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Beep Chama · Savings groups · Early access
Beep Chama keeps your group’s contributions, loans, merry-go-round and meetings in one app. Members pay by M-Pesa into the chama’s own paybill or till, get a receipt by SMS, and see exactly where the money is. Officials approve loans and withdrawals together, so no one person holds all the keys.
● Android & iPhone
The Beep Chama app
Members see the group balance, their savings and what’s due; officials approve together; payouts wait for two approvals. One login works for every chama you belong to.
Everything a chama needs
Weekly or monthly schedules per member, paid by M-Pesa with the member number as the account. Matched automatically, with an SMS receipt and gentle reminders.
A clear rota of who receives each cycle, with every payout recorded for all to see.
Members apply in the app, guarantors confirm, two officials approve. Interest and repayments are worked out for you.
Late payment and missed meeting fines added automatically, by the rules your group sets.
Agenda, attendance and minutes, and decisions by poll in the app.
End-of-year share-out worked out from each member’s savings, plus a welfare fund.
Every member sees the group balance, money in and out, and their own statement.
Belong to a women’s group, a bodaboda welfare and a family chama? Switch between them with one phone number and PIN.
Payments go straight to the chama’s own M-Pesa or bank account. Beep never holds your money.
Loans, merry-go-round payouts and withdrawals go out only after two officials approve: sent automatically by M-Pesa from your chama’s own account, or paid by the treasurer and recorded.
Officials and the member get an SMS when a payout is approved, sent and received, so nothing moves quietly.
Simple pricing
The chama pays; members use the app free. SMS is pay as you go from prepaid credits. Prices exclude VAT.
Up to 20 members
KSh 300/month
Excl. VAT · early access
Most popular
Up to 50 members
KSh 500/month
Excl. VAT · early access
Up to 150 members
KSh 1,000/month
Excl. VAT · early access
More than 150
KSh 2,000/month
Excl. VAT · early access
Most cloud software keeps every customer in one big shared database. With Beep Africa, every business gets its own isolated system with its own files and its own database. Your data never sits next to anyone else’s.
Your records are never stored next to another business’s.
Documents, payslips and photos live in your own space.
Each system is isolated from every other, so one business’s problem can’t reach yours.
Encrypted backups, and a full export of your data when you need it.
How it works
In the app: name, officials and your M-Pesa paybill or till.
Each member confirms with a one-time SMS code; no one is added without saying yes.
Contributions, fines, loan interest and the merry-go-round order.
Members pay by M-Pesa and everyone sees the books.
FAQ
Online now · 24/7Our Nairobi team answers calls, WhatsApp and email day and night.
Call us+254 725 333 888WhatsAppChat with our teamContactSend us a messageNo. Members pay straight into your chama’s own M-Pesa paybill, till or bank account. Beep Chama records and matches the payments; it never holds the funds.
No. Withdrawals and loans need two officials to approve, so no single person controls the group’s money.
After the second approval, Beep Chama can send the money automatically by M-Pesa from your chama’s own account, only to the member’s registered number and within limits you set. This needs a B2C-enabled M-Pesa number from Safaricom. Without it, the treasurer pays and records the M-Pesa or bank reference. Either way, every official and the member get an SMS.
No. One phone number and PIN works for every chama you belong to; you switch between them in the app.
Every member sees the group totals and their own statement. Whether members see each other’s figures is your group’s choice.
Beep Chama is in early access. Talk to our team to be among the first groups to use it.
Talk to a human
Tell us what you need and our team will set up your account and get you live quickly.
