From joining a group to getting paid
Six steps, one continuous loop. Here's exactly what happens at every stage of a susu cycle on ntoboa.
Create your wallet
Register with your name, phone, and email. A wallet is created for you automatically — GHS 0.00, ready to top up.
Create or join a group
Start a new susu circle with a contribution amount and frequency, or join one an organizer invites you to.
Top up with MoMo
Fund your wallet with MTN, Telecel, or AirtelTigo mobile money — a real charge, confirmed in real time.
Get paid, on rotation
Once every member has contributed for the cycle, the payout fires automatically to whoever's turn it is.
Every step, in detail
Create your account and wallet
Sign up with your name, phone number, and email. Your personal wallet is created in the same instant — every top-up, contribution, and payout you ever make runs through this one balance.
Create a group, or join one
As an organizer, set the contribution amount, how often the group pays out (weekly, biweekly, or monthly), and how many members the rotation holds. As a member, join an existing group — your spot in the rotation is assigned the moment you join, in order.
Once every rotation slot is filled, the group activates automatically and cycle one opens.
Top up your wallet
Add funds via MTN, Telecel, or AirtelTigo mobile money — pick your network, enter your number, and approve the prompt on your phone. Charges are processed through a real payment provider, not a manual "I sent it, trust me" message.
Contribute each cycle — one tap
When a cycle opens, contributing is a single tap from your wallet balance. You'll always be able to see who else in the group has contributed for the current cycle and who hasn't yet.
Automatic, fair payout
Payouts never depend on someone remembering to send money manually. Once everyone has contributed for the cycle and the cycle's scheduled payout time arrives, the whole pot — minus any organizer commission, capped at 15% and agreed upfront — is sent to whoever's turn it is.
Track everything, always
Every top-up, contribution, payout, and commission is recorded on an append-only ledger — nothing is ever silently edited. You'll get an SMS, email, and push notification for the moments that matter, and a full activity feed for everything else.
Running a group can earn you a fair commission
Organizers can optionally set a commission on each cycle's payout — a flat amount or a percentage, capped at 15% of the pot no matter which type is chosen. That cap is enforced the moment the group is created, so members always know the maximum they could ever be charged.
If an organizer is also a contributing member and it's their own turn to be paid, they never pay themselves a commission — it's automatically waived on their own cycle.
Commission visibility can be public (the exact rate is shown to everyone) or organizer-only — but even then, members are always told upfront that a management fee exists before they join.
Example: GHS 600 pot
6 members × GHS 100, organizer takes 10% commission