Frequently Asked Questions
Have questions about payments, security, or how it works? We've got answers.
Grupy is a group payments and savings platform on WhatsApp. It lets you split bills, manage group expenses, and save together with friends and family directly in WhatsApp without downloading any new apps.
No, all personal details and payment authorization are done in a secure in-app web browser.
Yes, Grupy is secure and built with bank-grade security protocols and compliance. All contributions are pooled directly into the selected user's personal accounts and processed securely via licensed third-party payment providers through official Meta-approved payment channels. Every transaction is tracked in real-time with full group transparency.
Yes, all group members need to be onboarded in order to use Grupy.
If you lose access to your WhatsApp, simply log in to our website using your email and password to instantly pause all your contributions. Your group members will be automatically notified that your payments have been halted.
No, Grupy never has access to your banking details. All payouts are securely processed using a licensed third-party payment gateway.
When creating a group, you can choose to split it equally or unevenly. The Grupy Bot automatically sends a WhatsApp payment request to each group member detailing their exact share. Once they accept the request, they are directed to a secure online checkout to make the payment.
PayShap is South Africa's rapid, real-time interbank payment service that enables instant, low-cost bank-to-bank transfers 24/7 using either account details or a ShapID (cellphone number). Grupy leverages PayShap so group members can make instant contributions directly through WhatsApp, pooling funds into the selected user's personal account with zero delays and complete transparency.
All contributions are pooled directly into the selected user's personal account specified by the group creator. Grupy automatically tracks every member's payment in real time until all contributions are settled.
Yes! Grupy supports both short-term expense splits (like dinners or trips) and long-term group savings. You can set up recurring contribution intervals, and the bot will automate reminders and tracking for all members.
If a group goal is not fully funded by the set deadline, the collection is closed. Because funds are pooled directly into the selected user's personal account, any uncompleted collections can be tracked transparently and refunded directly to original contributors without penalty.
Simply initiate a chat with the Meta-verified Grupy Bot on WhatsApp (by clicking "Get Started on WhatsApp" on our home page). Note that our bot is not yet live on WhatsApp.
Creating a group for short-term expenses is completely free. We charge a minimal fee of R10 per person per transaction for long-term savings.