10-minute setup

From zero to your first
M-Pesa contribution in minutes

Whether your chama is 5 members or 500, Chamabox replaces the WhatsApp group, Excel sheet and bank reconciliation in one modern dashboard.

1

Create your chama account

Sign up in under 60 seconds — name, phone, email. No credit card needed. You get a unique dashboard at yourchama.chamabox.com.

2

Configure your contribution rules

Set monthly contribution amounts, welfare fund, loan interest rate, late-payment fines, fiscal year, and meeting day. Different rules for different member tiers? No problem.

3

Invite or import members

Bulk upload your member list from Excel or CSV, or send SMS invites one at a time. Each member gets a personal login to view their statement.

4

Connect M-Pesa Paybill / Till

We plug into Safaricom Daraja. Members pay via Paybill, Till, or STK Push and Chamabox auto-matches the payment to the right member — no more reading 200 SMS confirmations.

5

Approve loans with rules

Loan eligibility runs automatically: 3× savings ratio, max active loans, grace period. Approve in two clicks. The repayment schedule is generated instantly.

6

Reports for AGM, audit, members

PDF and Excel statements per member, per period, or for the whole chama. Welfare reports, expense breakdowns, loan portfolio aging — ready in seconds.

Common questions

Real questions from chama treasurers, secretaries, and chairpersons.

Do members need to download an app?

No. Chamabox works on any phone or computer browser. Members get an SMS link, log in, and see their balance instantly.

Is M-Pesa integration free?

Safaricom charges its standard transaction fee. We charge a small platform fee of KES 5 per STK push (or 0.5% on Paybill collections) — far less than the cost of manual reconciliation.

Can we keep our existing Paybill number?

Yes. We integrate with your registered Paybill. We can also help you apply for a new one if needed.

What happens to our data if we cancel?

You own your data. Export a full Excel dump of members, contributions, loans and reports anytime — and we delete our copy on request.

Can we use it offline?

The treasurer dashboard requires internet, but member statements can be sent via SMS — useful for upcountry meetings.

Is this only for SACCOs?

No. We power chamas, welfare groups, investment clubs, table-banking groups, church groups, and small SACCOs.

Ready to retire the Excel sheet?

Try the live demo with real sample data — no signup, no credit card.

Launch Demo →
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