What Jumuisha does

Jumuisha is a Kenyan fintech startup, incorporated as Jumuisha Limited and headquartered in Nairobi, that has built a domain-specialised SaaS and payments platform for churches, religious institutions, and NGOs. Founded in 2020 with seed funding from SprintX Venture Studio in July 2021, the company serves 300+ churches and 67,000+ active end users across denominations including ACK, CITAM, PCEA, and KAG, processing Ksh 30,000,000+ in monthly donations and 100,000+ weekly transactions.

The platform comprises seven registered-trademark products bundled into one ecosystem: Jumuisha Church Management (tithe, pledge, member, and sermon administration), Jumuisha Pay (a digital collection wallet integrated with Safaricom's M-Pesa offering free inbound transactions and access to microloans up to Ksh 500,000), Jumuisha Messaging (bulk SMS, email, in-app, and WhatsApp API), Jumuisha Finance (embedded savings, insurance, and financial planning), Jumuisha ReconPro (automated M-Pesa reconciliation), Jumuisha Utilities (airtime purchases), and Jumuisha Shopping (gift-voucher marketplace for household essentials). It is built on Microsoft Azure and Google Cloud Platform and distributed across four access rails — native Android/iOS apps, a web application, a self-serve admin portal, and a USSD code (*483*023#) for feature-phone users — with copyright held through partner Usalama Technology Limited.

Jumuisha monetises primarily through tiered subscriptions (KSH 1,999/month for up to 100 members to KSH 13,999/month for 1,000+ members, with 10-30% discounts for longer billing) complemented by usage-based SMS and WhatsApp fees, airtime commissions, and marketplace take-rates. Distribution is hybrid: product-led self-serve sign-up via the website with a 7-day free trial, supplemented by Field Sales Agents prospecting Nairobi territories and anchored by referral networks within the major church denominations it serves.

Name

Jumuisha

Legal name

Jumuisha Limited

Website

https://jumuisha.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Jumuisha is a Kenyan fintech that builds a SaaS and payments platform enabling churches and NGOs to accept M-Pesa donations, manage members, and access embedded financial services across 300+ Kenyan churches.

Ownership category

akta.pro rank

Product category

Religious Institution Fintech Software

NAICS

Religious, Grantmaking, Civic, Professional, and Similar Organizations (813)

SIC

Services-Social Services (8300)

akta.pro primary industry

Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI)

Keywords

• Church donation software
• Religious giving platform
• Faith-based fintech
• Mobile money donations
• Church management system

Headquarters

HQ city

Nairobi

HQ country

Kenya

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Subscription Revenue: Monthly, quarterly, bi-annual, or annual subscription fees based on church size tiers (Starter, Advanced, Ultimate, Dedicated). Pricing ranges from KSH 1,999/month for up to 100 members to KSH 13,999/month for 1,000+ members. Discounts of 10-30% for longer billing periods.
2. Payment Processing: Transaction fees on digital collections processed through the Jumuisha Pay wallet. The platform charges zero inbound transaction costs for M-PESA collections (unlike traditional paybill systems), generating revenue through transaction volume.
3. SMS and Messaging Services: Tiered bulk SMS pricing based on purchase volume: KSH 0.75/SMS for <KSH 20,000, KSH 0.55/SMS for KSH 20,000-99,999, KSH 0.35/SMS for KSH 100,000-500,000, and KSH 0.25/SMS for >KSH 500,000. WhatsApp messaging at KSH 4.0-5.0 per conversation.
4. Airtime Commission: Revenue share from airtime purchases made through Jumuisha Utilities platform. Churches earn commission on each airtime transaction, providing ongoing revenue stream.
5. E-commerce/Gift Vouchers: Revenue from Jumuisha Shopping platform offering household essentials via gift vouchers, with focus on affordability for church community members.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

Jumuisha provides a cloud-based fintech platform that enables churches, religious institutions, and NGOs to accept digital donations via M-Pesa and bank transfers, manage church operations (members, pledges, sermons, staff), communicate with congregants through SMS/email/WhatsApp, and access embedded financial services including microloans up to Ksh 500,000. The platform is accessible via mobile apps, web, and USSD, and processes over Ksh 30 million in monthly donations across 300+ churches in Kenya.

