard now warns when a lead waits longer.
2. First meeting → recommend a level.
3. Client portal → the agreed plan appears, the first invoice (plan + set-up) is raised and paid by **MoMo, card or bank** through Paystack, or by MoMo/bank transfer recorded by staff.
4. Renewal invoices are raised automatically 7 days before each period ends.

Clients who have already decided may request a JBCS plan from the portal; staff still approve it before the first invoice, because every JBCS install needs set-up.

**Resolution 5 — Absorb the 1.95% Paystack fee.** It is built into the prices above. Adding a surcharge at checkout feels like a hidden charge to an owner and costs more in trust than it saves.

**Resolution 6 — Offer annual billing at ten months' price,** and **waive the set-up fee for Growth and above when paid annually.** Annual payment funds onboarding up front and reduces churn in the first year — the most expensive period.

**Resolution 7 — Close the E-VAT gap before it is used against us.** Make GRA E-VAT the next major JBCS release, and do not claim it on the website until it ships.

## 4. What the board will measure (reviewed monthly)

| Measure | Target for the first 6 months |
|---|---|
| Consultation requests per month | Establish a baseline in month 1, then grow 15% a month |
| First reply within one working day | 100% |
| Consultation → paying client | 25% or better |
| Monthly recurring revenue (admin dashboard) | Reported every month |
| Clients lost in a month (churn) | Under 3% |
| New insights published | 2 a month |

## 5. Decisions left to management

- Confirm or change the prices above in **Admin → JBCS plans** and **Engagement levels** before launch.
- Decide whether JOCYT is VAT-registered; if so, set the rate in **Business settings** so invoices add it.
- Book a photographer: the brief asks for real Ghanaian owners, shops and warehouses. The site has a slot for the home-page photo and works without one until then.