Set it up once. Collect for good.
Four steps for the admin, four for each member. After that, the dues simply arrive in your group's account.
From sign-up to collecting in an afternoon.
- 1
Create your organization
Sign up with your phone number and name your group. You become its admin, on the Free plan until you choose otherwise.
- 2
Connect your payout account
Pick your bank or mobile-money provider and enter the account number. Paystack resolves the account name; you confirm it, and your group's subaccount is created.
Members can't pay until this is connected — money never arrives with nowhere to go.
- 3
Set the amount and schedule
Choose how much each period costs and how often it is due, decide whether members or the group cover the transaction charges, add the payment details members should see, and write your contribution policy.
- 4
Upload your roster
Import an Excel or CSV file of names and phone numbers, or add members one by one. The roster decides who can register.
From the roster to receipted.
- 1
Register with your phone
Enter the number your admin put on the roster. An SMS code confirms it's you, then you set a password.
- 2
Accept the policy
Read your group's contribution policy and accept it. If the admin publishes a new version, you'll be asked again.
- 3
Choose what to pay
Select one or several unpaid periods, or enter a voluntary amount. You see the contribution, the service charge and the total before continuing.
- 4
Pay by MoMo or card
Paystack checkout opens for the exact amount. When it succeeds your dashboard updates and the periods are marked paid.
Settlement is idempotent on the Paystack reference — a payment can never be counted twice.
Every charge, before anyone pays.
Pick a plan, an amount and who covers the charges. By default they're added on top, so a GH₵50 contribution lands as GH₵50 — to the pesewa. Bigger plans pay a lower platform fee, and voluntary contributions carry none.
Your group's plan
Type
Charges paid by
Paystack 1.95% · platform fee by plan, never more than GH₵10 a payment, none on voluntary contributions. An illustration — the app always shows the exact figure, priced by the server, before anyone pays.
Member pays
GH₵52.02Group receives
GH₵50.00- To the group's account
- GH₵50.00
- Paystack processing (est.)
- GH₵1.02
- Platform fee2%
- GH₵1.00
Added on top for the member: GH₵2.02
One payment, end to end.
Member pays
Ama · Jul – Sep dues
GH₵156.05
Checkout
Paystack · MoMo or card
Verified
Settled to the group's own account
JHS 2 Gold · subaccount
GH₵150.00
Service charge
Paystack fee + platform fee
GH₵6.05
Exact to the pesewa. The group set GH₵150.00 and receives GH₵150.00.
Shown before paying. Members see the charge as its own line — or the group can choose to cover it instead.
Never pooled. Money moves from Paystack to the group — there is nothing for anyone to withdraw.
SMS only when it matters
Codes for registration and password resets — counted against your plan's credits.
Confirmed twice
A signed webhook and a client-side verify both settle the payment; whichever lands first wins.
Paystack's schedule
Your share settles to your account on Paystack's normal settlement cycle.
Set it up once. Collect for good.
Create your organization, connect your payout account, and invite your members — the Free plan runs one group of up to 30 members, forever.