M-Pesa & SMS built-in

Run your chama like a fintech.

ChamaPesa gives your savings group a real banking experience — contributions, loans, payouts, meetings and SMS, all in one platform.

M-Pesa
STK + B2C
SMS
HostPinnacle
RLS
Bank-grade
Mwangaza Chama
KES 1,284,500
+ KES 42,000 this week
Jane W.
Contribution
+ 5,000
Peter K.
Contribution
+ 5,000
Mary A.
Loan payout
- 20,000
John M.
Repayment
+ 2,400

Everything your chama needs

From the first contribution to the last loan repayment.

M-Pesa Contributions

Members contribute with STK Push. Receipts and SMS sent automatically.

Loans & Repayments

Apply, approve, disburse via B2C and track every repayment.

Withdrawals

Members request, treasurer approves, M-Pesa pays out instantly.

Meetings & Minutes

Schedule sittings, mark attendance and record minutes in one place.

Bulk SMS

HostPinnacle integration broadcasts reminders, receipts and announcements.

Role-Based Access

Admin, treasurer, secretary and member — each sees exactly what they should.

How it works

01
Create your chama
Set contribution amount, frequency and rules.
02
Invite members
Members sign in and join their wallet.
03
Contribute via M-Pesa
STK Push collects funds in seconds.
04
Loans & payouts
Approve and pay out automatically via M-Pesa.

Free while you grow

Start with up to 50 members at no cost. Upgrade only when you scale.