Pricing
Priced on the accounts you manage, not the money you collect.
Zetu for Communities
For some organizations, the platform price is $0.
Student associations, family welfare groups, alumni associations, community welfare organizations, small charities and foundations, and faith organizations can qualify for Zetu with no platform subscription.
Six kinds of organization qualify
For everyone else, Zetu is priced on the active financial accounts you manage — not the money you collect.
Plans and prices
Annual is 2 months free — 10 months' money for a year of service.
Starter
A single book of accounts, one team, one set of rails.
$29per month
Or $290 a year, billed annually.
500 active financial accounts included, then $0.10 each.
Growth takes over at 1,200 accounts, automatically.
For organizations moving off a spreadsheet: one association, one school, one estate, one service business. Billing, payments, reconciliation and collections on a single book — not a trial of them.
- Obligations, billing and invoicing
- Payment capture across your connected rails
- Automated matching with an exception queue
- Suspense and unallocated-money reporting
- Aging, worklists and promises to pay
- Standing with a configurable policy
- Statements, receipts and reminders
- Core reporting and exports
- Unlimited internal users
Growth
Most organizationsSeveral business units, more rails, a collections function with people in it.
$99per month
Or $990 a year, billed annually.
5,000 active financial accounts included, then $0.03 each.
Scale takes over at 10,000 accounts, automatically.
For organizations running more than one book — chapters, branches, sites, territories — where reconciliation is somebody's job and policy needs to differ between units.
- Everything in Starter
- Multiple business units with their own policies
- Per-unit standing and entitlement rules
- Collection cases, assignment and escalation paths
- Payment arrangements and dispute handling
- Entitlements resolved from standing
- Bank statement comparison and mismatch findings
- Scheduled reporting to named recipients
- API access and webhooks
Scale
Large books, complex payer structures, integration into an existing finance stack.
$249per month
Or $2,490 a year, billed annually.
20,000 active financial accounts included, then $0.015 each.
Above 50,000 active accounts we quote instead of listing.
For organizations where receivables is a function rather than a task: large account volumes, corporate payers with many beneficiaries, and a ledger that Zetu needs to post into.
- Everything in Growth
- Corporate payers with named beneficiaries at scale
- Accounting posting and reconciliation back to the ledger
- Advanced matching rules and confidence thresholds
- Role-based access across large teams
- Extended audit and change history retention
- Implementation and data migration support
- A named point of contact
Listed in US dollars because the reader could be anywhere. Zetu bills, reconciles and reports in your own currency — the list price is the only figure in dollars. Kenyan organizations have their own list, in shillings.
Enterprise
Quoted on complexity, not on account count.
Beyond a certain shape, the account count stops predicting the work. What predicts it is how many entities, banks, rails and existing systems Zetu has to be correct across — so enterprise is scoped and quoted rather than listed.
Talk to salesWhat actually makes an engagement enterprise
- Several legal entities consolidating into one view
- Multiple paybills, tills, merchant codes or collection accounts
- Bespoke bank connectivity, including host-to-host
- ERP and accounting integration into an existing finance stack
- SSO, custom roles and delegated administration
- Data residency, a dedicated environment or on-premise deployment
- Migration of a long, messy history — arrears, arrangements, disputes
- A service level, a named team and an implementation plan
An organization with three thousand accounts across four entities and two banks is more work to run correctly than a single association with thirty thousand members. Pricing enterprise on account count would get that exactly backwards, so we do not.
No tier cliff
Account 501 costs cents, not a plan upgrade.
1,800
$99per month
Inside Growth's allowance of 5,000 accounts, so the bill is the list price — $99 — and nothing else.
That is $0.055 per active account per month — and nothing at all for the money that moves through them.
The traditional membership-software model puts 500 members on one price and 501 on the next one up. It is punitive, it is arbitrary, and it teaches organizations to under-report their own members — which is a strange thing for a system of record to encourage.
