One tap to pay.
Any till, paybill,
or bank.
Chama sends payment requests to every member via WhatsApp, SMS, and email. They tap Pay Now — M-Pesa handles the rest. You see every payment the instant it lands.
Chama Savings Group
Payment Received
Send to any account in Kenya
Your chama's contributions go exactly where you choose — any M-Pesa till number, paybill, or major bank account. No manual transfers needed.
More banks and mobile money options added regularly.
Members pay from wherever they are
They get the request in WhatsApp, SMS, or email. One tap triggers an M-Pesa STK push directly on their phone — payment done in seconds, no app download required.
Chama Savings Group · 16-Jun-2026
Your contribution of KES 5,000 is due on 16-Jun-2026. Tap below to pay instantly.
Tap “Pay Now” → M-Pesa STK push sent instantly
CHAMA · 16-Jun-2026
CHAMA: Contribution KES 5,000 due 16-Jun-2026. Pay: chama.co.ke/pay
Tap the link → payment page opens → M-Pesa STK push
From: noreply@chama.co.ke
Your June contribution is due
Hi James, your contribution of KES 5,000 is due by 16-Jun-2026. Click below to pay.
Click “Pay Now” → secure payment page → M-Pesa prompt
Everything taken care of
No technical knowledge needed. Chama is designed to be simple for every member, treasurer, and chairperson in your group.
Pay to any till, paybill, or bank
Route contributions to any M-Pesa till number, paybill, or bank account in Kenya. Set your destination once — it works every cycle, automatically.
Real-time payment tracking
Every payment is recorded the instant it lands. The group dashboard updates immediately — no manual reconciliation, no spreadsheets.
WhatsApp, SMS & email reminders
Members get payment requests across all three channels simultaneously. They pay from whatever app they are already using.
Automatic late fees
Set your group's late fee rules once. Chama calculates and applies them when contributions are overdue — no arguments, no manual work.
Full audit trail
Every payment is logged with timestamp, channel, and member details. Transparent records ready for every group meeting — no disputes.
Simple withdrawal process
Request and approve withdrawals with a clear, transparent process. Funds go straight to the destination account — visible to all members.
Up and running in minutes
No training required. If you can use WhatsApp, you can use Chama.
Set up your group & destination
Create your chama and add your payment destination — M-Pesa till, paybill number, or bank account. Then invite members with a simple link.
Members pay with one tap
Chama sends payment requests via WhatsApp, SMS, and email. Members tap Pay Now, approve on M-Pesa, and they are done. No app needed.
Track everything instantly
Payments appear in the dashboard the moment they land. Late fees apply automatically. Generate reports in seconds — no spreadsheets, ever.
Simple, honest pricing
Start for free and upgrade when your group is ready. No hidden charges.
Free
Perfect for small groups getting started
- Up to 10 members
- Contribution tracking
- Basic payment reminders
- Group dashboard
- Mobile-friendly
Starter
For growing groups that need more
- Up to 50 members
- Everything in Free
- Automatic late fee calculations
- WhatsApp & email notifications
- Withdrawal requests & approvals
- Contribution reports
Business
For serious groups managing large funds
- Unlimited members
- Everything in Starter
- Manage multiple groups
- Detailed financial reports
- Custom contribution schedules
- Priority customer support
All prices in Kenyan Shillings (KES). Cancel anytime.
Real people. Real results.
“We used to argue every month about who paid and who didn't. Since we started using Chama, all that drama is gone. Everyone can see exactly what's happening.”
“I used to spend my Sunday afternoons calculating late fees and sending reminders. Now I spend that time with my family. Chama does it all for me.”
“I can check my balance and payment history anytime from my phone. No more calling the secretary to find out if my payment was recorded. It's so much better.”
Collect faster.
Pay anywhere. Track everything.
Join thousands of Kenyan savings groups who send to any till, paybill, or bank — and never chase payments manually again. Free to start.