Frequently asked questions

Chamacom Limited builds and operates the MyChama platform. You can validate the business by texting the word BRS to 21546.

We currently operate in Kenya and are actively evaluating additional markets to support more chamas in the near future.

In Kenya we integrate with Safaricom today, and we are expanding coverage to additional networks soon.

All open roles are published on http://mychama.co.ke/careers. We update that page frequently, so check back often.

Our mission is to track every contribution, integrate with secure payment channels such as M-Pesa, and simplify communication with support for photos, videos, documents, and soon location sharing.

We currently do not provide walk-in office support. Contact us through the app or email customerservice@mychama.co.ke for assistance.

After registering, tap the plus button labelled 'Add a private chama' or 'Add a public chama' and follow the guided form to submit your details.

Private chamas appear only to invited members and keep sensitive data internal. Public chamas are discoverable in the app for easier recruitment, while still hiding wallet balances, phone numbers, and transactions.

The app guides you through paying via our paybill number. Follow the prompts during onboarding to complete the payment.

For data integrity, we do not allow edits to the joining amount once the chama has been submitted to us.

Directors or admins invite you to private chamas. You can accept or decline the invitation directly in the app, giving you full control over participation.

Each chama is owned and governed by its members. Admins may charge a joining fee to support their operations, and MyChama facilitates the process digitally.

Every chama is owned by its Chairperson, Secretary, and Treasurer. MyChama simply provides a unified, digital operating system for their workflows.

Our revenue comes from the registration tariff applied when members join a chama or when contributions are disbursed to a beneficiary according to the chama's model.

Yes. Financial and personal information is stored with world-class encryption and is visible only to authorized personnel. We never sell your data.

Once created, a chama cannot be fully deleted. It can only be deactivated after all members agree to close it.

By joining, members accept the chama's terms. Admins maintain governance authority, and Chamacom only intervenes in exceptional circumstances.

By default the Chairperson, Secretary, and Treasurer control the wallet. Admins can optionally extend access to all members or a selected subset.

Yes. Digital ledgers show each member's contribution position, upcoming turn, and any outstanding amounts for total transparency.

The app notifies the treasurer. It is then up to the chama leadership to decide how to proceed, while MyChama continues to follow the configured disbursement model.

Admins receive a notice when someone new joins. They decide on onboarding requirements, and the new member does not disrupt the current contribution flow.

Yes. Such arrangements are internal agreements within the chama, and MyChama records the payment accordingly.

No. To protect accuracy, even admins cannot edit critical contribution parameters once a cycle is in progress.

MyChama can read your address book (with permission) so you can invite contacts instantly. If someone is missing, send them the download link and invite them once registered.

Yes. Automatic reminders outline deadlines, amounts, and payment instructions, reducing manual follow-up for admins.

The platform includes free messaging so members and admins can coordinate without leaving the workspace.

You can create or join multiple chamas as long as you comply with Chamacom's terms of service.

Admins can send SMS instructions from Chamacom/MyChama including paybill, account, and amount details so every member can keep up.

Not yet. Lending is on our roadmap, and we will update customers once the feature is live.

A chama should have at least three administrators (Chairperson, Secretary, Treasurer). Beyond that, you can onboard as many members as your bylaws allow.

Yes. MyChama lets you create inner projects with specific targets so members can contribute toward parallel goals.

There is no software limit. Each chama can invite as many members as it needs.

Currently you cannot plug in a personal paybill. MyChama lending flows provide a shared paybill managed by Chamacom Limited, with funds held in a registered bank trust account.