Pay for the size of your group, not for each feature you use. Small groups pay nothing. Every paid plan starts with a free trial and is paid by M-PESA.
Plans
Starter: free, up to 15 members. For small groups getting started: savings, loans, merry-go-round and meetings.
Standard: KES 999 a month or KES 9,990 a year, up to 60 members. Everything a typical chama needs, for up to 60 members.
Growth: KES 2,499 a month or KES 24,990 a year, up to 250 members. For SACCOs and investment groups up to 250 members.
Enterprise: KES 5,999 a month or KES 59,990 a year, any number of members. Unlimited members, the largest SMS allowance and priority support.
In every plan
M-PESA Paybill and till payments recorded automatically
Member statements on every phone
Loans with schedules, guarantors and penalties
Payouts approved by your signatories
A double-entry ledger that can't be edited
Two-step sign-in and encrypted personal data
English and Kiswahili
Help from our team in Nairobi
How billing works
Paid by M-PESA. Invoices are paid to Oppi Technologies Limited's Paybill from the app. Your group's money is never used to pay us unless your officials choose to.
Monthly or yearly. A yearly plan usually costs less than twelve monthly ones.
SMS included. Each plan includes an SMS allowance for receipts and reminders. Codes and security messages are always sent, and email is unlimited.
Change when you grow. Move to a bigger plan when your group outgrows its member limit.
If an invoice is late. After a grace period, the group can still sign in and read its records, but new transactions pause until it's paid.
Questions about pricing
Is the free plan really free?
Yes. Groups of up to 15 members use the free plan with no time limit. It covers savings, loans, merry-go-round, welfare, meetings and fines; larger plans add investments, dividends and more.
What counts as a member?
Each active member of your group, officials included. Members who have left don't count.
Do you charge per transaction?
No. ChamaBook doesn't take a cut of your contributions or payouts. M-PESA's own charges for your Paybill or till still apply.
Do we need our own Paybill or till?
To have payments record themselves, yes: your group needs a Paybill or Buy Goods till from Safaricom. Groups without one can still record cash and bank payments by hand.
Can we pay for a year at once?
Yes. Choose yearly when you subscribe, or switch at renewal.
Do you offer discounts for umbrella bodies or partners?
We work with organisations that support many groups, such as NGOs, SACCO unions and banks. Talk to us about a partnership.