A group of people contribute the same amount each round. Either the pot goes to one member each time and rotates until everybody has had a turn, or it builds toward a target the group is saving for.
PesewaPay keeps the schedule, collects the contributions, works out who is behind and tells them, and pays the pot out. What it will not do is pay somebody a short pot.
A shortfall is recorded against them at the end of the round and both they and the leader are told. The round is not paid out until it is complete, so the recipient is never the one who absorbs it.
How much per round, how many rounds, how long a round lasts, and whether the pot rotates or builds toward a target. Get this right before anyone joins — once the plan starts it is fixed.
Each person chooses how many slots to take when they accept, and that sets what they pay.
In a rotating group every position must have somebody against it before the group can start. Finding an empty slot in week 40 is not something anybody should have to live through.
The full schedule is generated at once — every round, its dates and its expected amount. Membership closes.
Anyone short at the end of a round has it recorded and both they and the leader are told. When a round is fully collected, the leader releases it to that round's recipient.
Each of these is enforced in the software rather than stated as a policy. A policy can be broken; these cannot.
If a round has not collected everything it was due, the payout is refused and the shortfall is named. The recipient is entitled to the full amount, and paying them less because somebody else defaulted is how susu groups fall apart. The answer is to collect what is missing, not to quietly hand over less.
The amount, the number of rounds, who is in it and who receives which round are all settled before the group starts, and membership closes at that moment. That is what makes it an agreement rather than a running negotiation.
Whoever starts the group contributes like everybody else and is enrolled automatically. Their only extra powers are releasing a payout and taking the leader's fee, if the group agreed to one.
PesewaPay is not on the app stores yet. Join the early access list and we will tell you the day it is — no other mail, and nothing shared.
© Copyright 2024 - 2026 | Pesewa Pay. All Rights Reserved
+233 50 737 9051
Accra, Ghana
app.pesewapay@gmail.com
pesewapay.com