So the allowance is a floor, not a ceiling. Past 500 accounts Starter adds $0.10 each until, at 1,200, Growth is simply cheaper and you are moved onto it. Past 5,000 the same thing happens again at $0.03 each, handing over to Scale at 10,000.
Above 50,000 active accounts the shape of the organization matters more than the count, and we quote rather than list.
Four commitments
What Zetu will not charge you for.
No percentage of your revenue
Zetu will not take a cut of the money it reconciles. A receivables system whose fee grows with your collections has an incentive problem, and it makes the cost of doing well arbitrarily large. You pay for the accounts under management, not for the money that passes through.
Inactive accounts are free
A former member, a closed lease, a graduated student. Their history stays — it is frequently the most valuable thing in the system — and you are not billed for holding it. Only accounts with financial activity in a period count toward that period.
Every seat is included
Finance, operations, collections, management and audit belong in the same system looking at the same numbers. Charging per user would put a price on that, and the predictable result is shared logins and a broken audit trail. Invite everyone.
Bring your own rails
Zetu does not move money and takes no transaction margin. Keep the paybill, the bank account and the gateway you already have; your provider's fees are between you and them, and switching provider does not change what you pay us.
Outside the subscription
Four things the plan price does not cover.
Payment provider fees
What your bank, mobile money provider or gateway charges to collect the money. Zetu adds nothing to it and never sees it — the relationship stays yours.
SMS and WhatsApp
Passed through at your provider's rate and itemized. Email is included at volumes no receivables operation realistically exceeds.
Bespoke integrations
A custom bank connection or a legacy accounting system is a build. It is quoted as a one-off with a connector fee, rather than spread across everyone else's subscription.
Implementation and migration
Scoped after we have seen the data. A clean list of current balances and three years of contested arrears are not the same exercise, and quoting them the same way would be dishonest to one of them.
A vendor that takes a percentage of your collections profits most when your receivables are largest.
The purpose of this product is to reduce the amount of money sitting unreconciled and outstanding. Pricing it on the volume that flows through would put a small but real interest on the other side of that. Pricing on accounts under management does not — the number goes up when you grow, and not when you are struggling to collect.
It also makes the bill predictable in the one direction that matters. An organization carrying 5,000 accounts pays $99 a month whether those accounts owe a little or a lot, and whether this was a good year for collections or the worst one in a decade. A percentage of billed volume would charge that organization more for growing its dues, and a percentage of collections would charge it most in the month it finally caught up on arrears.
What moves the price
Five things, and none of them is your revenue.
Active financial accounts
The primary metric. An account is active in a period if it carries an obligation, an invoice, a payment or a non-zero balance in that period. It is the only figure that tracks the work Zetu is doing for you.
Business units
Branches, chapters, sites, territories or schools operating under one organization with their own policies and their own books. One book is Starter; several is Growth.
Rails and integrations
Bank connectivity, accounting posting and messaging providers vary in effort by institution and market. Most are configuration and included; a bespoke connection is quoted as work, because it is work.
Implementation
Migrating an existing book — historical obligations, balances, arrangements and arrears — is a one-off cost that depends entirely on the state of what you are migrating.
Messaging volume
SMS and WhatsApp have a real per-message cost that somebody pays. It is passed through at the provider's rate rather than buried in the subscription, so a quiet month costs less than a noisy one.
Questions
About pricing
Is Zetu really free for eligible community organizations?
Yes — the platform subscription is nothing, not a discount off this list. Student associations, family welfare groups, alumni associations, community welfare and benevolent societies, small charities and foundations, and faith organizations can qualify. It is a program with an eligibility test rather than a cheaper plan, which is why it is not a fourth card above. Who qualifies, and what is still chargeable, is set out on Zetu for Communities.
Does free mean a limited version of Zetu?
