Getting started with Pancho

What if you owned your own online business, without building it from scratch? That is the whole idea, in one minute.

The problem

Starting from zero is hard. Payments, hosting, support — it all lands on you, and it piles up fast. That mountain is what stops most people before they begin.

What Pancho does instead

Pancho gives you ready-made businesses. Software, websites, bookings — real products, already built and already running. You pick one from the Marketplace.

Then you make it yours: your name, your logo, your own web address. Your customers only ever see your brand.

Who runs what

Behind the scenes, Pancho handles everything — the servers, the billing, the support. We run it. You market it.

Every sale pays you automatically, straight to your account.

What it costs to start

Nothing. Free to sign up, free to launch. Pick a business from the Marketplace and it can be live today.

Pancho gives you a finished online business to sell under your own name. You choose what to sell, what to call it and what to charge. We run the software, the hosting, the payments, the support and the delivery.

What you do, and what we do

• You pick a product, brand it, set your price, and send people to your link.
• We run the product, host it, take the payments, answer your customers, and pay you.

Your customers only ever see your brand. They never see ours.

How you get paid

Every sale is split. You keep your share, we keep ours — and our share is what pays for everything in that second list. You can see exactly what you earn before you launch anything: it is printed in green on every card in the Marketplace.

Money from a sale waits a short while to clear, then becomes available to pay out. Payouts reach your bank automatically once a week, or on demand.

The whole path

1. Create a free account.
2. Pick a business from the Marketplace.
3. Launch it under your own name and price.
4. Share your link.
5. Connect your bank and get paid.

The rest of this course is those five steps, one at a time.

Worth knowing: it costs nothing to start and nothing to keep a business open. You are never billed here. You are only ever paid.

One account runs everything you sell. It takes under a minute and asks for no card.

Sign up

1. Press Create free account.
2. Type your First name. Last name is optional.
3. Type your Email. Use one you actually read — money notices go there.
4. Choose a Password of at least 8 characters. The meter under the box tells you when it is strong.
5. Press Create free account.

You are signed in straight away and land on the Marketplace, ready to pick a business.

Confirm your email

We send one confirmation link to that address — open it soon, because accounts with an unconfirmed email get suspended. The reminder (and a Resend email button) sits at the top of Settings until you do. The link works for 24 hours, and only once; if it reads as expired, press resend and we send another.

If you get locked out

On the sign-in screen press Forgot password?, type your email, and press Email me a reset link. It works for 60 minutes.

Saving a new password signs you out on every other device. That is the point of it.

Worth knowing: do not let your browser fill the signup form and submit it instantly. Anything sent in under two seconds is treated as a bot and refused — with a message about your email address that has nothing to do with your email address. Type, then press.

Worth knowing: payouts are held for your first week — your Payouts page names the exact date, and an admin can change the length. You can sell from the first minute; the money just cannot leave yet. Lesson twelve covers it.

The Marketplace is the shelf of businesses you can launch. It is also the only way in — every launch starts from a card here.

Look around

1. Click Marketplace in the menu on the left.
2. Use the chips along the top to narrow the shelf. All businesses is the default; the rest are one per kind.

What a card tells you

• The monthly price we suggest, and in green what you earn on every sale at that price.
• A short line on what the business does for the person who buys it.
• The business manager — a real person here who is responsible for it.

Every card has a walkthrough film. Press the play disc and it opens right under that row.

The three buttons on a card

• The heart saves a business for later. Your saved list lives under the Saved chip at the top — the number on it ticks up as you press — and there is a matching Saved shortcut on My businesses. It is saved to your account, so it follows you to any device.
• Copy puts the link to that exact card on your clipboard.
• Share opens WhatsApp, X, Facebook, Email or Copy link. Whoever opens the link lands on that card with its walkthrough playing.

The two big buttons

• Demo opens a real, working example in a new tab. Click around it. This is exactly what your customers get.
• Launch starts the setup wizard. That is the next lesson.

A card badged In development has neither button — it shows a grey Coming soon chip instead, so you can see what is on the way.

Picking your first one

Pick the one you can already name three people for. Everything on this shelf is equally easy to launch, so the only thing that decides whether you make money is whether you know who to send it to.

Press Launch on a Marketplace card and you get four steps: Name & look, Your price, Web address, Live!

Step one — name it and make it yours

1. Type your Business name. This is what your customers see. Ours appears nowhere.
2. Pick a Brand color from the six swatches.
3. For an exact colour or your own logo, open Advanced: custom color & logo.
4. Press Continue →.

No logo is fine. We make a clean one from your first letter, and you can replace it any time.

Step two — set your prices

A business with plans gives you one row per plan. A business with one price gives you one box and a slider.

