Paykko - épargnes digitales

Gara SAS

About this app

Paykko: Savings that connect you

Paykko modernizes savings and rotating savings and credit associations (ROSCAs) by making them digital, secure, and accessible to everyone. Whether you want to save on your own to build your project or join a group to amplify your impact, Paykko is your trusted partner.

✨ NEW: INDIVIDUAL SAVINGS — Prepare for your future

Don't have a group yet? No problem. Start saving on your own, at your own pace.

- Flexible savings: Set aside according to your means.

- Stepping stone to a group: Once you've established your savings routine, join trusted ROSCAs to benefit from the collective strength.

- Complete autonomy: Manage your personal savings discreetly before taking the next step.

🔒 SECURE GROUP ROSCAS

Each cycle is clearly defined: amount, participants, payment order. Everything is automated and transparent.

⚡ AUTOMATED PAYMENTS

Contributions are managed via Mobile Money (MTN, Orange Money, Wave, Free Money, etc.). No more manual reminders, no more calculations, no more stress.

📊 CREDIT SCORE — Your diligence is rewarded

Your history (individual or group) builds your credit score. The more consistent you are, the higher your score, giving you access to bank loans through our microfinance partners.

🌍 REMOTE TONTINES

Ideal for the diaspora and dispersed families. Save with your loved ones, whether they're in the next town or on the other side of the world.

🛍️ MARKETPLACE (Coming Soon)

Take advantage of the community's purchasing power to buy your equipment (phones, appliances) at discounted prices from partner wholesalers.

HOW DOES IT WORK?

- Start saving on your own or join a tontine directly.

- Define the rules (amount, frequency, participants).

- Contribute automatically via your mobile phone.

- Receive your pot or securely access your savings.

WHO IS IT FOR?

- Individual savers who want to structure their savings before joining a group.

- Friends, family, and colleagues wishing to undertake a joint project.

- The diaspora to support projects back home with complete transparency.

- Business owners and artisans looking for a reliable alternative to the traditional banking system.

KEY FEATURES

- Individual & Group Savings: Easy transition between the two.

- Multi-operator: Compatible with all mobile money services.

- Cross-border Payments: Tontines between different countries.

- Full Traceability: Complete history and real-time notifications.

- Flexibility: Weekly, bi-weekly, or monthly cycles.

- Transparency and Trust: With Paykko, the tontine becomes a reliable, modern, and above all, accessible tool for solidarity, both for those starting alone and for those moving forward together.

Ratings and reviews

I really appreciate the simplicity. That's us my first tontine application and I really appreciate

Yes it doesn't open up on my Huawei y9 phone the app always logs me out I can't even use the app on my phone or is my phone the problem? Cus it doesn't work at all on my phone I can't even use it and I don't know why

This app is good, it helps me to save my money safely.

What’s new

- Improved the withdrawal experience with a slider.
- Fixed bugs and improved app stability.
- Improved notifications.