Everything you need to know about ChamaPay and chama management
ChamaPay is a digital platform that helps Kenyan chamas (savings groups) manage contributions, loans, member records, and financial reporting online. It integrates with MPESA for automated payments, sends SMS notifications, and provides real-time dashboards for group finances.
ChamaPay offers a free trial to get started. After the trial, you can choose from Basic, Pro, or Enterprise plans based on your group size and needs. All plans include MPESA integration, loan management, SMS notifications, and financial reporting. Visit our pricing page for current rates.
Yes. ChamaPay integrates directly with MPESA for automated contribution collection, loan disbursement, and payout processing. Members can pay via MPESA and transactions reflect instantly in their accounts. No manual recording needed.
Yes. ChamaPay includes a full loan management system with application workflows, approval processes, interest calculation (reducing balance or flat rate), repayment schedules, automated SMS reminders, and detailed loan ledgers. Members can apply for loans through their portal.
Absolutely. ChamaPay uses encrypted connections (HTTPS), secure database storage, session-based authentication, and role-based access controls. Each chama's data is isolated in its own database. We follow Kenyan data protection best practices and regularly audit our security.
Group admins add members through the dashboard. Each member receives an SMS with their login credentials. Every member gets a personal portal where they can view their contributions, loan balance, statements, and group announcements.
Yes. ChamaPay sends automated SMS reminders for contribution due dates, loan payment deadlines, meeting reminders, and account activity. Both members and admins stay informed in real time, reducing missed payments and improving group communication.
Yes. ChamaPay generates comprehensive reports including member statements, contribution summaries, loan ledgers, trial balance, income and expense reports, and data exports for audit purposes. Reports can be filtered by date range and member.
We offer email support at support@chamapay.co.ke and phone support at +254 725 124 166. We also have a WhatsApp line for quick queries. Our team is available during business hours and we typically respond within a few hours.
Yes. We offer a free trial period so you can explore all features before committing. Set up your chama, add members, test MPESA integration, and run reports — all during the trial. No credit card required.
