See every contribution. Never touch the money.
Jamii Pay tracks and reconciles what your group collects automatically. Every payment goes straight to your own M-Pesa Paybill or Till, matched to the right person the moment it lands.
No card required. Your Paybill or Till stays yours from day one.
Non-custodial by design. Jamii Pay never holds, moves or has access to your group's money. It only records and reconciles what already arrived.
How it works
Four steps, no spreadsheets
Set up once. From then on, every payment reconciles itself.
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1
Add your Paybill or Till
Connect the M-Pesa account your group already owns. Jamii Pay never changes where the money goes.
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2
Create a collection
Monthly dues, a welfare fund, a funeral contribution or an event. Set a target, a due date, or neither.
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3
Share the payment link
One link, shared on WhatsApp or anywhere else. Contributors pay with their own M-Pesa PIN.
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4
Watch it reconcile itself
Every payment is matched to the right person automatically, with a clear queue for the rare one that needs a human look.
Who it's for
Any group that collects money together
If your group tracks contributions in a notebook, a shared spreadsheet or a treasurer's memory, Jamii Pay replaces that without changing how the money moves.
Chamas and investment groups
Monthly contributions, merry-go-rounds and shares, tracked per member automatically.
Welfare and funeral groups
Raise support fast, see who has given, and show full transparency without a single spreadsheet.
SACCOs and savings circles
Member deposits reconciled against your own Paybill, with a full audit trail for every shilling.
Churches
Tithes, offerings and building funds, collected on your own Till and reported automatically.
Event and fundraising committees
Weddings, send-offs and harambees with a public progress bar so contributors see momentum build.
Alumni and school groups
Class projects, school fees drives and reunions, with dues reminders sent for you.
Features
Everything a treasurer actually needs
Built around what makes a group's books trustworthy, not just a payment button.
Automatic reconciliation
Every M-Pesa payment, whether it came through a link or straight to your Paybill, is matched to a person without anyone typing it in.
Dues, targets and arrears
Set an expected amount and a due date, and see exactly who is behind, at a glance.
SMS and WhatsApp reminders
Automatic payment reminders and receipts, with your own thank-you message, using your own words.
Roles for every member
Admins, treasurers, auditors and members each see exactly what they should, nothing more.
Expense ledger
Record what the group spends alongside what it collects, so the full picture lives in one place.
Multiple accounts and webhooks
Run a Till for events alongside your main Paybill, and send payment events straight to your own tools.
Simple pricing, built for real groups
We are finalising pricing with our first groups. Get in touch and we will set your group up free while we do.
Start your group freeQuestions
Before you start
Does Jamii Pay hold our money? +
No. Every contribution goes straight to your group's own M-Pesa Paybill or Till. Jamii Pay never touches, holds or moves the money. It only reads what M-Pesa confirms and matches it to the right person.
Do we need our own Paybill or Till already? +
Yes, you bring the Paybill or Till your group already uses or sets up with Safaricom. Jamii Pay connects to it. We never issue or control the account.
What happens to a payment that doesn't match anyone? +
It shows up in a clear "needs review" list, usually because someone paid on a relative's behalf. A treasurer picks the right person in a couple of taps, and nothing is ever silently lost or guessed at.
Can every member see our books? +
No. Only admins, treasurers and auditors see contributor details and payment history. Ordinary members see the collections they can pay into, nothing more.
Is our data safe? +
Connections are encrypted, passwords are never stored in plain text, and every request is checked against who you are and which group you belong to. Read the privacy policy for the full detail.
How much does it cost? +
We are setting final pricing alongside our first groups, and it will be a simple flat price per group rather than a cut of what you collect. Sign up now and we will let you know before anything changes.
Mobile app
Take it with you
The same Jamii Pay, in your pocket. Both apps are in review now.
Ready to stop chasing contributions by hand?
Set your group up in a few minutes. Your Paybill or Till stays yours the whole time.