Each row shows the price we suggest and the lowest you are allowed to charge. A line underneath updates as you type, telling you what you earn per sale at the price you just typed.

Set your numbers and press Continue →.

Step three — your web address

Your free address is already filled in from your business name, and checked. Edit it if you want; it re-checks as you type and suggests a free one if yours is taken.

Already own a domain? Tick I already own a domain (like yourbrand.com) and type it in plain — no www, no http://.

Press 🚀 Launch my business.

Step four — you are live

Real page, real checkout, real product behind it. The screen gives you your link, a message we wrote for you to paste anywhere, and three buttons: Copy message, Copy link, Open my business page.

Send the link to three people today. That matters more than any setting on the next screen.

Worth knowing: your price has a floor and a ceiling. Below the floor the wizard blocks you and names the number. Above $999 the save is refused.

Worth knowing: the logo you picked in step one uploads after the launch succeeds. If it does not appear immediately, open the business and set it again from Branding — the business itself is already live either way.

Everything that makes a business yours lives on one page. Open My businesses and press Manage on the one you want.

Branding

The Branding card holds the three things your customers actually see.

1. Edit Business name.
2. Pick a Brand color, or set an exact one with the picker.
3. Press Upload image to set a Logo — PNG, JPEG or WebP.
4. Press Save changes.

Your customers see the new look on the next page they open.

There is also a checkbox: Use the default company branding. Tick it to sell under our flag instead of your own. It saves the instant you tick it — there is no Save to press — and it hides your branding rather than deleting it. Untick it and yours comes straight back.

Prices and plans

If your business has plans, the Plans & pricing card gives you a row each. Per row you can rename the plan, set its price, and switch it on or off sale with the toggle. A line under the rows tells you what you earn at the prices currently typed. Press Save plans.

If your business has a single price, it sits in the Branding card instead as Monthly price, with the lowest allowed price named beside it.

For a business selling downloads or services you set Your markup as a percentage instead. We set the base price; yours goes on top.

Pausing it

Further down is Need a break?. Press Pause this business and visitors get a polite "back soon" page. Nothing is deleted, people already paying keep their access, and Resume this business puts it back.

Worth knowing: a price change never touches anyone already subscribed. Existing subscribers keep the price they signed up at, for as long as they stay. New prices apply to new customers only.

Worth knowing: the ⋯ menu on a business card has Pause business on it too — and there it acts immediately, with no confirmation.

Every business is born on a free address that works forever. When you want yourbrand.com instead, it takes about five minutes and one setting at the company you bought the domain from.

Connect it

1. Open My businesses, press Manage, and scroll to the Web address card.
2. Press + Connect a domain.
3. Type the domain plain — no www, no http://.
4. Press Connect.

Point it at us

We show you the exact record to add, with a Copy button on every value:

• Type: A
• Host / Name: @
• Value / Points to: the address we show you
• TTL: Automatic

Add that at your domain company — the setting is usually called DNS. The ? next to the Connect button repeats these steps any time you need them.

What happens next

The domain's row tracks itself: waiting for the domain to point here, then checking it, then securing it, then live. It re-checks on its own every few seconds, so you can close the page and come back.

The padlock certificate issues itself, free. Usually this is minutes; occasionally a domain company takes a few hours to announce the change.

You can point several domains at one business, and the free address keeps working alongside them.

Your customers can do the same for themselves: a domain they already own can be connected to their account for free, from the Domains page in their own menu.

Worth knowing: Remove on a domain row is a two-click button. The first press turns it into Really remove? for a few seconds. The second press removes it.

Worth knowing: on a test setup the certificate step is skipped and the row reads as connected in test mode. That is expected, not a failure.

Once you run more than one business you have more than one link. Your portal is a single address that lists all of them, so you can hand out one thing.

It lives in the Marketing Studio: click Marketing Studio in the menu on the left, and pick Your portal — the pinned entry at the top of the list. The portal itself is created the first time you touch it; there is nothing to set up.

What a visitor sees

Your portal is a short list of your businesses down the left, and whichever one they pick fills the rest of the screen — its own real pages, live. They read, sign up and pay right there, without ever leaving your address.

Make it yours

In the middle panel, set the name visitors see and your colour. That is all there is: the businesses inside bring their own words and pictures, so there is nothing here to write twice.

The preview on the right shows the list exactly as a visitor gets it. Open it shows you the whole thing with a business loaded.

Choose what is listed

The same panel lists every business you run. Everything is shown by default.

1. Untick anything you do not want listed.
2. Drag the handle on a row to set the order.

This list saves as you go. A hidden business is not deleted and not paused — it keeps its own address and its own customers; it is simply not listed here.

Handing it out

Copy gives you the address, Open it shows you what visitors see, and Embed gives you a snippet to put the whole portal on any website you already have. Use the link in your bio, your email signature, and anywhere you would otherwise have had to pick one business.

