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Common questions

Does Chama hold our money?

No. Your money stays in M-Pesa, your bank or your cash box. Chama records and reports on it. This is deliberate: it means nobody at Chama can touch your funds.

Do members need smartphones?

Chama works in any mobile browser, including on affordable Android phones, and the pages are built to be light on data. Members who have no phone can still be managed by an official on their behalf.

Can the treasurer change a figure quietly?

No. A confirmed entry can never be edited or deleted — only reversed, with a reason, leaving both entries visible. Every change is written to an audit log the chairperson can read.

What if someone enters a wrong M-Pesa code?

Reject the pending entry and record the correct one. The same code can never be confirmed twice in a group, so a payment cannot be counted double.

Is M-Pesa payment automatic?

Not yet. Today your treasurer records the M-Pesa code and confirms it against your group's account. Automatic collection through Safaricom Daraja is on the roadmap and requires Safaricom's approval of a registered business.

What happens if we stop paying?

Your records stay readable and exportable. Only recording new activity is paused until the subscription is renewed.