Reward members, protect each other with shared safety nets, and keep money circulating locally — with one modular platform any community, anywhere in the world, can run at scale.
Free to start · Scales from 10 members to 10 million
Trusted by the communities the world actually runs on
Three products, one global catalog, and intelligence in every layer — so you can recognize members, run shared savings, protect each other, and keep spend local, all from a single platform that scales as your community grows.
Earn for participating. Spend on real life.
Every contribution visible to every member.
Loyalty without the paperwork.
Dues, levies, shared bills, and benefits — with a ledger every member can open.
Recognition and support that land locally — for nonprofits, unions, alumni & diaspora networks.
Recognition, points, and loyalty for communities. Define what your community values, reward it automatically, and let members redeem from a global catalog — locally.
Explore Mainly Reward →Ensuring communities🛡️Mainly AssurePooled savings, group treasuries, and mutual cover. Rotating circles, transparent ledgers, and rule-based payouts that no single pocket controls.
Explore Mainly Assure →Retaining value🔄Mainly FlowPayments, collections, and payouts that keep money circulating locally — across 135+ currencies, with fees everyone sees before anyone confirms.
Explore Mainly Flow →One global catalog. One intelligent co-pilot. One platform — for every relationship that grows your community.
Built into every layer of Paymainly — moving your community from reactive to predictive. From recommending the right reward to flagging risk before it surfaces, intelligence drives action across every program you run.
Suggests the right reward for each member based on their context, culture, and what actually matters to them locally.
Forecasts member churn, contribution risk, and pool sustainability — and measures every program's effect on retention.
Context-aware reminders for contributions due, unredeemed rewards, milestones missed, and members going quiet.
Real-time analysis of participation to detect disengagement, recommend actions, and lift involvement across the group.
Spots suspicious transactions and unusual patterns in shared pools before they become losses — or disputes.
A conversational assistant that turns questions into actions for admins and members — in the languages your community speaks.
Built for real communities in every country — with the flexibility, transparency, and local depth that one-size-fits-all platforms can't match.
Multi-country, multi-currency, multi-language programs from day one. Your diaspora chapter in London and your home branch in Accra run on one ledger.
Local payment rails, local redemption options, and local trust customs — your community's own names and rules, not ours imposed on you.
Member-visible ledgers and multi-approval treasuries are built into the platform. Trust isn't promised in marketing — it's enforced in the product.
Free to start, pay-as-you-grow on transactions. No seat licenses, no minimums, and no fee any member ever discovers after confirming.
Consolidates the spreadsheet, the group chat, the collection app, the loyalty cards, and the treasurer's notebook into one platform.
Your branding, your workflows, your rules. Launch under your community's own name with programs shaped to how you already operate.
Fast on any connection, on any device — with offline tolerance and SMS fallbacks for members off the smartphone grid.
Encryption end to end, biometric & PIN confirmation, licensed payment partners, and independent audits — protection sized for people's real savings.
Real-time analytics on participation, retention, and local circulation — proof that value created in your community is staying in it.
From dues and recognition in alumni networks, to rotating savings in credit circles, to shared treasuries in housing co-ops — every community runs on participation. Paymainly powers the rewards, pools, and payments behind each, tuned to the outcomes that matter to yours: retention, contribution, and local circulation.
Give members the freedom to choose what they want — delivered in their currency, in their country, often in under a minute. Global reach, local relevance.
Electricity, water, and internet paid straight to local providers.
Every major carrier, in 150+ countries.
Global and local brands members actually use.
Redeem at shops inside your own community network.
Fares, rides, and fuel support for daily movement.
Fees, courses, and school support — individual or pooled.
Sweep value into savings or out to bank & mobile money.
Donate points to causes and cover pools your group runs.
Meet members where they already are — messaging, payments, and admin tools connected out of the box.
Our savings circle ran on one treasurer's notebook for ten years. Now all 40 members see every entry — contributions went up, and chasing people stopped.
We reward volunteers across 14 countries from one dashboard, and each person redeems in their own currency at shops near them. Recognition finally feels local.
Our housing co-op collects dues, pays shared utilities, and votes on spending in one place. The AGM used to take four hours of arguing about money. Now it takes forty minutes.
Any group that creates, shares, or protects value together — a 12-person savings circle, a 400-unit housing co-op, a global alumni network, a farmers' cooperative, a congregation, a union. If people contribute and belong, Paymainly can run its economy.
Free to start for small groups, then pay-as-you-grow based on actual transactions and redemptions — never seat licenses. Costs scale with the value moving through your community, so budgets stay predictable and you're never paying for unused capacity.
No — that's the point. You configure rotation orders, approval rules, contribution cycles, and even the names of things to match how your community already works. The platform adapts to your culture, not the other way around.
Funds move through licensed, regulated payment partners in each market. Group treasuries use member-visible ledgers and multi-approval payouts so no single person controls the pot, and failed transactions refund automatically.
Yes. Programs run across 50+ countries and 135+ currencies, with local payment rails and local redemption options in each. A diaspora network can fund in dollars while members redeem in naira, shillings, or pesos — with rates shown and locked before sending.
Paymainly is built for the real world: fast on slow connections, tolerant of dropped signals, with SMS and USSD participation for members off the smartphone grid. No one in your community gets left out of its economy.
Yes — everything the platform does is available through an open API and SDKs, so teams with deep local context can build custom experiences on our rails. But no code is required: most communities launch entirely from the dashboard.
Reward the people who show up, protect each other, and keep the value you create — where you created it.
Free for small groups · No credit card · Set up in a day