Bulk SMS · SACCOs
Bulk SMS for SACCOs in Kenya
Send dividend payment alerts, AGM notices, loan repayment reminders, and member statements from one dashboard — with your SACCO name as the sender. Trusted by Kenyan SACCOs, with M-Pesa Paybill billing and rates negotiated per SACCO.
+254 111 336 506 · hello@xyratechnology.co.ke · same-business-day account setup
What SACCOs send
Built for the way Kenyan SACCOs actually communicate with members
Dividend & rebate payment alerts
Notify every member the moment their dividends and interest rebates are paid out. No more queues at the office or unanswered phone calls during dividend season.
AGM, SGM & election notices
Send the legally required AGM notice to your entire membership in seconds, with venue, date, agenda link, and proxy form details. Compliant with SASRA member-communication guidelines.
Loan repayment & arrears reminders
Cut delinquency by reminding borrowers 3 days before due date, on due date, and on the day repayment is missed. Personalised with each member's outstanding balance.
Statements, share contributions & FOSA alerts
Confirm every share deposit, FOSA transaction, and BOSA contribution by SMS — the cheapest way to build member trust in your back office.
Why SACCOs choose Xyra
Built for SASRA-regulated SACCOs, not a global SaaS dashboard
Branded sender ID
Members see your SACCO name as the sender (e.g. UMOJASACCO) — essential for trust, especially with dividend and loan messages. Sender ID registration is included.
Per-SACCO negotiated rate
New accounts typically start around KES 0.60 per SMS and drop to KES 0.40–0.50 as your AGM and dividend volume grows. No package lock-ins.
M-Pesa Paybill top-ups
Top up the SMS wallet via M-Pesa Paybill or bank transfer. VAT-compliant receipts are issued automatically for clean SASRA-ready bookkeeping.
Delivery reports per message
Prove a notice was delivered to a specific member's phone — useful for AGM quorum audits and loan-arrears disputes.
Upload from your core system
Export from Sacco Solutions, Bankers Realm, Microsave, or any CSV — upload, merge fields like {{name}} and {{balance}}, and send.
API integration
Trigger SMS directly from your SACCO management system at the moment of a deposit, loan disbursement, or repayment via our simple JSON HTTP API.
Cost
What it costs a Kenyan SACCO
Xyra Bulk SMS uses per-account pricing. New SACCO accounts typically start around KES 0.60 per SMS and the rate is adjusted down to KES 0.40–0.50 as your monthly volume grows.
| Scenario | Members | Per SMS | Cost per send |
|---|---|---|---|
| Small SACCO, monthly statement | 800 | KES 0.60 | KES 480 |
| Mid-size SACCO, AGM notice | 5,000 | KES 0.50 | KES 2,500 |
| Large SACCO, dividend announcement | 25,000 | KES 0.45 | KES 11,250 |
Indicative rates for messages of ~1 GSM-7 segment. Messages over 160 characters or with accented/Swahili-diacritic content are billed per 2 segments. Talk to us for an exact quote.
Getting started
From first call to first member SMS — usually the same day
- 1
WhatsApp or email us
Tell us your SACCO name, membership size, and the SMS types you need (dividends, AGM, loan reminders). We quote a per-SMS rate on the spot.
- 2
We provision your account
We create your dashboard login and start the sender ID registration with Safaricom, Airtel, and Telkom (2–5 business days).
- 3
Top up via M-Pesa Paybill
Load any amount as SMS credits. VAT-compliant receipt issued automatically — clean for SASRA audit.
- 4
Upload or integrate
Upload a member CSV from your core system, or have your MIS vendor integrate our HTTP API for automatic transaction alerts.
FAQ
Frequently asked questions from SACCOs
How much does bulk SMS cost for a SACCO in Kenya?+
Xyra Bulk SMS uses per-account pricing. New SACCO accounts typically start at around KES 0.60 per SMS and the rate drops to KES 0.40–0.50 as your monthly volume grows. A mid-size SACCO sending one AGM notice to 5,000 members spends ~KES 3,000 per send.
Can the SMS show our SACCO name as the sender?+
Yes. We register an alphanumeric sender ID with the Kenyan carriers on your behalf (up to 11 characters, e.g. UMOJASACCO, STIMASACCO, or your shortened SACCO name). Registration takes 2–5 business days and is included with your account.
Is this compliant with SASRA member-communication requirements?+
Yes. SMS is widely accepted by SASRA as an effective member-communication channel for AGM notices, dividend payments, and loan alerts. Delivery reports are kept on your account for audit trail purposes.
Can I send each member their own dividend amount?+
Yes. Export your member-with-dividend list from your core SACCO system (Sacco Solutions, Bankers Realm, etc.), upload it, and use merge fields ({{name}}, {{amount}}) in the template. Each member receives a personalised message.
Can we integrate it with our SACCO management system?+
Yes. We expose a simple JSON HTTP API at docs.xyratechnology.co.ke. Your core banking / SACCO MIS vendor can trigger SMS automatically on deposits, withdrawals, loan disbursements, and repayments. We have worked with several Kenyan SACCO core systems.
How do we pay for SMS credits?+
Top up the SMS wallet via M-Pesa Paybill or bank transfer. VAT-compliant receipts are issued automatically for every top-up — clean for SASRA audit and your annual returns.
Is there a monthly subscription fee?+
No. There is no monthly platform fee and no minimum commitment. You pay only for the SMS you send, at your negotiated per-SMS rate.
Ready to send your next AGM notice or dividend alert?
Tell us your membership size and the SMS types you need, and we'll quote a per-SMS rate and provision your SACCO account the same business day.