Nichomez is a multi-tenant financial management platform for help groups, GROUP/SACCOs, and cooperatives. Each organization keeps its own members, chart of accounts, and policies while sharing secure infrastructure, payment rails, and upgrades on web and Android.

Where do members and officials sign in?

The live application is at api.nichomez.com. The nichomez.com website is the product overview with live member statistics; registration and day-to-day operations happen on the application.

Does Nichomez support debt collection and referrals?

Yes. GROUP/SACCO officials can enable optional incentive programs: a debt collection hub where approved member collectors recover defaulted loans for commission, and member referral rewards when new members join with a registration fee. Excel migration templates help groups move from spreadsheets or another system.

What payments does Nichomez integrate with?

Members pay via M-Pesa Paybill 522533 with account 8091352# plus their GROUP/SACCO tenant code (each SACCO has its own code). Nichomez also supports M-Pesa STK push, batch STK, and KCB Buni e-wallet settlement.

Nichomez — GROUP/SACCO software | Loans, ledger, M-Pesa & collections

Q: How does platform billing work?

Nichomez bills the GROUP/SACCO organization KES 50 per active member per month (quarterly 8% off, yearly 20% off). New groups get a 1-month free trial. Officials pay from Platform Billing via M-Pesa STK or Paybill invoice reference.

Q: Can loans auto-disburse?

When a SACCO enables savings-backed auto-disburse, eligible amounts are limited by the member’s live behaviour score (up to 2× savings). Medicare/education products and stretch tenure always need committee review. Product apply ceilings are often around 3× savings and can be higher than the auto-disburse band.

Nichomez Enterprise

GROUP/SACCO finance that scales with every member you add.

Ledgers, loans, contributions, KCB e-wallet & M-Pesa, optional debt collection and referral programs — one platform for help groups and cooperatives that have outgrown spreadsheets. Officials and members use the same system on web and Android.

Start GROUP/SACCO Join as a member See the Android app

Application: api.nichomez.com · This page: product overview

Live from the platform

Real organizations. Real members. Updated continuously.

Loading live statistics…

GROUP/SACCOs on Nichomez

Active tenant organizations

Members registered

— active · — new users this month

Member growth trajectory

Twelve-month view — new members by GROUP/SACCO registration date, plus running total

Total members New users per month

Hover bars for monthly detail · Join dates from registration fee and contribution records

What Nichomez delivers

From daily teller activity to board reporting — one system of record for web and Android.

Accuracy at source

Double-entry postings keep deposits, loans, and transfers aligned across every module.

Member transparency

Statements, balances, loan status, and reminders members can trust.

Audit readiness

Trial balance, SASRA-oriented exports, IFRS 9 ECL, and committee reports from live data.

Web and Android — same books

Members manage savings, loans, and M-Pesa from their phone. Officials get modules, registers, and platform billing (including free-trial countdown) on the same live data as the web portal.

Nichomez Android home — savings balance, free trial banner, and official shortcuts — **Home** Savings at a glance, loan due, Discover cards, and a free-trial banner when your GROUP/SACCO is still on trial.

Nichomez Android loan workspace — applications, types, and portfolio filters — **Loan workspace** Member loans, applications, loan types, and portfolio filters for officials and members.

Nichomez Android menu — wallet, deposits, and M-Pesa STK repayment — **Menu** Wallet, deposits register, record repayment, and repay via M-Pesa STK — grouped so tools stay easy to find.

Profile Member card, dividends eligibility, contribution views, and quick links to wallet, loans, and debt collection.

1. Join a GROUP/SACCO

Search your organization (privacy-safe — no full tenant list), complete your profile, optionally select a referrer, and pay the registration fee by M-Pesa STK. Membership starts after payment succeeds.

Open self-registration →

2. Pay in & stay current

Deposit via Paybill 522533 with account 8091352# your code, or STK from the app. Credits can auto-apply to loans and contributions; idle wallet balance can sweep open obligations.

See payment rails →

3. Borrow with behaviour

Apply in-app with guarantors. Savings-backed auto-disburse uses live behaviour headroom (up to 2×); stretch tenure and medical/education products go to committee review.

Auto-disburse FAQ →

4. Dividends & family pay

Track dividend eligibility on Profile. Set family standing orders so monthly budgets cover beneficiary loans and contributions automatically when funds arrive.

Officials register the organization on the web; members join on web or Android. Sign in at api.nichomez.com — package com.nichomez.app.

Loading Android download options…

Request Android APK Sign in Join a GROUP/SACCO

Programs & onboarding tools

Incentive programs are enabled per GROUP/SACCO under Settings. Data migration is available under Settings → Self-serve setup for groups moving from another system.

Debt collection hub

Publish defaulted loans to a job board. Approved member Credit Administrators claim cases, log daily contact, and earn capped commission (typically 15–25%) on amounts recovered.

Member referral rewards

Reward members who refer new joiners. Registration fees can split between the GROUP/SACCO and the referrer, with payout via the same KCB → M-Pesa rails when configured.

Automated oversight

SMS, email, and Android push for loan installments, contributions, collector follow-ups, and official delinquency digests — so recovery work stays visible.

Excel data migration

Move from spreadsheets or another system with previewable workbook templates (members, accounts, loan types, loans, deposits, withdrawals, repayments) under Settings → Data migration.

