Pamoja Pay brings your savings, loans, expenses, and governance into one modern platform. Members get a self-service portal. Managers get real-time control.
Manual records, spreadsheet errors, no member self-service, no audit trail — these problems cost your SACCO every day.
Staff spend hours every week reconciling savings and generating reports that a system should handle automatically.
Excel errors and corrupted files put months of records at risk with no version history and no recovery.
Dozens of avoidable calls every week asking for information members should be able to check themselves.
When auditors arrive there is no clear record of who did what and when — a serious compliance risk.
One platform for everyone — members, managers, treasurer, and auditor. Each role sees exactly what they need.
Start with the essential base. Add only the modules your SACCO needs. Pay once — own it forever.
Digital profiles, next of kin, status tracking & member search.
All contribution categories with real-time balances and full history.
Self-service login — check balances, view statements, update profile.
Member list export and full PDF savings ledger report.
Email, SMS & WhatsApp reminders per month, included.
Treasurer, Finance, Admin & Auditor roles with PIN auth.
Buy any combination. Add more any time. No recurring fee per module.
Full lifecycle: application, 4-step approval, repayment schedules, overdue & NPL tracking.
Record, approve & monitor all expenses with service provider directory.
Track portfolios, monitor returns, distribute dividends automatically.
Anonymous digital polls for board elections and AGM resolutions.
Next of kin, auto payout calculator for death, illness & disability.
Cloud repository for minutes, AGM docs, member and loan documents.
Full audit trail, income statement, balance sheet & final approvals.
One-click complete professional AGM document — all financials included.
Staff work without internet. Changes auto-sync when back online.
One mandatory base. Nine optional modules you buy once and own forever. One simple monthly fee. No hidden costs.
From sign-up to live in days, not months.
Choose your plan and share your SACCO details. Takes under 10 minutes.
We import your member data from Excel, paper, or any existing system.
On-site or virtual training tailored to each role in your SACCO.
Members get login access and can immediately start using the portal.
“Manual reconciliations used to take our treasurer every Saturday. Now it is done in under 30 minutes. Our members love the self-service portal.”
“Automated reminders before due dates changed everything. Members pay on time and our loan book is healthier than it has ever been.”
“Our AGM was completely paperless. Reports, digital voting, real-time audit access — everything our auditor needed was right there.”
Join SACCOs across Uganda that have made the move to digital management.
Click any module below to see what it does and how it helps your SACCO.
Every member gets a complete digital profile including their photo, national ID, contact details, employer information, and next of kin.
Each member's contributions are tracked across all categories separately, giving your treasurer and members a clear real-time picture of every balance.
Manage the complete loan lifecycle in one place — from a member's initial application all the way to final settlement.
Every loan automatically gets a full repayment schedule so members know exactly what they owe and when.
Pamoja Pay automatically tracks overdue loans, applies configured penalties, and classifies your loan portfolio by risk level.
Every SACCO expense is recorded, categorised, and where required passed through an approval process.
Track your SACCO's external investments and automatically distribute returns to members at year end.
Conduct fully digital elections and resolutions for your board, AGM, or any special resolution.
Every action taken in Pamoja Pay is permanently recorded. Nothing can be changed or deleted without a trace.
Your members get their own secure portal where they can do everything themselves with no calls to the office.
One base. Nine optional modules. One monthly fee. No hidden costs. No per-transaction fees. Ever.
Every SACCO pays the Base License + Monthly Fee. Feature Modules are optional — buy only what you need, own it forever.
Each module is a one-time purchase. Buy any combination. Own it forever. No recurring fee per module.
Full lifecycle from application through 4-step approval to settlement. Auto repayment schedules, overdue tracking, NPL classification & loan book report.
Record all SACCO expenses with approval workflow, service provider directory, payment methods (MTN MoMo, Airtel, bank), receipt attachments & full expense report.
Track portfolios (Unit Trusts, Treasury Bonds, Fixed Deposits), monitor returns, auto-calculate dividends & live FX rates (UGX/USD/KES/TZS/EUR/GBP).
Secure anonymous digital polls for board elections and resolutions. Cryptographically hashed votes, real-time results, one-vote-per-member enforcement.
Next of kin management, automated payout calculator (death 70%, illness 50%, disability 75%). Board resolution tracking and eligibility flags.
Secure cloud repository for all SACCO documents. Upload PDFs, Word, Excel, images. Categorize, search, filter, download and track uploads by user and date.
