01 Ledger
Every payment has a transaction id
Contributions, penalties and payouts post to the group savings account. A member can see what they paid, what the pool holds, and what already went out.
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One ledger for the whole circle.
PayWallet Rounds runs the contribution, the rotation, the loan and the payout as one system. Members and organisers look at the same record.
02 Rounds
Rules that lock after the first cycle
Start with a classic rotation, a hybrid savings plan, or a custom preset. Once the first cycle begins, the rules stay put so nobody can rewrite the turn order mid-round.
Compare the presets on round types.
03 Loans
Borrow against a live round
On plans that include loans, an eligible member can request an amount backed by the circle. Approval can be an admin decision, a member vote, or automatic when the rules say so. Repayment stays on the same ledger.
04 Payouts
The pool goes to the person whose turn it is
Classic rounds pay one member each cycle. Hybrid rounds accumulate first, then unlock priority payouts and a final share-out. Organisers see who is paid, who is due, and who is late.
Create the circle on the free plan
Invite members when the rules are clear. Upgrade from Billing when you need more groups, loans or reports.