For agencies, cooperatives and groups
Collect money from a group. Prove every naira.
Instalments, ajo, dues, package plans — whatever your people are paying towards, PaySahbi gives each person their own account number, matches every payment the moment it lands, and sends the receipt. Nobody sends you a screenshot again.
What people use it for
Different shapes of the same thing: a group of people paying towards something, and one honest record of it.
Package plans
A fixed price paid in bits over months. Umrah and Hajj, school fees, a plot of land, a car.
Ajo circles
Everybody pays each cycle, one person collects each cycle. Also called esusu or adashi.
Group pools
A set of people gathering money for one purpose. Aso-ebi, a group gift, a project levy.
Dues and levies
One-off payments with a payer list and a deadline. Association dues, class contributions.
How it works
Three steps, start to finish.
- 1
You set up the plan
Set the total, the dates and how often people should pay. PaySahbi turns it into a link you can send to anybody.
- 2
Each person taps the link
She sees her plan straight away — what she pays, when, and what is left. It works inside WhatsApp, so nobody has to install anything.
- 3
Payments match themselves
Each person pays into her own account number, so PaySahbi knows whose money it is. She gets a receipt, and you see who is on track without asking anybody for proof.
For agencies, cooperatives and groups
Built for the person who currently reconciles a WhatsApp group full of screenshots against a bank statement.
An account number for every customer
Each customer pays into a number that belongs to her alone. No reference codes to remember, nothing to match by hand.
Automatic matching
Money lands, PaySahbi knows who sent it, and the receipt goes out. You are not in the loop.
See who is on track
One view that answers the question you cannot answer today: how many people are fully paid for this batch?
Money released at milestones
Funds reach you in tranches as you mark off the milestones you agreed with your customers, not all at once and not at random.
Request a pilot
Four questions. A person reads every one of these and replies within one business day.
Trust and safety
Your customers are being asked to send money for something months away. Here is why they can.
PaySahbi is built never to hold the money
There is deliberately no account in our books that could mean “PaySahbi’s own balance”. Customer money is held by a licensed custodian in a trust account — we keep the record, not the money.
The rules are shown before anybody commits
What she pays, when each payment is due, what happens if she misses one, and the rules for leaving the plan — all on screen before she pays the first naira.
Organisations are paid against milestones
Money reaches the organisation in tranches as it marks off what it agreed with its customers, each tranche evidenced and approved — not all at once and not at random.
Common questions
- Is my money safe?
- PaySahbi is built so your money never sits on our own books — it is held by a licensed custodian in a trust account, and released to the organisation against the milestones it agreed with you. You can see what you have paid and what is left at any time. PaySahbi is not a bank, and the money you pay in is not a bank deposit.
- Do I need to download an app?
- No. Everything works inside WhatsApp — joining a plan, paying, and getting receipts.
- What if I miss a payment?
- You will see exactly what is outstanding and can catch up. The rules for your plan, including what a missed payment means, are shown to you before you join, so there are no surprises.
- What does it cost?
- Savers pay no PaySahbi fee to join a plan or to make a payment. The organisation pays our fee, and we agree it with them during the pilot.
- Will PaySahbi ever ask for my PIN?
- Never. PaySahbi will not ask for your PIN in a chat message or on a call, and will never ask for your BVN, NIN or card details in chat.