How Payments Work
You pay each other directly, with apps you already use. SusuFlex keeps everyone on the same page.
Key Point
SusuFlex never holds your money. In each round, every member pays that round's recipient directly with Cash App, Venmo, Zelle or another payment service they choose. SusuFlex isn't a party to those payments and never receives or sends money. We keep the schedule and record who has paid and who has confirmed.
How a Round Works
Add how you get paid
In the app, add your Cash App $Cashtag, Venmo username, or Zelle email or phone number. Members of your circles see these so they can pay you.
Pay the round's recipient
When a round is due, tap Pay and choose Cash App, Venmo or Zelle. SusuFlex opens your payment app with the recipient filled in where the app allows it, and you send the money there.
Tap "I've sent it"
Back in SusuFlex, mark the payment as sent. The recipient sees it straight away.
The recipient confirms
When the money arrives, the recipient taps Received. If it hasn't arrived, they tap Not yet. Once the recipient has confirmed everyone, the next round starts automatically.
We send reminders when your payment is due within two days, and again while it's overdue. Recipients are reminded about payments marked sent that they haven't confirmed yet.
What SusuFlex Does vs. What Your Payment App Does
| Function | SusuFlex | Your payment app (Cash App, Venmo, Zelle) |
|---|---|---|
| Circle setup, schedule and payout order | ||
| Moving the money | ||
| Reminders when a payment is due | ||
| Recording "sent" and "received" | ||
| Identity checks for your payment account | (under that service's rules) | |
| Fees, limits, refunds and disputes for a transfer | (under that service's terms) |
Fees
SusuFlex is free during the public beta and doesn't charge fees for circles. Your payment service may charge its own fees, for example for instant transfers or paying with a credit card. Those are between you and that service.
If Something Goes Wrong
Talk to us before reversing a payment
Circle payments are commitments between members, not purchases from SusuFlex. If there's a problem, talk to the member first, then contact support@susuflex.com. We can see the circle's payment record and help sort it out. Reversing or disputing a legitimate circle payment with your payment service after it was confirmed can lead to suspension under our Terms of Service.
- A payment hasn't arrived: the recipient taps Not yet, and the member who sent it is asked to check. Most problems are a mistyped handle or a transfer that's still pending.
- Only mark a payment as sent after you've sent it, and only confirm a payment as received once the money is in your account. Marking or confirming a payment that didn't happen breaks our Terms.
- A member stops paying: our Risk Disclosure explains this risk, especially after a member has already received their pot. Members you're owed money by remain responsible for paying you.
Coming Later
Planned, not available yet: bank-linked payments that confirm automatically, and bank-to-bank transfers inside SusuFlex. If and when they launch, they'll run through a licensed payment partner, after legal review, and members will verify their identity first.
Frequently Asked Questions
Is SusuFlex a bank?
No. SusuFlex is software that organizes savings circles. We don't hold deposits, make loans, move money or provide FDIC insurance.
Which payment apps can I use?
Cash App, Venmo or Zelle. Your circle can agree to use another service, but the one-tap handoff in the app works with those three.
Is my money insured?
Money in your Cash App, Venmo or bank account is covered by whatever protections that service or bank provides. SusuFlex never holds your money, so there's nothing on the SusuFlex side to insure.
Contact Our Support Team
For questions about payments or compliance:
- Email: compliance@susuflex.com
- Support: support@susuflex.com
Last updated: October 27, 2026. This page is for informational purposes and does not constitute legal or financial advice.