How can we help?

Susu is a mobile app that digitizes rotating savings circles. Groups contribute and take turns receiving the full amount.

Download the app, create an account, and tap “Create Circle.” Set the amount, frequency, and max members, then invite people.

Enter an invite code or click the organizer’s link. Once approved, you can start contributing.

Susu is free to download and create circles. A flat platform fee applies per period (integrated or manual). Processing fees are separate. See Pricing for details.

Bank transfers (ACH, SEPA, Bacs), debit/credit cards, Apple Pay, and Google Pay. Bank transfers have the lowest fees.

Payouts go to your linked bank account via Stripe. You’ll complete KYC and connect a bank account before your first payout.

Usually 2–3 business days. First-time recipients may have a 30-day security hold.

We send reminders. If a payment is missed, the organizer is notified. Auto-pay reduces missed payments.

No. Recipients receive the full payout. Members cover the platform fee and processing fees as part of contributions.

Yes. Share your donation link. Donors can pay by card, Apple Pay, Google Pay, or bank transfer—no app needed.

No Susu platform fee. Stripe processing only: cards 2.9% + $0.30, bank transfers 0.8% capped at $5. No extra recurring fee.

Yes. Payments are processed securely through Stripe. We never have direct access to your money.

KYC confirms your identity before payouts. It’s required by regulation and handled through Stripe.

We use bank-level encryption and never sell your data. See our Privacy Policy for details.

Rotating circles pay members in turns. Target circles save toward a goal. Community Funds are ongoing pools.

You can request to leave. Approval depends on your payment status and circle rules.

Collected contributions are refunded proportionally. The organizer initiates cancellation and refunds are automatic.

Open your Community Fund and tap “Share Donation Link.” Share it anywhere—anyone can donate.

A trusted member who helps manage a Community Fund. They can view/remove members but can’t change settings or allocate funds.

All members can see donations and the fund balance. Transparency is built in.

Share your referral link. When a friend qualifies, you earn $15. Find the link in Profile → Invite Friends.

They must use your link, be new, not refer you back, and reach $100 in payouts within 12 months.

After your friend reaches $100 in total payouts. The bonus is paid to your connected Stripe account.

Go to Profile → Invite Friends. Copy or share the link via text, email, WhatsApp, or social media.

No. Each qualified referral earns $15.

Your friend hasn’t qualified yet. You can track progress in Profile → Invite Friends.

Referral bonuses may be taxable. You may receive a 1099 if you exceed reporting thresholds.

Usually no. These are pooled savings you contributed to. Rules can vary—ask a tax professional.

Often treated as gifts, not income. Rules vary by country.

No. JoinSusu is not a charity, so contributions aren’t tax-deductible.

Possibly, if payouts exceed reporting thresholds. A 1099-K is reporting, not necessarily tax owed.

Report it and note it as a return of savings or gifts received. Consult a tax professional if needed.

Similar principles apply, but gift tax rules vary by country.

Processors report transactions above thresholds. Reporting doesn’t automatically mean taxation.

Yes. ROSCAs are legal and widely practiced. Susu provides a secure, modern platform.