Payments processed on SusuPaa: ₵12.7M+
AI financial infrastructure for people who hold Ghana's savings. Contributions, payouts, loans and member balances in one system. Mobile money on all three networks.
No card. No sales call. The free tier never expires.
Moolre
Hubtel
Paystack
LibertePay
One ledger. Every way Ghana saves. Group susu, savings plans, passbooks and loans. Run one on its own or run all four together.
SusuPal · AI assistant
Meet SusuPal, the AI that understands your books. Ask who is in arrears, or what August's trial balance says. The answers come from your own books. SusuPal never moves money.
- An AI that understands your books
- Read-only by design
- Private, scoped, secure
SusuPal
Understands your books · changes nothing
Who owes more than ₵500 and hasn't paid in 30 days?
Give me the August trial balance.
SusuPal answers from your account data only. It cannot change anything and is not financial advicer.
Built for every size of savings business. From a collector with one book to an institution filing returns.
Your collection book, on your phone.
Record a payment with no network. It queues on the phone and posts on the next sync. Your members check their own balance without calling you.
- Works offline
- Members check their own balance
- Free tier, forever
My day
Kojo Mensah · field agent
₵50.00
Cash collected
today
₵50.00
Paid by phone
no cash to hand in
₵50.00
Cash you hold
not yet handed in
Today's payments (4)
- AKAbena K.Ladies Susu 2026 · Cash₵20.0007:42
- KOKwame O.Market passbook · Cash₵20.0008:15
- YDYaa D.Ladies Susu 2026 · Phone₵50.0009:03
- EAEsi A.School fees goal · Cash₵10.0009:30
No signal? The round is recorded on the phone and posts itself the moment coverage returns.
Records your committee can read.
Month-end reports come out of the system. Staff roles separate, so no one person can do everything.
- Month-end reports generated
- Staff roles that separate
- Dual control
Approvals
QueueMoney actions waiting for a second pair of eyes.
Record payout
Asked by Ama · Today 09:12
- Member
- Yaa D.
- Group
- Ladies Susu 2026
- Amount
- ₵1,200.00
Approved by Kojo · Today 09:20Carried out and written to the audit log.
Your own request is never yours to sign off, so no single person can move money alone.
Your loan book and your susu book in one system.
Portfolio at risk and provisioning update as you post. Two people are required for anything that moves money.
- PAR and provisioning live
- GCSCA MRT lines
- Bank of Ghana categories
Portfolio at risk
As of 5 Sep 2026 — a loan sits in the bucket of its oldest unpaid instalment
- At risk · over 30 days
- ₵82,200
- PAR 6.4% of the book
- In arrears · any days late
- 37 loans
- of 251 on the book
| Bucket | Loans | Outstanding | Rate | Provision |
|---|---|---|---|---|
| Current | 1,142,300 | 11,423 | ||
| 1–30 days | 60,000 | 6,000 | ||
| 31–60 days | 45,000 | 11,250 | ||
| 61–90 days | 22,000 | 11,000 | ||
| 90+ days | 15,200 | 15,200 | ||
| Total | 1,284,500 | 54,873 |
Running provisioning posts the difference to the loan-loss reserve — a real ledger entry, not a spreadsheet.
Books you can check.
Payment collections settle to your own accounts over licensed providers. We keep the record and the receipts. The money moves on rails you already use.
Every figure here is live. Read straight from the platform, updated as it runs.
- in payments processed · live
- ₵12.7M+
- active groups · live
- 672+
- members on the platform · live
- 3,434+
Set it up yourself.
Sign-up to first group in under an hour.
Bring your own book.
Bulk import, or a migration service for 400 members on paper.
The controls, in one page.
Custody, dual control, KYC and the audit log.
Recognised in Ghana. Awards and press, all of it linked.
View all awards ›
Ready to keep books that prove it?
Create an account now, or see it running on your own numbers in thirty minutes.