Trust Center
Everything you need to know about how your money moves on SusuSmart, before you commit a single cedi.
How personal savings work
You deposit into your own wallet through Paystack. That money sits in your wallet until you allocate it to a goal. Only you can move money out of your own goals, and a withdrawal fee (shown before you confirm) applies at that point — never on the way in.
How group payouts work
Each member contributes on the group's schedule. One member receives the full pool each cycle. The platform fee — and, if the leader has enabled one, a capped leader fee — is deducted only from the payout, never from your contribution.
Payout order is weighted by trust score, not simply who joined first — members with a longer, reliable track record are generally positioned earlier, including ahead of the group's own leader if the leader is newer or less established. This is a deliberate safeguard: the person least invested in a group shouldn't automatically be first in line for its money.
Someone who receives a payout can't simply walk away with it — leaving before the round finishes requires settling what they still owe, automatically, from their own wallet. If they go quiet instead of leaving properly, it's logged as a default: their trust score drops and they're blocked from receiving a payout in any group on the platform, not just the one they left. Every payout recipient has passed identity verification with a real Ghana Card and address on file, and confirmed fraud can be referred to law enforcement.
Fees, in full
For comparison: a traditional susu collector's cut typically isn't a fixed percentage — it's one member's full contribution amount, taken as a "turn." For a common 5–10 person group, that works out to roughly 10–20% of the pool. SusuSmart's combined fee stays at or below that for most group sizes, while adding identity verification, automatic tracking, and a permanent record of every transaction.
Security practices
Passwords are hashed, never stored in plain text. Deposits are verified directly against Paystack's own confirmation — never trusted from your device alone. Admin accounts require a second authentication factor. Every payout, fee change, and failed login attempt is logged for audit.
Verification levels
Basic: confirmed email and phone number.
Enhanced: government ID review, required before a leader can enable a fee, and sometimes required to join higher-value groups.
Trust scores
A score from 0–100 built from on-time contributions, completed cycles, account age, verification level, and verified referrals. It's visible on every group and leader profile so you can judge reliability before you commit money.
Audit trails
Every deposit, contribution, payout, and fee is recorded as an individual transaction tied to your account, viewable any time from your Wallet page.