DCode

Take a look at Web Chama product modules that will grow your Sacco.

  • Webchama SACCO is a complete core banking system for Savings and Credit Cooperatives in Kenya.
  • Grow member value, protect funds, and run daily operations from one secure platform.

Here are some of our modules.

  • Member management.
  • Loan Management
  • Guarantor management
  • Receipt
  • Top-ups
  • Member Portal
Login to WebChama

Our Achievements in Numbers

Choose Webchama because you run your SACCO on one secure system built for Kenya. You open accounts, process loans, post savings, and reconcile M-Pesa and bank fast. You get maker checker approvals, audit trails, CRB checks, and encrypted backups, so funds stay safe and compliant. Members use USSD, web, and mobile for balances, deposits, and loan repayment, which lifts engagement and cuts queues. We onboard you quickly with data import templates, training, and local WhatsApp, phone, and email support.

000 Happy Users
000 Customer Reviews
000 Customer Support
000 Global Reach

Engaging New Audiences Through DCode

Who We Serve
  • Employee-based SACCOs
  • Community and church SACCOs
  • Farmer and trader SACCOs
  • Multi-branch and nationwide unions
Member Management
  • Digital onboarding with KYC, next of kin, and document storage
  • Share capital, deposits, and standing orders
  • Member statements and certificates
  • Dormant and exit workflows with payouts
Savings and Deposits
  • Savings products with interest rules and minimum balances
  • Fixed deposits with tenors and early withdrawal rules
  • Daily postings, interest accrual, and period closes
  • Automatic receipting for M-Pesa, bank, and agency deposits
Loans Management
  • Loan products with fees, interest methods, and penalty settings
  • Guarantors, collateral, and eligibility checks
  • Appraisal and multi-level approvals
  • Disbursement to bank or M-Pesa with schedules and amortization
  • Restructure, top-up, refinance, and early payoff
  • Delinquency tracking, aging, and recoveries
Channels and Member Self Service
  • USSD, web portal, and mobile app for balances, mini-statements, and requests
  • M-Pesa Paybill and STK for deposits, loan repayment, and withdrawals
  • Agent and teller module with cash controls
  • Bulk SMS and email alerts
Accounting and GL
  • Full double entry with COA, journals, and posting rules
  • Auto posting from loans, deposits, and charges
  • Bank reconciliation and cashbook
  • Trial balance, income statement, balance sheet, and notes
Risk and Compliance
  • Maker-checker approvals and limits per role
  • Audit logs, user trails, and device controls
  • CRB support and KYC document checks
  • Data protection practices and encrypted backups
Reporting and Analytics
  • Regulatory and board reports
  • Portfolio quality, PAR, write-offs, and recoveries
  • Liquidity, savings growth, and loan demand trends
  • Custom exports to Excel and PDF
Integrations
  • M-Pesa, bank files, and payment gateways
  • Biometrics for member verification
  • Document signing and CRM
  • API for third-party apps
Operations and Workflow
  • Front office teller with receipts and end-of-day checks
  • Back office loan processing and exceptions queue
  • Branch and head office controls with consolidation
  • Task lists and reminders for teams
Implementation
  • Data import templates for members, savings, and loans
  • Parameter setup for products, fees, and GL mapping
  • Pilot run, user training, and go-live support
  • Local WhatsApp, phone, and email support

Have any query? Let’s Talk

Select your plan and number of users

All Plans Include

  • Compliance with Kenya Data Protection Act
  • Daily encrypted backups and secure hosting
  • Local support via WhatsApp, phone, and email
  • Free demo, trial, and monthly billing via M-Pesa or bank

Start-Up

KES15,000
per month

For single-branch SACCOs with up to 1,000 members.

  • Member registry with KYC and document storage
  • Savings, fixed deposits, and share capital management
  • Loan products with guarantors, collateral, and approvals
  • Amortization schedules, early payoff, and statements
  • M-Pesa Paybill deposits and loan repayment
  • Teller operations and receipts
  • Basic general ledger and bank reconciliation
  • PAR and delinquency tracking
  • Audit trail, backups, and email support
Purchase Now

Advanced

KES 35,000
per month

For multi-branch SACCOs with up to 5,000 members.

  • Everything in Start-Up
  • Multi-branch operations with consolidation
  • USSD and member portal for self service
  • STK push deposits and bank file processing
  • Credit rules, reschedule, top-up, and refinance
  • CRB integration for credit checks
  • Agency banking module with float controls
  • Advanced reporting dashboards
  • Deep GL mapping and integrations
  • WhatsApp and phone support
Purchase Now

Premium

KES 75,000
per month

For unions and SACCOs above 5,000 members or multi-company.

  • Everything in Advanced
  • Custom workflows with multi-level approvals
  • Advanced analytics and data exports
  • Biometric verification and device whitelisting
  • Full API access for integrations
  • Document management and e-signatures
  • Disaster recovery and DR drills
  • Dedicated account manager and migration support
  • 99.9% uptime SLA guarantee
Purchase Now

Why most Successful Saccos trust us.

Your funds and data stay safe with maker checker controls, audit logs, biometric verification, and encrypted daily backups. We comply with the Kenya Data Protection Act, support CRB checks, and provide clear M-Pesa and bank reconciliations. You get 99.9 percent uptime, disaster recovery readiness, and responsive local support, giving you confidence to operate.

Interested! What is the Philosophy behind SingularERP?

Its all about Singularity -Man and Machine working effeciently and effectively to deliver great value.

Contact Us Now!

Select Your Color

RTL/LTR Option

RTL LTR