Whatever your family calls it, run it here.
Keepaa collects everyone's payment, keeps the order, and shows the whole circle the same book. Paying on time can also build your credit history.
- Ajo
- Esusu
- Susu
- Pardner
- Chama
- Committee
- Tontine
- Hui
You run the circle
Set the amount and the order once. Keepaa does the collecting and the reminding.
Start a circleYou've been invited
Enter the code your organiser sent you to see the circle before you join.
Five people, £200 a month, one pot each round.
An example circle. Everyone pays in the same amount on the same day. Each round, one person takes the whole pot, until everyone has had a turn.
- Round 1Ama9 OctPaid out
- Round 2Tolu9 NovPaid out
- Round 3Kwame9 DecTakes the pot this round
- Round 4Bisi9 JanTo come
- Round 5You9 FebTo come
- Round 1Ama9 OctPaid out
- Round 2Tolu9 NovPaid out
- Round 3Kwame9 DecTakes the pot this round
- Round 4Bisi9 JanTo come
- Round 5You9 FebTo come
Agree the terms
How many people, how much, how often, and the order. Everyone sees the same terms before they join.
Everyone pays in
By Direct Debit on the agreed day. A card is only a backup if a Direct Debit fails. The circle can see who has paid and who has not.
One person takes the pot
In full, straight to their bank account, once every payment has settled (about 3 working days). Then the next round starts.
No more notebook. No more chasing.
Every member sees the same record: the order, who has paid this round, and where the pot goes next. Reminders come from Keepaa, so the organiser does not have to make the awkward phone call.
See how a round worksSunday Circle
ExampleDecember payments · pot goes to Kwame on 9 Dec
- AmaPaid 28 Nov£200.00
- ToluPaid 30 Nov£200.00
- KwamePaid 1 Dec£200.00
- BisiDue 4 Dec£200.00
- YouDue 4 Dec£200.00
You've always paid on time. Now it counts.
Circle payments do not usually show up on a credit file. With Keepaa, each on-time payment is reported, so the discipline you already have starts building your history. Late payments are reported too.
How credit building worksReported this year · example
- January, no payment reported
- February, no payment reported
- March, payment reported
- April, payment reported
- May, payment reported
- June, payment reported
- July, payment reported
- August, payment reported
- September, payment reported
- October, payment reported
- November, payment reported
- December, no payment reported
9 of 9 payments on time since joining in March.
What if someone stops paying?
It is the first question anyone asks, so here is the plain answer. Members verify their identity before joining. Payments are collected automatically, and everyone can see a late payment the day it happens. Organisers can place newer members later in the order.
What does it cost?
Platform fee: £4 per contribution
The fee is charged separately from your contribution, so your payout is never reduced. Put in £200, get £200 back.
The fee covers:
- Collecting every contribution automatically by Direct Debit, so no one has to chase payments
- Paying out on time, in the agreed order
- Identity checks on every member of your group
- A clear record of who has paid and whose turn is next
You only pay the fee when you make a contribution. If your group ends early, you only pay for the contributions you made. Read more
Questions people ask first
Is the fee taken out of my pot?
No. The platform fee is its own line on each payment and your payout is paid in full. If your circle ends early, you only pay for the contributions you made. Read more
Who decides the order?
The organiser. It can be an agreed order, a random draw, or by trust score, and the whole circle sees it before the first payment.
Can strangers join my circle?
No. Circles are invite only. There is no public list and nobody can find your circle without your code.
Do I need to be in a circle to build credit?
Circle payments are what gets reported. Personal goals are for saving on your own and are not reported.