12 members. 12 different due dates. One treasurer who is tired of being the bad guy.
Ingest is contribution software for SACCOs and chamas. Every member is a record with a due date, contribution history and a running balance the whole committee can see, so Ingest can send the WhatsApp reminder before the meeting, note who has paid, and follow up on arrears without the treasurer becoming the bad guy.
Join the waitlistIngest is in closed beta — join the waitlist and we’ll email your invite when the next batch opens.
The problem SACCOs know
Sound familiar? None of this is a discipline problem. It's a tools problem.
The contribution that gets "forgotten"
James always pays on the 15th. Except this month he didn't. You don't want to embarrass him in the group chat, so you wait. Now it's the 25th and you're short for the group target.
The receipt no one trusts
You send a screenshot of the M-Pesa confirmation in the WhatsApp group. Someone asks if it's from last month. Someone else says they never got theirs. Now you're searching your camera roll at 10 PM.
The record that lives in your notebook
Your SACCO has grown to 20 members. Your notebook hasn't. When did Grace last contribute? Is she ahead or behind? You used to know everyone by heart. Now you just hope.
What Ingest does for SACCOs
Not just replies — proactive outreach, at the right time, in the right tone.
The reminder that doesn't feel like nagging
James is due on the 15th. Ingest sends a friendly WhatsApp on the 13th: "Hi James, your SACCO contribution is due in 2 days. Tap here to pay via M-Pesa." If he pays, he gets an instant receipt. If he doesn't, Ingest sends a different tone on the 16th. If it's the 20th and still nothing, only then does it alert you to call.
The receipt that settles arguments
The moment M-Pesa confirms, Ingest sends a branded WhatsApp receipt to James with his running balance. It updates the group ledger. If someone claims they paid and the system disagrees, the history is right there — no screenshots, no arguments.
The member who fell behind
Grace missed two months. Ingest doesn't treat her like a new member. It sends her a catch-up plan via WhatsApp — "You can split this into two payments" — and updates her tag to "payment plan" so everyone on the team knows the context.
Team memory
Your co-treasurer covers for you while you travel. She opens Ingest and sees the full picture: who is current, who is on a plan, what Ingest already said, and what still needs a human touch. The SACCO doesn't pause because you're at a wedding.
“Our SACCO has 12 members. We used to argue about who paid what. Now contributions are automatic, everyone gets a WhatsApp receipt, and if someone misses, Ingest follows up so I don't have to be the bad guy.”
Be a treasurer, not a debt collector.
Bring your member list — even if it's just a phone contact list.
Join the waitlistLast updated