To take the whole thing down for a while, use the offline toggle. Your businesses stay live at their own addresses.

Worth knowing: you can change the portal's address whenever you like. The new one works straight away, and the old one keeps forwarding to it — so cards, posts and printed flyers carrying the old address still open.

An offer is a link that carries a deal. You send the link instead of the plain one, and signups that arrive through it are counted separately.

Click Offers & Trials in the menu on the left.

Make one

1. Press New offer.
2. Pick the kind: Percent off, First month off, or Free trial.
3. Pick which business it is for.
4. Set the number — the label changes to Trial length (days) when you pick Free trial, and Discount (%) otherwise.
5. Press Create offer.

A preview line above the button shows the exact words your customers will read before you commit.

Use it

Every offer gets its own link. Press Copy link on its row and paste it anywhere — an ad, a DM, an email. Anyone who arrives through it sees the deal on the checkout, priced accordingly.

The Used column counts who came through it: how many signed up, and how many of those paid. Filter the list with All, Active and Ended, or search by code or business.

Changing your mind

Press Edit on a row. The same panel opens wearing that offer's numbers — change the deal and press Save changes, press End offer to stop it (or Turn back on later), or Delete to remove it and its history. The code on the link never changes, so anything already printed keeps working.

What to use them for

• Percent off for a launch push or a seasonal run.
• First month off to get someone over the line who is nearly convinced.
• Free trial when the product sells itself once someone is inside it.

Worth knowing: an offer belongs to one business. A code minted for one shop cannot be redeemed at another.

You do not have to write your own ads. Click Marketing Studio in the menu on the left.

The Studio is three panels: pick something on the left, customise it in the middle, and the right shows the finished piece — built from your business's real name, real price, real colour, real link. Change any of those and the material changes with it.

Pick the business

The selector at the top left switches everything to that business.

What you can make

• Proposal — the full pitch as an A4 document, for emailing or printing.
• One-page flyer — one page for a noticeboard, a shop window or WhatsApp.
• Email swipe — ready-to-send emails.
• WhatsApp broadcast — short messages shaped for a broadcast list.
• Website hero, Newsletter header, Social square — banners in your colour.
• Group post, Ad copy, Social captions — written pieces, ready to post.
• Video script — what to say to a camera.
• AI prompts — paste into any AI chat to generate more in the same voice.

Your portal is pinned at the top too — that one is lesson seven.

Customise and send

The middle panel is that material's knobs — headline, words, sections, accent colour. The preview updates as you type, and Reset to generated brings the original back.

The buttons floating over the preview do the sending: Copy takes the piece to your clipboard, Share link gives you a link that always shows the current version, and on documents Download PDF prints exactly what you see.

The order that works

1. Open the Proposal, put your own name under Who to contact, and download it.
2. Take the WhatsApp broadcast and send it to ten people who know you.
3. Post a Social caption with the Social square banner.

Worth knowing: a share link holds the version you shared. If you edit the material afterwards, press Update link so the shared page matches what you see.

There are two referral programmes here. They sound alike and are not. Learn which is which once, and you will never mix them up.

Referrals & Affiliates — you invite sellers, we pay you

Click Referrals & Affiliates.

You get a permanent invite link. Anyone who signs up as a seller through it is yours. You then earn a percentage of what they earn, for a fixed window — and we fund it. Their earnings are not reduced by a single cent.

1. Press Copy link on the dark card at the top.
2. Send it to anyone who would run a good business.
3. Watch People you've invited — each row shows how much of the window is left and what they have earned you.

Bonuses land in your Earnings and pay out with everything else. You do nothing.

Customer Referrals — your customers invite friends, and the rewards pay themselves

Click Customer Referrals. This is the other direction: the people already paying you recruit their friends.

1. Pick the business at the top right.
2. Switch it on.
3. Set What the friend gets — nothing, a discount on the first month, half the first month, or extra free days.

Your customers then get an Earn with us page inside your app with their own link. When a friend signs up through it and pays their first bill, the sharer earns a share of that bill — the page shows the exact percentage — and it is added to their balance with you on its own. There is nothing to send, nothing to mark off, and nobody to chase.

Who's sharing shows who is doing the work and what it has brought in.

Worth knowing: the reward is account credit with your business, so it gets spent back on the thing the sharer recommended.

Worth knowing: it is paid once per friend, on the first bill only. Renewals are all yours.

Worth knowing: who invited whom is fixed at the moment someone signs up, from a link they clicked within the last 30 days. It can never be added afterwards, so send the link before they sign up, not after.

Click Subscribers in the menu on the left. This is everyone who has signed up to any of your businesses — free and paying.

