Billing & Subscription Policy

Effective date: 20 August 2026

Registration and subscription

New group registration is KES 500. Monthly subscription is based on active members: Starter (1–30) KES 600, Growth (31–100) KES 1,200, Business (101–300) KES 2,500, and Enterprise (301+) custom pricing. A group’s member joining fee is separate and is credited 100% to that group after confirmed payment. Vozua adds a fixed KES 50 member activation fee for each new member account. Where a group is linked to a Vozua agent, 20% of eligible Vozua revenue is credited to that agent through the main Vozua commission system.

Membership operating fee

Each group may maintain a recurring membership fee to fund genuine operating costs. The elected Secretary proposes the amount and collection frequency (for example weekly or monthly), the elected Chairperson approves or rejects it, and an approved change is reflected in the group Rules & Policies / Constitution record.

Real operating costs only

The operating-cost ledger records confirmed costs created by real transactions only: SMS purchases, the applicable tier-based platform subscription, the disclosed outgoing transfer/loan-payout fee and actual bank or Paybill settlement fees. Generic labels such as “administration” or estimated operational expenses are not posted as expenses unless a real supported transaction exists.

Transaction charges

Supported Vozua Pay transactions carry a 2.5% transaction fee where shown. The fee is always rounded up to the next whole currency unit so a payer is never asked to submit a decimal fee. For member contributions and repayments, the group amount is shown separately from the transaction fee. For outgoing group-wallet transfers, including approved loan payouts to a member’s mobile number, the 2.5% fee is disclosed before approval and included in the total debit.

Pay from Vozua Wallet

Where sufficient available group-wallet funds exist, an authorised group official may purchase SMS units, renew the platform subscription or process an approved payout through the required governance workflow. Each confirmed service purchase or transfer is recorded with its transaction reference.

Payment confirmation

A payment request, prompt or pending status does not activate a service or credit an account. Registration, subscription, wallet, contribution and SMS balances update only after the payment provider returns a confirmed successful status accepted by the platform.

Failed, cancelled or delayed payments

Failed, cancelled, rejected or expired payments do not extend a subscription or credit a balance. If a payment remains pending, the platform may continue reconciliation using the provider reference; users should not submit duplicate payments until the latest status is checked.

Refunds and payment disputes

If you believe you were charged incorrectly, provide the payment reference and account details to support@vozua.com. Refund eligibility depends on the payment status, service already delivered, provider rules and applicable law. Duplicate or erroneous confirmed payments are reviewed against provider records before any adjustment.