Products

C-Pay is a secure revenue collection system that enables County Governments to collect payments from all
services offered and accepts payments through multiple channels including mobile money and card. The
system is supported by Escrow Financial Solutions (EFS) which is an experienced FinTech with experience
in the development and deployment of systems used in financial services industry with current
deployments in 10 countries covering banks, stock exchanges and SACCOs. With substantial investment in
technology, infrastructure and expertise, Escrow has a reputation for efficiency, innovation and enterprise.
In addition, Escrow has transformed itself to become a leader in technology rendering business process
outsourcing.

The motive and thinking behind C-PAYSACCO is to fully automate most management, administrative,
share register, credit and loans processes of a SACCO. The system comes complete with a robust and
responsive loans and credit management module that validates credit limits, calculates credit rating and
scoring, collateral security, guarantor information, amortization and interest management. Clients have
various interest manipulation methods at their disposal from upfront deduction, simple interest, reducing
balance and straight-line method.
The system boasts of watertight authorization levels which spans across relevant departments like finance,
credit management and credit committee all the way to the board based on facility thresholds. A fully
integrated SMS function provides automated feeds to SACCO clients on all account activity from account
opening, account updates, payments towards monthly contribution and administration fees, loan
approvals, disbursements and repayments receipts.
C-PAY SACCO comes with an interactive Business Intelligence module that graphically analyses and
presents information for ease of reference and decision making. A fully fledged reporting module completes
the SACCO system with rich accounting reports from arrears analysis, past due, monthly runs, balance
sheets and loan book analysis. The system can alternatively be integrated with any ISO ready accounting
system like Pastel and SAP.