Wakandi Pay overview

Settings & Administration Updated 1 Aug 2026 Version 1

Summary

Wakandi Pay links your SACCO to the banks and mobile money providers your members use, so collections and disbursements reach CAMS without manual entry. About 4 minutes · 6 steps. Also called: online payments, mobile money, MNO integration, payment provider.

Prerequisites

  • Your CAMS sign-in.
  • At least one payment provider connected for your SACCO by a Wakandi administrator, who sets pooled or dedicated.
  • A role that can open Business Account and Transactions.

Step-by-step

  1. Sign in to CAMS. You land on the Dashboard.
  2. In the left menu, click Business Account. The header shows Account ID, Fees Wallet, Due Amount and Status, plus a row of tabs.
  3. Stay on the Collection and Disbursements tab. Read Balance and Pending Settlement, then scan for COLLECTION rows and their Settlement tag.

Note: Only the Pending Settlement amount moves to your bank account in the next settlement cycle. Read the on-screen message before you treat Balance as money already banked.

  1. Click the Quick Loan tab. The wallet has its own Balance and Pending Settlement, with rows such as TOP_UP.
  2. Click the Expenditure tab. It lists fees charged to the business account, such as Service Fee rows with their Client/Member. Turn the Convenience Fee switch on for convenience-fee rows only, off for the full list.
  3. In the left menu, expand Transactions and click Online. Each payment shows Payment Provider, Transaction Type (POOL_COLLECTION, POOL_DISBURSEMENT or TOP_UP), Status and Reconciled.

Next: Bank integration and Fund settlement.

Common pitfalls & FAQ

  • What is the difference between a dedicated, pooled and trust account? Dedicated: your SACCO holds its own account with the provider and controls the funds. Pooled: Wakandi holds a payment licence in that country and collects and pays out for you, then settles into your bank account. You skip opening an account with every provider. Trust accounts are third-party trusts Wakandi is setting up in some countries. They work like pooled accounts but hold funds longer for future payments. An administrator sets the type per provider.
  • A collection succeeded but the money is not in our bank. Check Pending Settlement on Collection and Disbursements. A high figure means recent payments are waiting for the settlement cycle, not lost.
  • A payment shows Status Success but Reconciled is empty. It still needs reconciliation. On Transactions > Online, click Online Transaction Reconciliation, choose the provider and follow the upload steps.
  • A member says they paid and nothing happened. Open Transactions > Online, set Start Date and End Date around the payment time, and read Status. Copy the TransactionReferenceID and External Id before escalating to support or the provider.
  • I don't see the Fee Settings or Invoices tab. These appear only when your role allows. Ask an administrator.
  • Does Wakandi take a share of our loan interest? No. Your SACCO keeps its interest. Wakandi earns usage-based fees, shown on the Expenditure tab.