Simple pricing, set by your member count
One monthly subscription based on how many members your SACCO has. The member app is always free for members. These are launch prices for our first cohort — pilot SACCOs pay no subscription for their first 90 days.
Three tiers, one price list
For small and community SACCOs getting off desktop software.
For an established SACCO growing its loan book.
For large SACCOs and multi-branch operations.
What onboarding costs, and what you pay for as you go
| Tier | Setup fee | What it covers |
|---|---|---|
| Micro | KES 20,000 | Moving your member data from spreadsheets, admin setup |
| Growth | KES 50,000 | Cleaning up data from your current system, staff training sessions |
| Enterprise | KES 150,000 | Multi-branch setup, deeper integration with your current systems |
Billed monthly in arrears — you pay for what you use.
| Service | Price | Note |
|---|---|---|
| Bulk SMS | KES 1.00 per SMS | Reminders, alerts, statements and campaigns |
| Credit bureau check | KES 150 per check | Available once our bureau integration goes live — you pay only when a check is run |
| SACCO | Usage assumed | Monthly bill | Per member |
|---|---|---|---|
| Micro, 400 members | 2,000 SMS, 10 credit checks | KES 18,500 | About KES 46 |
| Growth, 2,500 members | 15,000 SMS, 150 credit checks | KES 82,500 | KES 33 |
| Enterprise, 12,000 members | 80,000 SMS, 800 credit checks | KES 320,000 | About KES 27 |
These are illustrations, not quotes. They leave out the one-time setup fee and Safaricom’s own M-Pesa charges. Before a demo, add up what you spend today on software licences, SMS gateways, reconciliation time and report preparation, and compare.
No fee on member payments at launch
We do not charge a fee on your members’ M-Pesa payments at launch. Safaricom’s own charges on your paybill and payouts still apply, and you pay those directly to Safaricom.
We plan to introduce a small platform fee on payments later. We’ll do that only after we hold the authorisation the Central Bank of Kenya requires for it, and only after giving every SACCO 60 days’ written notice.
Planned, not available yet
These aren’t available yet — shown so you can see where we’re heading. Pilot SACCOs get early access and a say in what we build first. Prices may change before release, and you’re never charged for a module before it’s available and you’ve switched it on.
No surprises in the fine print
- The first term is 12 months and renews each year. Either side can end it with 60 days’ notice before the term ends.
- The subscription is billed monthly in advance. Usage is billed monthly in arrears. Invoices are due within 7 days.
- We give 60 days’ written notice of any price change, and review prices once a year.
- Your data stays yours. If you leave, we return it within 14 days.
- Full terms are in the Master Service Agreement, which we send before you commit.
Prices are in Kenya shillings.
No. The app is free for members.
No fees beyond those on this page. Safaricom charges its own tariffs on your paybill and payouts, paid directly to Safaricom.
Our cost to run the platform for you grows with your members, and a flat tier is easier for a board to budget than a per-transaction charge.
Yes, at any time, at no charge.
We’re open to it for apex bodies, unions and groups onboarding several SACCOs together — ask us.
See it with your own loan products
Book a 45-minute walkthrough. We reply within two working days.