How it works

From the invoice to the card.

No monthly allowance and no fee rebate. Points are funded by supplier margin on settled invoices, and nothing else.

One invoice, settled£4,800 × KP 5 / £1

KP 24,000= £240.00

One hundred Kivo Points is one pound on your cardRates are set with each supplier and printed beside its name on the Register.

Four steps

Every step is on your Ledger.

01
Choose a Stamped supplier
Buy from a supplier on the Register. Every entry shows its checks, its Stamp date and its rate as KP per £1.
02
Pay the invoice
Settle the invoice as you would anyway. The supplier reports it, or you upload it and the supplier confirms.
03
The Return lands
Pending for 14 days, then a Return lands on your Ledger. Points = net invoice × rate, rounded down.
04
Convert
From KP 1,000, Points move onto your firm's Kivo Card at KP 100 = £1, at once.

Where a Point goes

Every Point is a Ledger line: supplier, date, rate, Points, pounds. Export CSV or PDF, or share a read-only link.

Points belong to the firm, never a person. They do not expire while you are a member and stay convertible for 90 days after.

Earned only on settled invoices with Stamped suppliers, at the printed rate. KP 100 = £1. Nothing on the fee.