Reading the page

Three numbers across the top: everyone who signed up, how many of them are paying, and what those payments add up to each month.

Below that, one row per person: which business they are on, which plan, what they pay, their status, and when they joined. Status is Active, Past due, Suspended, Paused, Free plan, Cancelled or No plan.

• Use the chips — All, Paying, Free, Past due, Suspended, No plan — to narrow it.
• Use the search box for a name or an email.
• Click any row and their details slide in from the right, with Email them and Copy email buttons.

To see one business on its own, open that business and click through to its people.

A customer's plan and card are theirs — nothing here changes their account, on purpose.

Who answers them

We do. When one of your customers asks a question, it comes to our support team, and we answer it as your brand. They never learn we exist.

Click Support in the menu on the left. It is a chat: press +, start typing, and a real person replies. The first words of your message become its title.

Once your customers have written in, the list splits into two tabs:

• Mine — your own conversations with us.
• My customers — their tickets, each row named with who it is from. Open one to read it — and if you want to, write in it. Anything you send reaches the customer as your business, alongside our team's answers. Whether you ever join in is up to you; we answer either way.

What to actually do with this page

Watch the Past due chip. A past-due customer is someone whose card failed, not someone who left. They usually come back on their own once the card is fixed, and we chase it automatically — but it is the one number worth glancing at each week.

Worth knowing: past due does not switch a customer off. Their published work stays online; only changes are paused until the payment goes through.

Two pages: Earnings is what you have made, Payouts is how it reaches your bank.

Earnings

Four numbers across the top:

• Waiting to clear — new sales, in their short safety window.
• Ready to pay out — cleared, and yours.
• Paid out so far — already sent to your bank.
• Lifetime earnings — everything you have ever earned, after the split.

Below is every line that made those numbers. Filter with All, Sales, Refunds, Payouts, Bonuses. Each row says what it was in plain words — New sale, Referral bonus, Refund, Paid to your bank.

New sales wait a few days before clearing. That window is what protects everyone from refunds and card disputes.

Connect your bank

1. Click Payouts in the menu on the left.
2. Press Connect my bank.
3. Fill in the secure form. We never see your bank login.

Once connected, whatever is ready sweeps to your bank automatically on payout day. If you want it sooner, press Pay me now — that sends it today for a small fee, shown on the button before you press it.

Why the button might be greyed out

The page always tells you which one it is:

• Your account is frozen.
• Your balance is below zero after a refund or dispute. It resumes by itself once you are back above zero.
• You are inside your first week. Money keeps counting up; it just cannot leave yet. The page names the exact date.
• It is your very first payout, which gets a quick human check on our side. Usually clears within a day, and every payout after it is automatic.
• No bank connected.
• You are under the minimum.

If you sell in more than one currency

Each currency is its own rail, end to end. Nothing is ever converted. A Naira balance pays out to a Nigerian bank account, a Dollar balance to a Dollar one, and each has its own Pay me now. If you only ever sell in one, you will never see the other.

Worth knowing: a refund claws back that sale's share and nothing more. Your other earnings are never touched.

Three smaller pages, and what each is actually for.

Analytics

Click Analytics. It answers one question: of the people who visited, how many signed up, and how many paid.

• Three numbers at the top: sales this month, total signups, lifetime earnings. Each one is a door — click it and the detail page opens.
• Day by day — a 30-day chart. Press Visitors, Signups or Sales to switch what it plots.
• From visit to paying — the funnel, with the percentage that survives each step.
• Your best days — the three days that brought the most people, so you can notice what you did and do it again.
• The picker at the top right looks at one business at a time.

Counting started the day analytics was switched on, so history builds from there rather than backwards. Visits appear straight away; signups and sales land within the hour.

Team & Roles

Click Team & Roles to keep a list of who helps you.

1. Type their email.
2. Pick Marketing or View-only.
3. Press Send invite.

Marketing is meant for branding, landing pages and offers. View-only sees the numbers and changes nothing. Rows carry Resend, Cancel, Change role and Remove.

Your money is never shared. Payouts always go to your bank, whoever is on this list.

Worth knowing: this page keeps the roster today. Teammates being able to sign in and use your account is still being built, so treat it as a list you are preparing rather than access you have granted.

Settings

Click Settings.

• Profile — your name, email, and optional phone, WhatsApp, website and city. Press Save changes. Changing the email sends a new confirmation.
• Password — press Send me a reset link. It emails you a link and signs you out everywhere else.
• Download my data — gives you a file of everything stored here, immediately.
• Appearance — Light, Dark or System, remembered in this browser only.
• Notifications — everything always shows under the bell. These switches choose what also reaches you by email or phone.

Worth knowing: the notification switches do not save when you flip them. Press Save notification settings or the change is lost when you leave the page.