Differentiator

Problem solved

Functional benefit

Brands

• Jumuisha Church Management®: Best-in-class church management software for tithe and offering reporting, pledge management, members and group management, staff and role management, sermon management, and announcements.
• Jumuisha Pay®
• Jumuisha Messaging®
• Jumuisha Utilities®
• Jumuisha Shopping®
• Jumuisha ReconPro®

Products and services

• Jumuisha Church Management® Comprehensive church management software providing tithe and offering reporting, pledge management, members and group management, staff and role management, event and space management, sermon management, and announcements for church digitization.
• Jumuisha Pay® Digital collection wallet adapted for churches enabling tithes, offerings, and custom contributions via M-Pesa and bank transfers, with free inbound transactions, access to loans up to Ksh 500,000, and automated statements.
• Jumuisha Messaging® Multi-channel church engagement platform offering bulk SMS, email, group targeted messaging, in-app push notifications, and WhatsApp API for two-way communication with congregation members.
• Jumuisha Finance® Embedded financial services including microloans, savings, insurance, and financial planning tools accessible through the church partner network for congregants.
• Jumuisha ReconPro® M-Pesa reconciliation tool that automatically matches paybill payments to church members by uploading M-Pesa paybill statements and member lists, generating detailed reconciliation reports in seconds.
• Jumuisha Shopping® Digital marketplace for household essentials using gift vouchers, offering affordable prices on items such as sugar, rice, and edible oils to support community welfare within the church network.
• Jumuisha Utilities® Airtime purchase platform enabling church members to top up mobile phones across Safaricom, Airtel, and Telkom networks, generating revenue commission for churches from each transaction.

Quantifiable outcome

• Churches experience 3x increase in contributions after adopting Jumuisha Pay
• +3 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature8 records

Partnerships

Three partnerships are on record, tiered core.

• Microsoft AzurecoreTechnology or IntegrationCloud computing infrastructure provider used for hosting Jumuisha's platform services. Part of the core technology stack.
• Google Cloud PlatformcoreTechnology or IntegrationCloud computing services used alongside Microsoft Azure for platform infrastructure, data backup (Google Drive), and analytics (Google Analytics).
• SafaricomcoreTechnology or IntegrationKenyan telecom operator providing M-Pesa mobile money integration for payment processing. Safaricom's M-Pesa is the primary payment channel for church donations. Safaricom also handles payment data storage. Critical infrastructure partner for the fintech platform.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Tithe.ly: Tithe.ly is a global church giving and engagement platform offering digital tithes, offerings, and donor management. Direct competitor to Jumuisha in the same niche of religious-financial technology, with a similar mobile-first, multi-channel giving experience.
• Givelify: Givelify is a mobile giving app optimized for churches, faith-based organizations, and nonprofits. Direct competitor offering donation processing, recurring gifts, and church management features targeting the same customer segment as Jumuisha.
• Subsplash: Subsplash is a church engagement platform encompassing giving, messaging, media, and mobile apps. Overlaps significantly with Jumuisha's bundled product suite (Messaging, Pay, Finance) for faith-based organizations.
• Pushpay: Pushpay is a leading church engagement platform providing mobile giving, donor management, and church management software. Direct competitor operating at much larger scale globally but serving the same church/mosque/religious organization buyer as Jumuisha.

Regional players

• Cellulant: Cellulant is a Pan-African digital payments platform providing payment collection and disbursement solutions across multiple African countries. Comparable to Jumuisha's payment-processing and M-Pesa-style integrations but serving a broader commerce market rather than faith niche.
• Pesapal: Pesapal is a Kenyan payment service provider offering payment gateway solutions for businesses including M-Pesa, card, and bank integrations. Comparable payment-infrastructure layer to Jumuisha's M-Pesa integration, though serving SMB e-commerce rather than faith-based organizations.

Broad incumbents

• Interswitch: Interswitch is one of Africa's largest digital payments and commerce companies, offering payment processing, card issuance, and merchant services. A broad incumbent whose payment rails overlap with Jumuisha's transaction-processing activity.
• Flutterwave: Flutterwave is a leading African fintech providing payment infrastructure for businesses across the continent. A broad incumbent that could easily enter the religious-giving vertical and compete with Jumuisha on payment processing economics.

Emerging players

• Kindrid: Kindrid provides text-to-give and mobile giving tools specifically for churches and nonprofits. Smaller-scoped competitor focusing on the giving piece rather than full church management, similar to Jumuisha Pay's core use case.
• Daraja (faith-based fintech): Daraja is a Kenyan fintech specializing in giving and lending for churches and faith-based organizations. Direct East African overlap with Jumuisha's core market, offering church-to-church and SACCO-style financial services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/jumuisha_tech
• YouTubeyoutube.com/@jumuisha1093
• Facebookfacebook.com/profile.php?id=100070810845450
• LinkedInlinkedin.com/company/jumuisha
• Instagraminstagram.com/jumuisha_technology

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Jumuisha