Pricing
Five tiers. The ledger is on all of them.
Free is really free — 5 groups and 10 passbooks cost nothing, forever, no card. Custom is quoted, not listed, and we’ll tell you why.
FREEBIE
₵0forever
For that collector starting out.
5 groups · 10 individual savings10 passbooks · 10 loans · 100 SMS/monthUnlimited customersUnlimited offline depositsMember portalDouble-entry ledger
Start freeSTARTER
₵90/month
For a collector who has outgrown the free plan.
10 groups · 50 individual savings50 passbooks · 50 loans · 600 SMS/monthMoMo collection prompts30-day free trialDouble-entry ledger
Start freePROFESSIONAL
₵170/month
For a growing collection business.
30 groups · 100 individual savings100 passbooks · 100 loans · 1,500 SMS/monthMoMo collection promptsBulk import30-day free trialDouble-entry ledger
Start freeENTERPRISE
₵350/month
For organisations with staff and structure.
50 groups · 500 individual savings500 passbooks · 500 loans · 2,200 SMS/monthMultiple staff with role permissions & audit log30-day free trialDouble-entry ledger
Start freeCUSTOM
Customquoted
For licensed lenders. Branches, staff and volume change the shape of the work — so we quote it.
Lending, PAR & provisioningMaker-checker dual controlYour own SMS Sender ID & white-labelUnlimited branchesDouble-entry ledger
Book a demoThe double-entry ledger appears on all five tiers. A savings business without one is a tracker, and we will not ship that.
Compare every feature
Every plan, every feature.
| Features | Freebie ₵0 forever | Starter ₵90 /month | Professional ₵170 /month | Enterprise ₵350 /month | Custom Custom quoted |
|---|---|---|---|---|---|
| Usage & limits | |||||
| Groups | 5 | 10 | 30 | 50 | Quoted |
| Savings plans | 10 | 50 | 100 | 500 | Quoted |
| Passbooks | 10 | 50 | 100 | 500 | Quoted |
| Loans | 10 | 50 | 100 | 500 | Quoted |
| SMS per month | 100 | 600 | 1,500 | 2,200 | Quoted |
| Offline deposits | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited |
| Savings & groups | |||||
| Group susu (cycles, slots, payouts) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Open & planned groups (join by link) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Savings plans (goals & schedules) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Savings plan groups | ✓ | ✓ | ✓ | ✓ | ✓ |
| Passbooks (cycles, fee modes, page tracking) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Withdrawal approvals | ✓ | ✓ | ✓ | ✓ | ✓ |
| Overpayment resolution | ✓ | ✓ | ✓ | ✓ | ✓ |
| Bulk import (members & balances) | — | — | ✓ | ✓ | ✓ |
| Lending | |||||
| Loans (apply → repay → settle) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Member loan self-application | ✓ | ✓ | ✓ | ✓ | ✓ |
| PAR by ageing bucket | — | — | ✓ | ✓ | ✓ |
| Provisioning runs | — | — | ✓ | ✓ | ✓ |
| Collateral tracking (liens, land, vehicles, guarantors) | — | — | — | ✓ | ✓ |
| Automated arrears & late fees | — | — | — | — | ✓ |
| Payments & collection | |||||
| MoMo payments (MTN, Telecel, AirtelTigo) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multi-gateway (Moolre, Hubtel, Paystack, LibertePay) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Offline collection | ✓ | ✓ | ✓ | ✓ | ✓ |
| MoMo collection prompts | — | ✓ | ✓ | ✓ | ✓ |
| Field agents (My book, My day, assignments) | — | — | ✓ | ✓ | ✓ |
| Agent cash reconciliation & commission | — | — | ✓ | ✓ | ✓ |
| Branches | — | — | — | ✓ | ✓ |
| Member portal | |||||
| Installable member portal (PWA) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Pay by MoMo in the portal | ✓ | ✓ | ✓ | ✓ | ✓ |
| Ghana Card verification | ✓ | ✓ | ✓ | ✓ | ✓ |
| Loan application & tracking | ✓ | ✓ | ✓ | ✓ | ✓ |
| Withdrawal requests | ✓ | ✓ | ✓ | ✓ | ✓ |
| Downloadable PDF statements | ✓ | ✓ | ✓ | ✓ | ✓ |
| Payout methods (apply-to-all) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multi-org identity / org switching | ✓ | ✓ | ✓ | ✓ | ✓ |
| Accounting & books | |||||
| Double-entry ledger | ✓ | ✓ | ✓ | ✓ | ✓ |
| Chart of accounts | ✓ | ✓ | ✓ | ✓ | ✓ |
| Journal drill-down | ✓ | ✓ | ✓ | ✓ | ✓ |
| Trial balance | ✓ | ✓ | ✓ | ✓ | ✓ |
| Settlements & provider balances | ✓ | ✓ | ✓ | ✓ | ✓ |
| Reports (collections, cashflow, revenue, balances) | ✓ | ✓ | ✓ | ✓ | ✓ |
| Branded CSV/PDF exports & registers | ✓ | ✓ | ✓ | ✓ | ✓ |
| Org books (expenses, month-end review, opening balances) | — | — | — | ✓ | ✓ |
| Team, control & security | |||||
| Multiple staff with role permissions (13 roles) | — | — | ✓ | ✓ | ✓ |
| Collect-only agent role | — | — | ✓ | ✓ | ✓ |
| Audit log (actor-typed) | — | — | ✓ | ✓ | ✓ |
| Maker-checker dual control | — | — | — | ✓ | ✓ |
| Organisation verification | ✓ | ✓ | ✓ | ✓ | ✓ |
| Growth & engagement | |||||
| Loyalty (tiers, points, leaderboard, discounts) | ✓ | ✓ | ✓ | ✓ | ✓ |
| SusuPal AI assistant | — | ✓ | ✓ | ✓ | ✓ |
| Automatic WhatsApp & SMS reminders | ✓ | ✓ | ✓ | ✓ | ✓ |
| Editable notification templates | — | ✓ | ✓ | ✓ | ✓ |
| Own WhatsApp number | — | — | — | — | ✓ |
| Platform & launch | |||||
| White-label (brand, colours, domain) | — | — | — | — | ✓ |
| Assisted migration service | — | — | — | ✓ | ✓ |
The awkward questions, answered directly.
Is free really free?
Yes. 5 groups and 10 passbooks cost nothing, forever. No card, no trial clock, no sales call. It exists for the collector starting out alone.Is there a free trial on the paid tiers?
Yes. Starter, Professional and Enterprise each come with a 30-day trial before billing starts. Freebie has no trial clock because it never expires.What happens when I outgrow a limit?
You’ll see it coming — quotas are visible in the console — and upgrading moves nothing. Same system, same ledger, same records.Can I buy more SMS?
Yes. SMS comes in credit bundles with a custom sender name, and the system warns you before you run low.Will you help me move my records?
Yes. Bulk import handles member lists and balances, and there is a migration service for bringing an existing book across. “I already have 400 members on paper” is the objection we hear most — it’s solved. See how migration worksWhy does Custom have no price?
Because branches, staff and volume change the shape of the work. A two-branch lender and a twelve-branch lender are not the same customer, and pretending otherwise produces a number that is wrong for both. Book a demo and we’ll quote it.Start free, or see it against your own book.
Both routes are real. Neither is the consolation prize.