For community leaders
Run your community
Set up dues, savings and rewards in a day. Multi-approval treasury and a ledger every member can see.
Start free
The global platform for community economies
Grow your circle with rewards, assurance and value that stays.
Reward members, protect each other and keep money circulating locally, on one platform any community can run.
Trusted by 10K+ communities in 50+ countries
Dues collected · Lekki Estate
₦5,000 reward redeemed for data
Payout approved 3/3Dues collected · Lekki Estate₦5,000 reward redeemed for dataPayout approved 3/3
Mutual cover paid in 4 mins
Diaspora chapter funded in USD, redeemed in NGN
120 points earned for volunteeringMutual cover paid in 4 minsDiaspora chapter funded in USD, redeemed in NGN120 points earned for volunteeringBuilt for every kind of community
Neighbourhood associationsSavings circles
Market associations
Faith communities
Alumni networks
Farming co-opsHousing co-opsUnionsDiaspora networksMutual aid groupsNeighbourhood associationsSavings circlesMarket associationsFaith communitiesAlumni networksFarming co-opsHousing co-opsUnionsDiaspora networksMutual aid groups
Everycommunityrunsonpeoplewhoshowup.Paymainlymakessurethatvaluecomesbacktothem.
The engine underneath
Three products. One community economy.
Rewarding societies
Mainly Reward
Recognition, points, and loyalty for communities. Define what your community values, reward it automatically, and let members redeem from a global catalog, locally.
- Points on contributions, dues & everyday payments
- Recognition for milestones, service & loyalty
- Redeem for utilities, mobile top-ups & local goods
Reward unlocked
+120 points · Volunteering
Ensuring communities
Mainly Assure
Pooled savings, group treasuries, and mutual cover. Rotating circles, transparent ledgers, and rule-based payouts that no single pocket controls.
- Rotating savings with automated schedules
- Group wallets with multi-approval payouts
- Reminders sent before anyone falls behind
Payout request · ₦250,000
2 of 3 approved
Retaining value
Mainly Flow
Payments, collections, and payouts that keep money circulating locally, across 135+ currencies, with fees everyone sees before anyone confirms.
- Dues, levies & contributions collected automatically
- Payouts across 135+ currencies and local rails
- Rates shown and locked before anyone confirms
₦184,500.00
$120.40
Rate locked for 10 mins
Two ways in
Run your community, or join one.
For members
Join one
Earn for showing up. See every contribution. Redeem locally in your own currency.
How joining worksMade for how you already work
Made for the way your community already works.
Today
- Tracked in one person's notebook
- Chasing members for contributions
- No record if a payout goes missing
With Paymainly
- Every contribution visible to all members
- Automatic reminders before anyone falls behind
- Multi-approval payouts, nothing unexplained
The catalog
A global marketplace that redeems locally.
Give members the freedom to choose what they want, delivered in their currency, in their country, often in under a minute.
Electricity bill
Utilities & bills
Internet subscription
Utilities & bills
Water bill
Utilities & bills
MTN data bundle
Top-ups & data
Airtel airtime
Top-ups & data
Amazon gift card
Gift cards
Netflix gift card
Gift cards
Local market voucher
Local vouchers
Pharmacy credit
Local vouchers
Ride-hailing credit
Transport & fuel
Fuel top-up
Transport & fuel
School fees
Education
Exam registration
Education
Move to savings
Savings & cash-out
Mobile money cash-out
Savings & cash-out
Community relief fund
Charity
Scholarship fund
Charity
Delivered in under 60 seconds · Rates shown before confirming.
Global scale
Built to power community value at world scale.
₦ to $ · locked rate
M-Pesa payout · 32s
0+
Countries
0+
Currencies
0K+
Communities
0M+
Members
<60s
Delivery
24/7
Support
Personalised rewards
Suggests the right reward for each member based on their context and culture.
Predictive health
Forecasts contribution risk and pool sustainability before it becomes a problem.
Smart nudges
Context-aware reminders for dues, unredeemed rewards, and members going quiet.
Engagement insights
Real-time participation analysis that recommends what to do next.
Fraud & anomaly detection
Spots unusual patterns in shared pools before they become losses or disputes.
Community co-pilot
A conversational assistant that turns questions into actions, in your languages.
Community co-pilot
3 members are 2 weeks behind on contributions.
Send a friendly reminder in English and Yoruba?
Send Edit
Reminders sent
Why Paymainly
Built so trust is enforced, not promised.
Member-visible ledgers
Every contribution, payout, and fee, visible to every member, always.
Entries this month0
Tunde · Monthly dues+₦5,000
Chidinma · Reward redeemed−₦2,000
Ngozi · Circle payout+₦250,000
Emeka · Monthly dues+₦5,000
Multi-approval treasuries
No single pocket controls the pool. Payouts need agreement.
T
N
C
2 of 3 approvals in
Works offline with SMS & USSD
Full participation for members off the smartphone grid.
_
135+ currencies
Local rails and redemption in every market you operate in.
₦€₹
White-labelled
Your branding, your workflows, launched under your own name.
Lekki Estate
Free to start, pay as you grow
No seat licenses, no minimums. Costs scale with real usage.
+180%
usage growth
Everyday walletGet your wallet
Dues, payouts and rewards. One wallet.
Every contribution, reward, and payout lands in the same place, with a balance and activity trail any member can check, any time.
Pay dues
Contribute
Redeem
Cash out
Balance
₦0.00
Reward · volunteering+₦2,000
Monthly contribution−₦10,000
Circle payout+₦250,000
WhatsAppTelegramSMS & USSDM-PesaStripePayPalWiseWhatsAppTelegramSMS & USSDM-PesaStripePayPalWise
PixUPIMobile MoneyQuickBooksZapierOpen APIPixUPIMobile MoneyQuickBooksZapierOpen API
Set up your community
Create your community, set your rules, invite your first admins.
Dashboard
Lekki Estate
240 members
Invite members
Share one link. Members join from WhatsApp, SMS, or the app.
paymainly.com/join/lekki-estate
Contribute & earn
Dues, savings, and rewards, all from the wallet members already have open.
Live
Dues paid in 3 seconds
Value stays local
Payouts redeem at the shops and services your members already use.
₦250,000 paid to member 7Community proof
Different continents. Same result: value that stays.
“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.
Wanjiru
Circle coordinator · Nairobi, Kenya
“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.
Marisol
Programs director, diaspora network · Mexico City, Mexico
“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.
Daniel
Co-op treasurer · Manchester, UK
Estate chairman
Lagos, Nigeria
“Every resident can see what their levy paid for. Disputes at our meetings have nearly disappeared.
Union secretary
Accra, Ghana
“Emergency support used to take weeks of phone calls. Now it's approved and paid in minutes.
Market association leader
Kano, Nigeria
“Our traders earn points for showing up and redeem them at stalls two rows down. It keeps money in the market.
Estate chairman
Lagos, Nigeria
“Every resident can see what their levy paid for. Disputes at our meetings have nearly disappeared.
Union secretary
Accra, Ghana
“Emergency support used to take weeks of phone calls. Now it's approved and paid in minutes.
Market association leader
Kano, Nigeria
“Our traders earn points for showing up and redeem them at stalls two rows down. It keeps money in the market.
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.
Grow your community. Keep the value you create.
Free for small groups · No credit card · Set up in a day.