In short
Widely used Sacco management systems in Kenya in 2026 include SaccoWorks, CoopMIS by Coretec, Fibo360, SaccoTek by Kangai Technologies, WebSacco and Sacco ERP by SunAfric. All cover members, savings, loans and accounting. They differ most in M-Pesa depth, SASRA reporting, member channels such as portals and USSD, deployment, and how openly they publish pricing.
How we compared the systems
We are the team behind SaccoWorks, so we have tried to keep this comparison fair. The information about other systems comes from each vendor's own website as of October 2026. Features and prices change, so confirm the details with each vendor before you decide.
We looked at the areas that matter most to Kenyan Saccos: member and loan management, M-Pesa integration, SASRA reporting, member self-service channels, deployment, and pricing.
SaccoWorks (eLivecode Solutions)
SaccoWorks is a cloud Sacco management system built for Kenyan Saccos, including transport and matatu Saccos. It covers membership and KYC, savings and shares, loans with guarantors and CRB checks, accounting and the general ledger, check-off, and SASRA reports.
M-Pesa C2B (Paybill and Till), STK Push and B2C are supported, with automatic real-time reconciliation. Members get a self-service portal on the Professional and Enterprise plans. Pricing is published: from KES 15,000 per month for up to 500 members, with a free 30-day trial including setup and data migration.
- Best for: small and mid-sized Saccos that want a cloud system with M-Pesa and SASRA reporting, transparent monthly pricing and quick onboarding (typically 2 to 4 weeks).
CoopMIS (Coretec Solutions Africa)
CoopMIS is Coretec's Sacco core banking system. Coretec lists modules for core banking, financial management, credit management, HR and payroll, and document management, with CRB integration for credit scoring, automated SASRA reports, automated dividend calculation and bank reconciliation. A cloud version is available, and Coretec also implements Microsoft Dynamics 365 Business Central for Saccos.
- Best for: larger Saccos that want a broad ERP including HR, payroll and document management. Pricing is by quotation.
Fibo360
Fibo360 is a browser-based system for Saccos, microfinance institutions and chamas. Its website lists M-Pesa C2B and B2C, SASRA reports, a member self-service portal, bulk SMS and email, multi-branch support, and loan management through to rescheduling and write-offs.
Fibo360 publishes annual pricing on its website, with Sacco plans based on the number of members.
- Best for: smaller Saccos and groups looking for a low annual price with published plans.
SaccoTek (Kangai Technologies)
SaccoTek is a cloud Sacco system from Kangai Technologies. Kangai lists member accounts with KYC, loan management from application to amortization, M-Pesa and bank integration with automatic posting, instant mobile loans through M-Pesa B2C, SASRA-compliant reporting, a mobile-friendly member portal, bulk SMS and USSD for feature phones.
Pricing is by quotation, with one-off or subscription payment options, and Kangai includes 12 months of support after purchase.
- Best for: Saccos that want USSD access for members and prefer a one-off purchase option.
WebSacco
WebSacco is a digital Sacco management system for Saccos and microfinance institutions in Kenya, covering member administration, loans, savings, accounting and reporting. It highlights an omnichannel toolset with USSD and an Android app, and offers both cloud and on-premise installation. Pricing is not published.
- Best for: Saccos that need an on-premise option or a member mobile app.
Sacco ERP (SunAfric Software Group)
Sacco ERP is a Sacco core banking system from SunAfric Software Group. It covers member registration, loans with amortization schedules, shares and dividends, savings and deposits, FOSA, bulk SMS and email, HR and payroll, and financial management with graphical reports. It is cloud-hosted. Pricing is not published.
- Best for: Saccos that want HR and payroll in the same system as their core operations.
Quick comparison
- Published pricing: SaccoWorks (monthly) and Fibo360 (annual). CoopMIS, SaccoTek, WebSacco and Sacco ERP quote on request.
- M-Pesa listed on the vendor website: SaccoWorks, Fibo360 and SaccoTek. Ask the other vendors to demonstrate it.
- SASRA reports listed on the vendor website: SaccoWorks, CoopMIS, Fibo360 and SaccoTek.
- USSD listed on the vendor website: SaccoTek and WebSacco.
- On-premise option listed: WebSacco. The others are presented mainly as cloud systems.
- HR and payroll included: CoopMIS and Sacco ERP.
How to choose between them
Start with your own priorities. If M-Pesa reconciliation is your biggest pain, ask each shortlisted vendor to show a Paybill payment posting to a member account live. If you are regulated by SASRA, ask them to generate your returns from demo data. If many members use feature phones, check USSD support.
Then compare the total cost over three years, including setup, migration, training, SMS and support, and speak to at least one Sacco of your size that uses each system. Our buying guide lists the questions to ask every vendor.
Frequently asked questions
What is the best Sacco system in Kenya?
It depends on your Sacco's size and priorities. Widely used options include SaccoWorks, CoopMIS, Fibo360, SaccoTek, WebSacco and Sacco ERP. Compare M-Pesa integration, SASRA reporting, member channels, deployment and total cost, and ask each vendor for a demo with your own processes.
Which Sacco systems in Kenya publish their prices?
As of October 2026, SaccoWorks publishes monthly plans starting at KES 15,000 for up to 500 members, and Fibo360 publishes annual plans. CoopMIS, SaccoTek, WebSacco and Sacco ERP provide prices on request.
Which Sacco systems support M-Pesa?
SaccoWorks, Fibo360 and SaccoTek list M-Pesa integration on their websites. SaccoWorks supports C2B (Paybill and Till), STK Push and B2C with automatic reconciliation.