Dedicated auditor dashboard with full immutable audit trail, income statement, balance sheet, loan portfolio review, expense oversight & final approval stamps.
One-click complete professional AGM document: income statement, balance sheet, member register, loan book, expense summary, dividend declaration & signature blocks.
Staff continue all operations with no internet. Auto-syncs when connection returns. Conflict resolution prevents overwrites. Local data persists between sessions.
Every SACCO is different. Here are realistic examples. You choose exactly which modules to buy.
| SACCO Size | Base License | Typical Modules | Total One-Time | Monthly Fee |
|---|---|---|---|---|
| Micro 50 members | UGX 500,000 | Loan Management (1) | UGX 800,000 | UGX 100,000 |
| Small 200 members | UGX 500,000 | Loans + Expenses + Voting (3) | UGX 1,400,000 | UGX 400,000 |
| Medium 500 membersPopular | UGX 500,000 | Loans + Expenses + Investments + Voting + Benevolent + Documents (6) | UGX 2,300,000 | UGX 1,000,000 |
| Large 1,200 members | UGX 500,000 | All except AGM + Offline (7) | UGX 2,600,000 | UGX 2,400,000 |
| Enterprise 5,000+ members | UGX 500,000 | All 9 modules | UGX 3,200,000 | UGX 2,000 x members |
Typical combinations at each size. Fully flexible — you choose exactly which modules to buy.
| Feature | Micro 50 members |
Small 200 members |
Medium ⭐ 500 members |
Large 1,200 members |
Enterprise 5,000+ |
|---|---|---|---|---|---|
| Base License — Mandatory for all (UGX 500,000 one-time) | |||||
| Member Management | ✓ | ✓ | ✓ | ✓ | ✓ |
| Savings Tracking | ✓ | ✓ | ✓ | ✓ | ✓ |
| Member Portal | ✓ | ✓ | ✓ | ✓ | ✓ |
| Basic Reports | ✓ | ✓ | ✓ | ✓ | ✓ |
| 500 Comms Credits/mo | ✓ | ✓ | ✓ | ✓ | ✓ |
| Role-Based Security | ✓ | ✓ | ✓ | ✓ | ✓ |
| Optional Modules — UGX 300,000 each, one-time, own forever | |||||
| Loan Management | ✓300k | ✓300k | ✓300k | ✓300k | ✓300k |
| Expense Tracking | ✗ | ✓300k | ✓300k | ✓300k | ✓300k |
| Investment Management | ✗ | ✗ | ✓300k | ✓300k | ✓300k |
| Voting & Elections | ✗ | ✓300k | ✓300k | ✓300k | ✓300k |
| Benevolent Fund | ✗ | ✗ | ✓300k | ✓300k | ✓300k |
| Document Management | ✗ | ✗ | ✓300k | ✓300k | ✓300k |
| Auditor Hub | ✗ | ✗ | ✗ | ✓300k | ✓300k |
| AGM Report Generator | ✗ | ✗ | ✗ | ✗ | ✓300k |
| Offline Mode | ✗ | ✗ | ✗ | ✗ | ✓300k |
| Cost Summary | |||||
| Total One-Time Setup | UGX 800k | UGX 1.4M | UGX 2.3M | UGX 2.6M | UGX 3.2M |
| Monthly Fee | 100k | 400k | 1M | 2.4M | 2k x members |
Our team will help you choose the right modules and get you live fast.
Pamoja Pay exists to bring cooperative societies into the digital age — everywhere people come together to save and grow.
“Pamoja” means “Together” in Swahili — and that spirit of togetherness is at the heart of every cooperative. SACCOs exist because people come together to pool resources, support each other, and build collective wealth.
We built Pamoja Pay because we saw too many SACCOs across Uganda and Africa struggling with paper records, spreadsheets, and systems not built for the cooperative context. Members could not check their own balances. Loan approvals dragged on. Audits were painful and manual.
Pamoja Pay is the answer — a complete, modern platform built specifically for how cooperatives in Uganda and across Africa actually work.
Our mission: To digitize and empower cooperative societies across Uganda and Africa.
Every workflow and feature reflects the real cooperative context across the continent.
Encryption, row-level security, daily backups, and an immutable audit trail.
Works on basic Android phones and desktops alike. No app download ever needed.
Staff keep working without internet. Everything syncs when connectivity returns.
From a 20-member village SACCO to a 400-member institution — Pamoja Pay grows with you.
Whether you are ready to sign up or just exploring, we would love to hear from you. We respond within 24 hours.
+256 XXX XXX XXX
Kampala, Uganda