Discover every tool and capability built into ChamaPay. From savings management to automated compliance, we've got everything your chama needs to thrive.
Automated tracking of regular member savings with real-time balance updates and comprehensive history.
Dedicated welfare fund management for emergency support, medical assistance, and bereavement benefits.
Manage group investment projects with dedicated contribution tracking and progress monitoring.
Intelligent system to track, calculate, and recover missed contributions with automated reminders.
End-to-end loan management from application to disbursement with automated workflows.
Flexible interest calculation with customizable rates and automated repayment scheduling.
Comprehensive guarantor tracking with liability management and notification system.
Direct loan disbursement to member MPESA accounts with B2C integration.
Automated default detection with letter generation and recovery workflows.
Smart allocation of overpayments with wallet system and automatic redistribution.
Additional loans for existing borrowers with refinancing options.
Insurance integration and group guarantee schemes.
Seamless payment collection with automated MPESA STK Push to member phones.
Paybill number integration for direct member payments with automatic reconciliation.
Send money directly from business account to member MPESA accounts.
Intelligent payment routing based on account number keywords and patterns.
Automatic fine generation for various violations with customizable penalty amounts.
Track and process fine payments with automatic balance updates and notifications.
Smart deduction of fines from member contributions with transparent reporting.
Comprehensive fine management reports and dashboard analytics.
Automated dividend calculation based on member contributions and organizational profits.
Process dividend payments with multiple payout options and comprehensive tracking.
Track share purchases, capital calls, and member share holdings.
Comprehensive dividend reporting and distribution analytics.
Create and manage meetings with automated notifications and RSVP tracking.
Digital attendance recording with automatic fine imposition for absences.
Record, store, and distribute meeting minutes with member access.
Insightful reports on meeting attendance and member engagement.
Complete member lifecycle management from application to active membership.
Comprehensive member profiles with KYC document management.
Automated membership renewal tracking with reminders and status updates.
24/7 self-service portal for members to access their accounts.
Automated detection of inactive members with termination and extension workflows.
Multi-level access management for committee members and administrators.
Automated and bulk communication tools for member engagement.
Comprehensive insights into member demographics and activity patterns.
Monitor compliance documents with automated renewal reminders.
Automated generation of show cause letters for violations and non-compliance.
Professional loan agreement generation with terms and conditions.
Manage chama elections with automated notice generation and distribution.
30+ SMS templates for every system event and member interaction.
Customizable SMS templates with variable substitution for personalized messages.
Monitor SMS delivery status with retry mechanism for failed messages.
Track SMS credits, set low balance alerts, and manage SMS purchases.
Comprehensive financial reporting with export capabilities.
Detailed member activity and performance reports.
Track compliance metrics and organizational health.
Build custom reports with filters, groupings, and custom field selections.
Bank-grade security with OTP and role-based access.
Complete activity logging for compliance and security.
Enterprise-grade data security and backup systems.
Real-time security monitoring and threat detection systems.
Track multiple bank accounts with reconciliation tools.
Track organizational expenses with categorization and approval workflows.
Queue for payments that couldn't be automatically matched to members.
Real-time cash position tracking and forecasting.
Support multiple chamas on a single platform with complete data isolation.
Platform-wide management with subscription and tenant oversight.
Granular control over which features each tenant can access.
APIs and webhooks for platform-wide integrations and third-party services.
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