01Onboard
Members join once, completely.
KYC, registration fees, beneficiaries and share capital captured on day one — one record the whole office can trust.
- KYC verified
- Fees receipted
- Share capital opened
The SACCO operating platform
Every member. Every shilling.One clear path.
TapTapSave moves your SACCO's entire journey — onboarding, savings, share capital, loans, payments and reports — along one accountable, auditable line.
Umoja SACCO
Operations overview
Members
4,862
+34 this month
Monthly collections
KES 8.4M
92% of target
Active loans
1,208
KES 74M portfolio
Collection trend
Requires attention
- Loan approvals12
- Unmatched payments8
- Member reviews17
01 / The flow
Follow money through your SACCO.
Four moments define every cooperative. Scroll through them — TapTapSave keeps all four on one traceable line.
02Save
Contributions land where they belong.
Deposits match themselves to members and purposes, share capital accrues, and receipts issue instantly. No orphan payments.
- Auto-matched deposits
- Instant receipts
- Live balances
03Borrow
Loans move without losing control.
Guarantors, appraisal, maker-checker approvals and disbursement in one traceable flow — repayments schedule themselves.
- Guarantor checks
- Maker-checker approvals
- Auto schedules
04Grow
Growth everyone can verify.
Dividends, statements and regulator-ready reports come from the same line of record. Your audit trail is already written.
- Dividends computed
- Regulator-ready returns
- Full audit trail
02 / The platform
Designed for today's cooperatives — beyond ledgers and spreadsheets.
Smart reconciliation
Incoming payments match themselves to members and purposes; only exceptions queue for review.
This week
1,284 matchedMember 360
Profiles, documents, beneficiaries, fees and share history kept together in one living record.
- AKAmina K.Active
- DODavid O.Active
- GWGrace W.Review
Maker-checker control
Sensitive actions require the right people, in the right order, every time.
Full loan lifecycle
Products, guarantors, schedules, disbursement and follow-up in one flow.
Regulator-ready reports
Returns, trial balances and portfolio reports drawn live from operations — no month-end panic.
Member self-service
Members follow contributions, loans, receipts and statements without another office visit.
99.9%
of incoming payments reconciled automatically
60%
less time spent closing each month-end
100%
of sensitive actions held on the audit trail
03 / Accountability
Bank-grade control, across every branch.
Cooperative money is community money. TapTapSave protects it with controls your auditors will recognise — and your members can feel.
- Role-based access scoped to branch and duty
- Maker-checker chains on every sensitive action
- An immutable, exportable audit history
- Encrypted member records and documents
Live audit trail
Recording- 09:41Approved
Loan LN-2048 approved
Maker: J. Wanjiku · Checker: D. Otieno
- 09:36Matched
KES 12,500 matched to M-0871
Contribution · M-Pesa paybill
- 09:28Pending
Share transfer requested
Awaiting second approval
- 09:15Complete
Member M-1204 onboarded
KYC verified · fees receipted
04 / Questions
Asked by every SACCO before they switch.
How fast can our SACCO go live?
Most SACCOs are live in two to four weeks — including configuration of membership rules, fees, contribution and loan products, staff roles and approval paths.
Can we migrate our existing member records?
Yes. Structured imports bring members, balances, share capital and loan books across, with verification reports at every step so nothing is lost on the way.
How does TapTapSave keep funds accountable?
Role-based permissions, maker-checker approvals and a permanent audit trail mean no shilling moves without the right people seeing it — and signing for it.
Does it work for multi-branch SACCOs?
Branch-level operations roll up into one organisation-wide picture, with permissions scoped per branch, per role, or both.
What do our members actually see?
A self-service view of their contributions, share capital, loan progress, receipts and statements — fewer office queues, more member trust.
Ready when your SACCO is
Put your SACCO on the path.
See members, money and decisions move along one accountable line. Book a 30-minute walkthrough with our team.