We looked at what's already out there before pricing ourselves — here's the honest side-by-side, sourced from public pricing pages.
Against StokFella, one of South Africa's established stokvel apps, and against the WhatsApp-plus-cash-book approach most stokvels still use today.
| Stokvel Chommie | StokFella | WhatsApp + cash book | |
|---|---|---|---|
| Every member sees the same live numbers | ✓ | ✓ | ✗ |
| No password needed for members | ✓ magic link | ✗ app login | — (no login at all) |
| Requires both sides to confirm a payment | ✓ dual confirmation | Not published | ✗ |
| Permanent, visible audit trail | ✓ | Not published | ✗ |
| Handles or holds your group's money | No — record-keeping only | Yes — licensed FSP | No |
| Per-transaction fees | None — nothing to charge on | Yes, see below | None |
| XP, streaks & trust badges | ✓ | Not published | ✗ |
Comparison based on StokFella's publicly listed pricing and FAQ pages as of this writing (see source below) — features change, so worth double-checking directly with them for anything decision-critical.
StokFella's published tiers (per their pricing page) vs ours. Their plans include their own money-handling as a licensed provider, which is also why they carry transaction fees ours don't.
StokFella (and similar apps) charge per-transaction fees because they're a licensed financial services provider actually moving your group's money. Stokvel Chommie deliberately doesn't do that — your money still moves bank-to-bank or in person, exactly how your group does it today. That's a real trade-off, not just a pricing trick: you don't get in-app payment collection, but you also never pay a cut on every contribution.
StokFella pricing sourced from stokfella.com/pricing at time of writing. Prices, tiers and fees are set by StokFella and may have changed — please confirm directly with them before relying on this for a decision.
We don't have verified pricing for these, so we're not comparing numbers — just flagging that they exist, in the interest of you making an informed choice.
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