Changa Changa

Run your chama without the headaches.

Track contributions, pay out rotations, and keep the group in the loop. All over M-Pesa, all in one place.

See how it works

M-Pesa native · Swahili & English · Works on any phone

9:41
Changa Changa
Cycle 3 · March
KES 24,000
collected this cycle
  • New
    Join 10,000+ chamas
    Pamoja, tunaweza.
  • Dual control
    Two admins sign off withdrawals.
  • One-tap PDF
    Share the ledger in seconds.
GW
Grace Wanjiku
KES 2,000
paid
JK
James Kamau
KES 2,000
paid
AS
Amina Said
KES 2,000
pending
PO
Peter Otieno
KES 2,000
paid
Nia Achieng
KES 2,000
pending
Made in Kenya, for chamas
Built for the real way chamas work
  • Kenyan‑built
    Daraja, KES, Safaricom-first
  • Works on 2G
    SMS fallback for every action
  • Bank‑grade security
    AES‑256 encryption at rest
The problem

WhatsApp groups and notebooks weren't meant to move money.

Screenshots get lost. The treasurer's notebook walks out the door. Someone always forgets whose turn it is. And when a member stops contributing, nobody has a clean record of what's owed.

What you get

Everything your chama needs. Nothing it doesn't.

  • Built for the chairperson

    Roles, invites, randomised payout order, and a live board that shows who has paid, without a single screenshot.

  • M-Pesa native

    STK Push contributions, B2C payouts, automatic receipts by SMS. Your paybill or ours. You choose.

  • Trust, tracked

    Every member gets a rolling trust score that rewards paying on time. Loans and credit follow naturally.

  • Group chat that remembers

    Announcements pinned for admins, normal chat for everyone, kept forever. No more "that was in the old group."

  • Shared wallet + loans

    A group pocket with dual-control withdrawals. Issue internal loans, track repayments, and watch the float.

  • PDF reports in one tap

    Contribution statements, cycle summaries, full group ledger, delivered by SMS link, ready for any bank.

How it works

Set up in under 5 minutes.

  • 1
    Create your chama

    Name it, pick a contribution amount, invite members with an 8-character code.

  • 2
    Members join & contribute

    Everyone pays by M-Pesa. The board updates the moment Safaricom confirms.

  • 3
    Rotations run themselves

    Payouts happen in a randomised or agreed order. The system reminds, receipts, and records.

  • 4
    You stay in charge

    Pull a statement anytime. The group's money and history belong to the group. Always.

Who it's for

Every role, covered.

  • The chairperson

    Lead without the paperwork. Start cycles, manage members, and see the full picture at a glance.

  • The treasurer

    No more late-night reconciliation. Every shilling is tagged, every withdrawal needs two approvers.

  • The member

    Pay in one tap. See what you owe, what you've paid, and when it's your turn to receive.

Trust & security

Your group's money, handled right.

  • Money moves through M-Pesa, not us

    Direct Safaricom rails. You can use your own paybill from day one if you prefer.

  • Encrypted at rest

    AES-256-GCM on everything sensitive: credentials, KYC documents, secrets.

  • Dual control on withdrawals

    Two admins must sign off before group funds leave the wallet. No single person can move money alone.

FAQ

Common questions.

No. You can collect through the Changa Changa paybill (1.0% per payment) from day one. If your chama has its own paybill, plug it in for 0.5% instead.

Members pay nothing to use the app. The small per-payment fee is on the contribution itself, paid once when money comes in.

They still get SMS receipts, reminders, and a Magic Pay Link. One tap on any phone with M-Pesa. No app required.

The group does. Export a full statement anytime. If you ever leave, you take your records with you.

Only briefly, and only if you use our paybill. Payouts settle to the group's own paybill as soon as Daraja confirms.

Ready to stop chasing screenshots?

Start a chama in under 5 minutes. No card, no commitment. You only pay when money moves.