How do I manage a stokvel via SMS?

With EasyStokvel, members text commands to shortcode 40877. PAID records a contribution, STATUS shows who has paid, TRUST shows a member's trust score, and TURN shows whose payout is next. No app download needed.

Does EasyStokvel work without a smartphone?

Yes. EasyStokvel works on any phone that can send an SMS. Members do not need a smartphone, data, or app.

How much does stokvel management software cost in South Africa?

EasyStokvel starts free (up to 10 members). Organiser is R99/month for one group with unlimited members. Growth is R199/month for up to 5 groups. All paid plans include a free 30-day trial.

What is a stokvel trust score?

EasyStokvel assigns every member a trust score from 0–100 based on payment behaviour — whether they pay early, on time, or late. Elite members (90–100) pay consistently early. Treasurers see scores in the dashboard. Members check their own score by texting TRUST to 40877.

Is EasyStokvel registered with NASASA?

Yes. EasyStokvel is registered with NASASA (National Stokvel Association of South Africa) and is POPIA compliant.

What is the EasyStokvel shortcode?

The EasyStokvel SMS shortcode is 40877. Members text PAID, STATUS, TRUST, TURN, BALANCE, or HELP to this number.

Live in South Africa · SMS 40877

"Not this
again."

EasyStokvel runs your stokvel so you don't have to.
No app. No data. Any phone.

🔒Your money never moves through us. We only keep the books.

See how it works

Any phone. we write it down.

PAID

✓ Got you, Gladys. R500 noted for this month. 8 of 12 have paid so far.

No app requiredWorks on any phoneSMS in English, Zulu & Sotho30-day free trialMembers never pay anythingYour money stays in your accountPOPIA compliantAutomated remindersTrust scores built inInstant payment confirmationNo app requiredWorks on any phoneSMS in English, Zulu & Sotho30-day free trialMembers never pay anythingYour money stays in your accountPOPIA compliantAutomated remindersTrust scores built inInstant payment confirmation

Sound familiar?

Every treasurer has
been here.

The money doesn't go missing. The records do. And when they do, the treasurer takes the blame.

"Did Thabo pay this month?"

Text STATUS to 40877. Right now. Done.

"Did you get my proof of payment?"

Send it on WhatsApp. Books are updated for you.

"When is it my turn to get paid?"

Text TURN. See who's next in line, no debate.

When is the next meeting?"

They get reminded. Automatically

How it works

Three steps. That's it.

01

📋

You register

Tell us about your group. Takes 2 minutes.

02

💬

Share 40877

Your people text PAID to 40877. That's their part done

03

⚡

You run the show

See who's paid. Who hasn't. Who's next. All in one place, on any device.

Why EasyStokvel

We make
things easy.

01 — SMS Native

📱

If you can send a text,
you're in.

No app. No data. No login.

Use SMS or WhatsApp

02 — Multilingual

🗣️

English. Zulu.
Sotho.

If your member thinks in Zulu, she should be able to keep up with her stokvel in Zulu.

English

✓ Your payment of R500 has been recorded for March.

Zulu

✓ Inkokhelo yakho ka-R500 ibhaliswe ngo-March.

03 — Trust Scoring

⭐

A score that follows
you everywhere.

Pay early, score goes up. Miss a month, score drops.

Elite

90+

Reliable

75+

Average

60+

At risk

<60

🔒

Your money never moves through us

We are not a bank. We keep the books.

Every Rand stays in your group's own account. The same TymeBank, Capitec, or FNB account you've always used. We only track who paid, when they paid, and who's next.

What members text

Six words.
That's all they need to know.

No app download. No smartphone needed. Works on any phone that can send a text.

💳

PAID

Mark yourself as paid

📋

STATUS

See who's paid and who still owes

⭐

TRUST

See your standing in the group

🔄

TURN

See who's getting paid next

💰

BALANCE

See how much is in the pot

📱

HELP

Get the list of all commands

All commands sent to 40877 · Available 24/7 · Replies in seconds · Works on Vodacom, MTN, Cell C, Telkom

Meets people where they are

Nobody changes
how they communicate.

Feature phone? SMS. Smartphone? WhatsApp. Both are welcome. The system handles it.

For members

📱

Any phone. Any network.

If you can send a text, you're in. Nokia, Samsung, iPhone, it doesn't matter.

PAID

✓ Got you, Thabo. R600 noted for this month. 9 of 12 have paid so far.

For treasurers

💬

Stay in WhatsApp.

Someone sends their proof of payment. You don't lift a finger. The record updates itself.

Nomsa

📎 March proof.jpg

✓ Got it Nomsa. R800 recorded for March. You're all good.

WhatsApp Business API — coming soon

Trust scoring

Know exactly who
you can trust.

Every member earns a trust score based on one thing: do they show up every month? Not credit history. Not who they know. Just behaviour. It travels with them across every group they ever join on EasyStokvel.

Elite90–100

Always early. Never missed a month.

Reliable75–89

Shows up. Every time.

Average60–74

Mostly there. Needs a nudge sometimes.

At risk40–59

Worth a conversation before the next payout.

Coming soon: Elite and Reliable members unlock partner benefits — grocery discounts, micro-loan access, and more. The score you build here will mean something beyond the stokvel.

Member trust scores · March 2026

Thabo M.

Elite94

Zanele K.

Reliable88

Sipho D.

Average72

Nomsa P.

Average61

Lerato B.

At risk45

Scores update automatically after every payment

Pricing

Start free.
Upgrade when ready.

The organiser pays. Members never pay anything. Ever.

Free

R0/month

Try it out. No pressure.

Up to 10 members · 1 group

Everyone can text in — any phone, any network

See who's paid. Who hasn't. Who's next.

Payments recorded the moment they come in

No card needed

Use English, Sotho or Zulu

SMS only

The group deserves this.
So do you.

Start free. No card. No spreadsheets. Stop being the villain when records go missing.

"Not thisagain."

Every treasurer hasbeen here.

Three steps. That's it.

We makethings easy.

Six words.That's all they need to know.

Nobody changeshow they communicate.

Know exactly whoyou can trust.

Start free.Upgrade when ready.

The group deserves this.So do you.