Built for Nigerian cooperatives

Stop chasing dues. Collect them on autopilot.

Give every member their own virtual account. Payments reconcile themselves, invoices mark as paid, and receipts go out on WhatsApp — no spreadsheets, no manual matching.

14-day free trial No card required Set up in minutes
Receipt sent
Auto-reconciled
AO
Adaeze Okafor
Member · MBR-0042
Virtual account
9021 4471 03
Wema Bank · auto-generated
Transfer received
From member's bank
+₦15,000
Matched to invoice
March dues · INV-0042
Marked as paid
Balance updated instantly
Receipt delivered
Sent on WhatsApp
How it works

Three steps to zero-touch collections

Set it up once. Every payment after that handles itself.

01

Add your members

Import your member list or add them one by one. Each person instantly gets a dedicated virtual bank account in their name.

02

Set your dues

Create monthly levies, one-off charges, or event payments. Invoices generate automatically on the schedule you choose.

03

Get paid, hands-free

Members pay into their account. We match the payment, mark the invoice paid, and send a WhatsApp receipt — all on its own.

Everything in one place

Built for how cooperatives actually run

From dedicated accounts to event collections, Collxct handles the whole money flow.

Dedicated virtual accounts

Every member gets a unique account number. No more guessing who sent what — each transfer is tied to one person.

Automatic reconciliation

Payments match themselves to the right invoice the moment they land. Your books stay current without lifting a finger.

WhatsApp receipts & reminders

Members get instant confirmation when they pay, and gentle nudges before dues are due — on the app they already use.

Member portal

Members check their balance, see invoices, and find their account number from a clean, mobile-first portal.

Event payments

Collecting for a wedding, levy, or end-of-year party? Share a payment link and track every contribution in real time.

Support built in

Members and admins raise issues right inside Collxct. Nothing falls through the cracks of a WhatsApp group again.

For organizations

Run your cooperative's money like a fintech, without hiring one.

  • Track every member and their balance
  • Automated invoicing on your schedule
  • Export-ready records for AGMs
  • Invite members in one tap
Create an account

For members

Know exactly what you owe and what you've paid, anytime.

  • Your own virtual account number
  • See invoices and payment history
  • Instant WhatsApp receipts
  • Raise an issue without the group chat
Open member portal
Simple pricing

Plans that grow with you

Start free for 14 days. Pick a plan when you're ready — no surprises.

Events Only
₦5,000/mo
For groups that only collect for events.
  • Unlimited payment events
  • Shareable payment links
  • Real-time tracking
Popular
Starter
₦15,000/mo
For small cooperatives getting organized.
  • Up to 100 members
  • Virtual accounts & reconciliation
  • WhatsApp receipts
Growth
₦35,000/mo
For established associations scaling up.
  • Up to 500 members
  • Everything in Starter
  • Priority support
Enterprise
₦75,000/mo
For large unions and multi-branch groups.
  • Unlimited members
  • Everything in Growth
  • Dedicated onboarding

A small 0.5% service fee applies to collections. No hidden charges.

Ready to collect on autopilot?

Set up your cooperative in minutes. Your first 14 days are on us.