Someone else can pay for you.
Create a link in seconds and send it on WhatsApp, SMS or Email for a loved one to help pay for you. The payment credits your savings or wallet directly.
The problem
Sending money for someone shouldn't be guesswork.
One link, a fixed amount, a fixed purpose, automatic posting, no extra fees, and a receipt to both sides.
Account numbers on WhatsApp
The old way
✕ Digits pasted into a chat, retyped wrongly, and impossible to verify.
HelpMePay
One link with a fixed amount and a fixed purpose — nothing to retype.
No proof of what it was for
The old way
✕ A transfer alert that says nothing about which day or which product it covered.
HelpMePay
The purpose is printed on the link and on both receipts.
The sponsor never knows it landed
The old way
✕ You send money and hope it actually reached the savings.
HelpMePay
Automatic posting to the exact day or wallet, with a receipt to both sides.
What you can ask for
Any MamaSave product, paid by someone else.
Daily Savings
Today's day or any unpaid day — pick one day or several days at once and get a single link for the total.
Wallet top-up
Any amount, credited straight to your MamaWallet balance the moment payment confirms.
Committee of Friends
Ask someone to pay your share of a contribution event without sharing the event's account details.
Turn-by-Turn Contribution
Cover a cycle contribution so your slot stays in good standing.
WealthPot Fixed Deposit
Let a sponsor invest into your WealthPot fixed deposit for you.
Airtime, data & power
Request airtime, data bundles or prepaid power tokens and have them delivered on payment.
How it works
Link to receipt in four steps.
- 1Choose
Pick what you need paid
Select the product, the day or days, and the amount. MamaSave works out the total for you.
- 2Share
Generate and send the link
The link is created automatically. Share it on WhatsApp, SMS or Email in one tap.
- 3Pay
Your sponsor taps to pay
They see your name, the purpose and the amount only — then pay by card, transfer or USSD.
- 4Post
It posts automatically
Payment confirmed: your day is marked paid or your wallet is credited, and both of you are notified.
For sponsors
No app, no signup, no MamaSave account.
Your sponsor opens the link and pays in whichever way suits them.
Card
Paid through the secure Paystack modal. Confirms instantly and posts to your account immediately.
Bank transfer
Transfer to the Cooperative collection account shown on the link. Shows as pending until the bank credit is confirmed.
USSD
Tap to dial the USSD string from their phone. Also shows as pending until the credit lands.
Privacy and safety
They help you pay — they don't see your money.
Only three things are visible
Your name, the purpose and the amount. No balance, no account details, no phone number.
Never a personal account
Money goes to the Cooperative's collection account — not to an individual's bank account.
Short-lived links
Links expire after a few hours and cannot be reused once the payment has gone through.
Everything is logged
Each payment is recorded with a reference, the payer's name and a timestamp.
Trust and control
You stay in charge of every link.
Your link history
Every link you created, with its live status — active, paid or expired — in one list.
No manual reconciliation
Funds are applied automatically to the exact day or wallet you chose. Nothing to match up later.
Cooperative-held funds
MamaSave Eliozu Multipurpose Co-operative Society Limited (MamaSave Cooperative Ltd) holds the funds; Pearl Systems Ltd provides the technology.
Who uses it
The people already paying for someone.
Children abroad
Paying a parent's daily savings from London, Toronto or Dubai without sending account numbers home.
Husbands and partners
Topping up a wife's savings cycle so no day is missed while she's busy.
Employers
Paying staff contributions in bulk, one link per staff member, each posting to the right account.
Friends
Covering a friend's missed day when cash is tight, with proof it actually landed.
Fees
Free to create, free to share.
No extra HelpMePay fee
Creating a link, sharing it and receiving the payment cost nothing additional. Nothing is added on top of what your sponsor pays.
Standard product fees apply
The usual fees for the underlying savings or wallet product still apply, exactly as they would if you paid yourself.
FAQ
Frequently asked questions.
Create your first HelpMePay link.
Pick the day, share the link, get notified the moment it's paid.
Funds are received by MamaSave Eliozu Multipurpose Co-operative Society Limited (MamaSave Cooperative Ltd). Pearl Systems Ltd provides the technology.