No. There is no community edition, no feature gate and no member ceiling published here, because none exists. Eligible organizations run the platform this site describes. What is settled in conversation is the shape of the deployment — how many books, which rails, what has to be migrated — and that is the same conversation a paying organization has.
If we qualify, what might we still pay for?
The same four things nobody's subscription covers, plus one. Your payment provider's fees, which stay between you and them. SMS and WhatsApp, passed through at your provider's rate. A bespoke bank or accounting integration, which is a build. Implementation, if there is a messy history to migrate. And software written specifically for one organization, which is a commission rather than a subscription.
Do you take a percentage of our dues, donations or contributions?
No — on any plan, and on the free program. Zetu does not move your money and takes no transaction margin, so what your members pay stays between you and your own bank or payment provider. Charging a share of collections would mean earning most from the organizations struggling hardest to collect.
What counts as an active financial account?
A party with at least one obligation, invoice, payment or non-zero balance in the period. A member who paid their dues counts. A member who owes and has not paid counts. A former member with a closed account and no activity does not, and neither does a record you are keeping purely for history.
What happens when we go past the included accounts?
You pay the per-account rate for the ones above the allowance — $0.10 on Starter, $0.03 on Growth — and nothing else changes. There is no step, because every plan's calculation is run and you are charged the lowest of them. That means the next plan takes over by itself at the point it becomes cheaper: 1,200 accounts for Growth, 10,000 for Scale. Crossing an allowance by one account costs a fraction of a dollar, not the difference between two plans.
Will you charge a percentage of what we collect?
No. That model gives your software vendor an incentive that is not aligned with yours, and it makes the cost of collecting well unpredictable — the same book of members costs twice as much because their dues went up. You pay for accounts under management, and Zetu takes no margin on money that moves.
Do you charge per user?
No. Every internal user is included on every plan. Finance, operations, collections, management and audit should be looking at the same numbers in the same system, and a per-seat price is a direct financial incentive to share a login — which destroys the audit trail that is half the reason to buy this.
Which currency do we pay in, and does the price move with the exchange rate?
The prices on this page are the international list, quoted in US dollars because the reader could be anywhere. Kenya has its own list in shillings, priced for that market rather than converted, so it does not move when the shilling does. Whatever the list you buy from, the product itself works entirely in your own currency: obligations, payments, statements and reports are held and reported in it, with nothing converted in the middle.
What is not in the subscription?
Four things, all of them stated rather than discovered on an invoice. Your payment provider's fees, which stay between you and them and which Zetu adds nothing to. SMS and WhatsApp, passed through at your provider's rate because they have a real per-message cost. A bespoke bank or accounting integration, which is a build and is quoted as one. And implementation, if you are migrating an existing book.
What does implementation cost?
It depends almost entirely on the state of what you are migrating. Moving a clean spreadsheet of current balances is a different exercise from reconstructing three years of arrears, arrangements and disputes across two former systems. We would rather scope it after seeing the data than quote a number that changes.
Are these prices final?
An organization already on Zetu keeps the price it signed at, for the term it signed for — that is the part that affects you. The metric behind the list, the active financial account, is settled, and so are the four commitments on this page. The figures on top of it are an opening list, and if they change we will change them here rather than quietly.
Is there a minimum commitment?
Monthly is genuinely monthly. Annual is a year, at ten months' money. Beyond that we are not interested in a contract whose main feature is that it is difficult to leave — obligations, settlements and balances are exportable, deliberately.
Keep reading
- Book a demoThe fastest route to a real number for your book.
- Zetu for CommunitiesFree financial software for community organizations.
- Product overviewWhat is included in each shape.
- Why ZetuWhether this is the right category for you.
- Zetu in KenyaThe same plans, priced in shillings.
- SecurityHow your financial data is handled.
- ContactAsk before committing to a call.
Bring us one month of your book.
Tell us roughly how many accounts you carry and how people pay you, and we will tell you which plan you land on and what it costs — usually $99 a month, occasionally $249, and sometimes $29.