Platform vs your GROUP/SACCO

Nichomez is the product. Each GROUP/SACCO keeps its name, policies, and data.

Nichomez (platform)

Product shell, security, upgrades, and live stats on this site
Shared payment rails (KCB Buni e-wallet, M-Pesa STK & Paybill 522533)
Application & API at api.nichomez.com
Built-in assistant for platform guidance (on this page)

Your organization

Your branding on reports and PDFs
Your chart of accounts and loan products
Your members and workflows

Core modules

General ledger

Trial balance, P&L, balance sheet, cash flow, category ledgers.

Members & contributions

Share capital, risk fund, invoices, schedules, statements, self-registration.

Loans lifecycle

Self-service applications, behaviour-based auto-disburse, guarantors, committee endorsements, IFRS 9 ECL.

Behaviour & risk

Five-bar habit score and grades 1–10 that inform lending headroom on web and Android.

Deposits & withdrawals

Approvals, bulk import, dividend payouts to bank or e-wallet.

E-wallet & payments

Paybill 522533, STK (including batch), peer wallet transfer, pay-for-other, obligation sweep.

Family standing orders

Monthly budgets and auto-allocation across beneficiary loans and contributions.

Dividends

Year-end eligibility on Profile, payout to e-wallet or M-Pesa, and official dividend registers.

Debt collection

Job board, collector claims, commission accrual, daily logs.

Referrals & incentives

Tenant referral fees and collector payout queues.

Communications

Email, SMS (KES 1/SMS bundles), and Android FCM push with deep links.

Data migration

Excel import templates for members, accounts, loans, deposits, and repayments.

Reports & audit

Financial statements, KPI sync, activity and cron health.

Member M-Pesa payments

Every GROUP/SACCO on Nichomez uses the same M-Pesa Paybill. Members enter their tenant account reference for deposits, registration fees, and loan repayments.

M-Pesa Paybill 522533 — account 8091352#tenantCode for member deposits

M-Pesa Paybill: 522533
Account number: 8091352#your GROUP/SACCO code (example: 8091352#12345)
STK Push is also available from the member app and web portal
KCB Buni e-wallet handles bank settlement behind the same rails

Platform billing

Nichomez is billed to your GROUP/SACCO organization — not to individual members. Officials manage invoices, billing cycle, and M-Pesa payment inside the app at Platform Billing (web and Android).

Core subscription

KES 50 / active member / month

Default platform rate. Your invoice reflects active members in the billing period.

Full ledger, loans, wallet, reports, and member modules
Officials pay via M-Pesa STK or Paybill 522533 with the invoice account reference
1-month free trial for newly provisioned GROUP/SACCOs (earlier groups keep their original 2-month trial)
Android and web show remaining trial days and when billing starts

Billing cycles

Choose monthly, quarterly, or yearly billing in Platform Billing settings.

Monthly — standard rate
Quarterly — 8% discount on the period total
Yearly — 20% discount on the period total

Onboarding cost calculator

Enter how many active members you expect when you go live. We show estimated platform subscription totals for monthly, quarterly, and yearly billing so officials can plan before sign-up.

View your current invoice, M-Pesa Paybill 522533 account reference, and payment history after sign-in.

Open Platform Billing

Frequently asked questions

What is Nichomez?

Nichomez is cloud software for help groups, GROUP/SACCOs, and cooperatives: one system of record for members, money movement, loans, and reporting. Each GROUP/SACCO is a separate tenant with its own data and policies.

Where do I sign in or register?

Use api.nichomez.com for member and official access (web or Android). Officials create a GROUP/SACCO via sign-up; members can self-register into an existing group after paying the registration fee by M-Pesa STK. This marketing page shows live aggregate statistics only — not your personal account.

Is there an Android app?

Yes. The Nichomez Android app mirrors the web portal: home dashboard, loan workspace, wallet and STK repayments, dividends on profile, debt collection, and push notifications. Sign in with the same api.nichomez.com credentials (package com.nichomez.app). The app is published by Nichomez Enterprise on Google Play. Until your device shows the Play listing, you can still request a signed release APK from the App section or info@nichomez.com. Privacy Policy, Terms, and account deletion: privacy, terms, delete account.

Can our GROUP/SACCO run debt collection through members?

Yes, when officials enable the debt collection program. Collectors apply, get approved, claim cases from a tiered job board, and earn commission on recoveries subject to program caps and oversight logs.

Which payments are supported?

M-Pesa Paybill 522533 with account 8091352# plus your GROUP/SACCO code (each tenant has its own code — never reuse another SACCO’s account), M-Pesa STK push (including batch), and KCB Buni e-wallet settlement for deposits, registration fees, withdrawals, and commission payouts.

How does platform billing work?

Nichomez bills the GROUP/SACCO organization KES 50 per active member per month (quarterly −8%, yearly −20%). New groups get a 1-month free trial. Officials pay from Platform Billing via M-Pesa STK or Paybill invoice reference.

Can loans auto-disburse?

Yes, when a SACCO enables savings-backed auto-disburse. Eligible amounts are limited by the member’s live behaviour score (up to 2× savings), not the full apply ceiling (often ~3×). Medicare/education products and stretch tenure always need committee review.

Ready to run your GROUP/SACCO on Nichomez?

Get started Join a GROUP/SACCO Sign in