When it's time to contribute, everybody sees the same total.
Contribute money for a friend or family member for a wedding, funeral, medical bill or other life milestone — one link, one account, one running total.
Start a Contribution Event
The problem
WhatsApp group chaos vs. MamaSave CoFC.
The contribution always happens. What changes is whether anybody can prove what came in and where it went.
Screenshots as proof
WhatsApp group
✕ Transfer receipts scattered across a chat thread — nobody has the real total.
MamaSave CoFC
One running total on the event page, updated the moment money lands.
One person holding cash
WhatsApp group
✕ Money sits in a personal account with no visibility and awkward questions.
MamaSave CoFC
A dedicated deposit account for the event — never the organiser's wallet.
Disputes at the end
WhatsApp group
✕ Who paid, who didn't, and where the balance went — argued after the event.
MamaSave CoFC
A public ledger with contributor names, amounts and timestamps.
How it works
From idea to payout in four steps.
- 1Create
Create the event
Set the title, purpose (wedding, funeral, school fees, medical or other), the story, target amount, minimum contribution, and the open and close dates.
- 2Name
Name beneficiaries and a co-signer
Say exactly who the money is for, and who must approve the release. Both are locked onto the event and visible to every contributor.
- 3Share
Share the link
The event gets a dedicated deposit account and a share code. Contributors pay by card, bank transfer or USSD — no account needed.
- 4Pay out
Close and pay out
A 48-hour hold runs after close, the co-signer approves by SMS link + OTP, and funds move to the named beneficiaries.
Trust and control
The money is never one person's to move.
Dedicated event deposit account
Every event gets its own deposit account. Contributions never sit in the organiser's personal wallet.
Named beneficiaries, locked
Who the money is for is fixed on the event and visible to every contributor before they pay.
Co-signer approval
No release happens without the named co-signer approving through an SMS link and a one-time password.
Live public ledger
Raised versus target, the contributor list and timestamps — visible to everyone with the link.
Full audit trail
Every change to an event — dates, target, beneficiaries — is recorded and time-stamped.
Cooperative-held funds
Funds are received by MamaSave Eliozu Multipurpose Co-operative Society Limited (MamaSave Cooperative Ltd) and forwarded to the named beneficiaries. Pearl Systems Ltd provides the technology.
For contributors
No account needed to give.
Contributors never sign up. They open the link, pay, and get a receipt.
No signup, no download
Open the link, enter an amount and a name, pay. That's the whole flow.
Card, transfer or USSD
Pay by card through the Paystack modal, bank transfer to the event account, or tap-to-dial USSD.
Named or anonymous
Give under your name or anonymously. The organiser sets the minimum contribution.
Instant receipt
You get a receipt immediately, plus a link to the Contributor Terms.
Fees
One percent, always capped.
A one-off setup fee per event (currently ₦0, admin-set) and a capped platform fee deducted from the pool at payout — never charged to individual contributors.
| Tier | Pool size | Rate | Cap |
|---|---|---|---|
| Tier 1 | ₦0 – ₦1,000,000 | 1.00% | ₦5,000 |
| Tier 2 | ₦1,000,001 – ₦5,000,000 | 1.00% | ₦10,000 |
| Tier 3 | Above ₦5,000,000 (max ₦50,000,000) | 1.00% | ₦20,000 |
💡 Worked example
₦5,000,000 raised, less the ₦10,000 capped platform fee = ₦4,990,000 paid to the named beneficiaries.
What is deducted, and when
The platform fee is deducted once, from the pool, at the point of payout. Nothing is added on top of a contributor's payment, and there are no monthly or maintenance charges on an event.
Lifecycle
Every event follows the same states.
Draft → Active → Closed → Paid out
An event can also be Cancelled at any point before payout. The current state is shown on the public event page.
48-hour payout hold
After close, funds are held for 48 hours so any regulatory issue can be raised before release.
Dormancy after 7 quiet days
Seven days with zero contributions: draft events expire, active events go dormant, and the dedicated deposit account is released.
Under-target events
The organiser chooses: extend the close date, close and pay out what was raised, or cancel the event.
Use cases
What people actually raise for.
Lagos wedding
60 friends contribute over 14 days; the couple are named as the beneficiaries on the event.
Enugu burial
A family committee raises funeral costs, and the eldest son co-signs the release.
School fees rescue
Colleagues pool for a member's children, with the school named as the beneficiary.
Medical emergency
A hospital bill event closes within 72 hours and pays out the same week.
FAQ
Frequently asked questions.
Start your contribution event in under five minutes.
Name the beneficiaries, pick a co-signer, share the link. Everyone sees the same total, all the way to payout.
Funds received by MamaSave Eliozu Multipurpose Co-operative Society Limited (MamaSave Cooperative Ltd) and forwarded to the named beneficiaries. Pearl Systems Ltdprovides the technology.