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ChamaCore is designed for any group-based financial organisation in Kenya — investment Chamas, registered SACCOs, welfare groups, table banking groups, and credit co-operatives. If your group pools money and needs proper records, ChamaCore works for you.

No. Our onboarding wizard guides you through every step in plain language. Most groups are fully set up in under 30 minutes. We also offer free onboarding calls for Pro and Max plan subscribers.

Yes — the Pro and Max plans support unlimited concurrent loan products with independent interest structures (reducing balance or flat rate), repayment schedules, and penalty engines.

Members access their balances, loan status, and contribution history through a mobile-optimised web portal. A dedicated native app is on our roadmap for later this year.

All plans include email support. Pro plan subscribers get priority email responses within 12 hours. Max plan subscribers receive 24/7 dedicated support via phone, WhatsApp, and chat with a named account manager.

Yes. Every new organisation gets access to our getting-started guide and video walkthroughs. Pro and Max subscribers can book a live 1-on-1 onboarding call with our team at no extra cost.

Our system automatically retries failed Daraja callbacks up to three times with exponential backoff. If a payment still can't be reconciled, a support ticket is auto-raised and our team is notified within 15 minutes.

ChamaCore runs on managed cloud infrastructure and we process personal data in line with the Kenya Data Protection Act 2019. Some of our hosting and service providers may process data outside Kenya, with safeguards described in our Privacy Policy.

Only verified administrators within your organisation can access member personal data. ChamaCore staff cannot view member financial records unless explicitly invited for support purposes, and all such access is logged.

Yes. You can export all your data at any time in CSV or PDF format from your admin dashboard. If you close your account, all data is permanently deleted from our servers within 30 days in line with ODPC requirements.

KYC documents (IDs, photos) are encrypted with AES-256 and stored in isolated per-organisation vaults. IPRS verification results are cached for compliance but raw documents are never shared with third parties.

Subscriptions are billed monthly or annually via M-Pesa Paybill. You'll receive an STK Push prompt on your billing date. All receipts are automatically logged in your account dashboard.

Yes. You can switch from monthly to annual at any time to start saving 20%. The change takes effect from your next billing cycle and we'll credit any unused days from your current month.

If your subscription payment fails, you'll receive an SMS and email alert. Your account remains active for a 7-day grace period, during which you can retry payment. After 7 days, the account is suspended — no data is deleted.

Refunds may be considered for duplicate payments, verified billing errors, unauthorized transactions, or significant technical issues that prevent access to paid services. Each request is reviewed based on the circumstances, our refund policy and applicable consumer-protection laws. Generally, we do not provide refunds for changes of mind, failure to cancel a subscription before renewal, or dissatisfaction with features that were accurately described before purchase, except where required by law or our published terms. To request for refund, contact our support team with your registered email address, payment reference, the amount paid and a brief explanation of the issue to billing@chamacore.co.ke.