Transparent Kenyan Cooperative Pricing
Predictable, Fair Pricing
Zero hidden transaction commissions. Pay a flat, affordable subscription tailored to your organization's exact scale with free setup assistance.
Merry-Go-Rounds
Starter Chama
Ideal for small family chamas & community rotators
KES 1,500
/ month
- Up to 30 Active Members
- Automated Member Savings Ledgers
- Merry-Go-Round Turn Rotation Scheduler
- Personal Member Statement Portals
- Monthly Financial PDF Reports
Most Popular
Investment Syndicates
Growth Chama
For table banking, land buying & lending groups
KES 3,500
/ month
- Up to 120 Active Members
- Safaricom Daraja 2.0 STK Push Automation
- 3-Way Loan Guarantorship & Pledges
- Benevolent Welfare Fund & Claims Matrix
- Immutable Forensic Audit Log System
- Automated Dividend Share Calculator
Registered Cooperatives
Enterprise SACCO
For SASRA-regulated SACCOs and large syndicates
KES 8,500
/ month
- Unlimited Members & Branches
- Full SASRA Tier 1–4 Regulatory Returns
- Custom Multi-Product Loan Underwriting
- High-Volume M-Pesa B2C Payout Disbursals
- Dedicated Account Manager & 99.99% SLA
Frequently Asked Pricing Questions
Are there any hidden transaction fees on our M-Pesa collections?
Zero! ChamaFlow does not charge percentage commissions on your group's hard-earned contributions. You connect your own Safaricom Paybill or Till number directly, and standard Safaricom tariff rates apply between you and Safaricom.
Can we upgrade or downgrade as our membership fluctuates?
Yes, anytime! Your billing adjusts seamlessly without any interruption to your ledger history or member access.
Do you offer physical in-person training in Nairobi and across Kenya?
Yes. For Growth and Enterprise plans, our cooperative advisors conduct on-site onboarding for your Executive Committee and Treasurer in Nairobi, Mombasa, Kisumu, Nakuru, and Eldoret.