Con3bute replaces the WhatsApp + GTBank + Excel chaos with a link-based collection system — zero custody, instant confirmation, automatic receipts.
Verified by Amaka Okafor
Every manual collection — Aso Ebi, alumni dues, office birthdays — hides an enormous hidden tax paid in time, relationships, and stress.
| The Hidden Tax | Time cost | Emotional cost | With Con3bute |
|---|---|---|---|
| Broadcasting account details | 15 min | Low | Campaign link replaces raw account number |
| Chasing non-payers (3–5 rounds) | 4–8 hrs | Very High | Live Ledger automates social pressure |
| Verifying 50 bank alerts manually | 2–3 hrs | High | Webhook-confirmed. Every entry verified server-side |
| Building & maintaining Excel | 1–2 hrs | Medium | Live Ledger + CSV/XLSX export |
| Sending individual receipt confirmations | 1 hr | Medium | PDF receipt issued automatically per contributor |
| Dispute resolution | 1–3 hrs | Very High — relationship damage | Immutable Webhook record. No disputes. |
| Total hidden cost per campaign | 9–17 hrs | ~20 minutes of setup |
"She sent ₦5,000. The alert said ₦4,950. Now she's saying I'm calling her a liar. It's been three weeks. We're not talking anymore. The collection was for her sister's wedding."— The manual collection experience, as reported by real Nigerian admins
No app to install. No bank details to expose. Just a link your contributors click and pay.
Enter your bank account — we validate your name via API instantly. Add a title, description, and optional target. Your campaign is live.
Copy one link and drop it in your WhatsApp group. Contributors pay with Card, Bank Transfer, or USSD — no account needed. No download. No friction.
Every payment triggers a server-side Webhook. 95% hits your account instantly. The Live Ledger updates in real time. PDF receipts issue automatically.
Free to start. Free to run. Contributors pay a small convenience fee.
A real-time table of every contribution — Name, Amount, Time, Message. No spreadsheet. No manual entry. Every row is Webhook-confirmed.
The last 20 contributors are displayed publicly in real time. FOMO is the best follow-up message you never have to send.
Contributors can give anonymously — "Anonymous" on the public list, real name in your backend. Removes the financial embarrassment barrier entirely.
Every contributor receives a downloadable PDF receipt the moment their payment is confirmed. No screenshot required. No "did you receive it?" message.
Contributors pay via Card, Bank Transfer, or USSD — even without internet. USSD means everyone in a 50-person group can pay, not just those with data.
Download the full contributor list as a spreadsheet at any time. Audit-ready. Timestamped. Webhook-confirmed. Your accountant will thank you.
Set a target and watch the bar fill. Or leave it blank for open-ended collections — perfect for Aso Ebi where everyone pays the same fixed amount.
95% of every contribution goes directly to your subaccount — instantly. Con3bute never holds, pools, or touches your money.
Every architecture decision is a trust mechanism. We're not building features — we're eliminating the specific failures of the manual system.
Account name is resolved instantly during setup. Contributors see a real verified name, not a raw account number.
"You know exactly who you're paying."Phone-number-based authentication locks each campaign to its organiser. Impersonation is structurally prevented.
"Your campaign is locked to you."The database only updates on a confirmed server callback from the payment provider. Client-side calls are for UI only — never for records.
"Every ₦ confirmed before it appears on the ledger."All forms are protected against cross-site request forgery. Your campaign data and contributor details are secured at every entry point.
"Bank-grade security on every transaction."Admins never pay. Contributors pay a small, transparent convenience fee — shown before they confirm.
Con3bute saves you ₦60,000 per 50-person collection.
Fixed per-person amount, 50 contributors. No progress bar needed — just a clean Live Ledger to see who's paid.
Variable contributions with a goal bar. Real-time progress creates urgency. Webhook-confirmed receipts for every donor.
Open-ended collections, privacy toggle for members who prefer to give anonymously. Audit-ready CSV export for trustees.
Quick campaign, colleagues pay via USSD or card. No bank details shared, no WhatsApp follow-ups. Done in minutes.
Monthly levy from 100+ residents. Volume discounts auto-apply. Export to accounting tools directly.
SCUML-compliant audit trail. Timestamped, Webhook-confirmed, exportable. Your compliance officer gets a report, not a gallery.
Set up in 2 minutes. Share one link. Watch 30 people pay without a single follow-up message.
No app. No subscription. No bank details to share.