Plans That Grow
With Your Circles
Start free, upgrade when you need more. No hidden fees, cancel anytime.
Free
Perfect for getting started
- 2 active circles
- 8 members per circle
- $50 max contribution
- Basic trust score
- Circle Health dashboard
- 5-star rating system
- Enforceable rules protection
- Standard reminders
- Referral rewards ($5 bonus)
- Community support
Starter
For growing savers
- 5 active circles
- 20 members per circle
- $500 max contribution
- Savings goals tracker
- 0.25% cashback on contributions
- 1 late fee waiver per year
- Emergency fund access
- Smart payment reminders
- Priority email support
Premium
For serious savers & organizers
- 15 active circles
- 50 members per circle
- $2,000 max contribution
- Everything in Starter, plus:
- 0.5% cashback on contributions
- 2 late fee waivers per year
- Multi-currency support
- Advanced analytics dashboard
- Captain transparency reports
- Priority member verification
- Chat support (24hr response)
Business
For organizations & large groups
- Unlimited active circles
- 100 members per circle
- $10,000 max contribution
- Everything in Premium, plus:
- 0.75% cashback on contributions
- 4 late fee waivers per year
- White-label branding & API
- Dedicated account manager
- Phone & video support
Enterprise
For large organizations & resellers
- Unlimited active circles
- 100+ members per circle
- Custom contribution limits
- Everything in Business, plus:
- Custom fee structure
- API access & webhooks
- Multi-admin management
- Custom integrations (Slack, etc.)
- Bulk member import/export
- SSO/SAML authentication
- 24/7 phone support
- 99.9% SLA guarantee
Understanding Our Fees
We charge a small platform fee to cover payment processing, security infrastructure, and customer support. Circle organizers choose how fees are shown:
👁️ Transparent Model Recommended
Fees shown upfront at contribution time.
You see exactly what you're paying and why.
Example (Premium Plan):
$50 contribution + $2.75 fees = You pay $52.75
Recipient gets the full $500 pot
Best for: Trust & full transparency
💳 Simple Model
Fees deducted from payout.
Members pay exactly the contribution amount.
Example (Premium Plan):
You pay exactly $50
$500 pot - fees = Recipient gets ~$475
Best for: Clean UX, familiar experience
📊 Fee Breakdown (Premium Plan)
Platform fee: 2% (varies by subscription tier)
Payment processing: 2.9% + $0.30 per transaction (Stripe)
Total fees are the same regardless of model — it's just about when you see them.
⚡ Instant Transfer Option
Need your money faster? Get your payout within minutes instead of 2-3 business days.
1.5% instant transfer fee (min $0.50, max $15) applied to payout amount.
Available for all tiers. Premium and Business members get additional discounts.
⏰ Late Fee Policy
Payments made after 48-hour grace period incur a 5% late fee (max $25).
60% goes to circle protection, 40% to platform operations.
Paid subscribers get late fee waivers (Starter: 1/yr, Premium: 2/yr, Business: 4/yr).
See Why SusuFlex Wins
Compare getting your money NOW vs. waiting years with a traditional bank.
📊 Your Savings Goal
SusuFlex Circle
- ✅ Get lump sum EARLY
- ✅ Community support & accountability
- ✅ No credit check needed
- ✅ Build your Trust Score
Traditional Bank
- ❌ Must wait until the END
- ❌ Easy to dip into savings
- ❌ Low interest rates (0.5%)
- ❌ No community motivation
📅 Visual Timeline
Common Questions
Can I change plans anytime?
Yes! Upgrade or downgrade at any time. Changes take effect on your next billing cycle.
What happens if I exceed my limits?
You'll be prompted to upgrade. Existing circles continue working, but you can't create new ones until you upgrade or remove circles.
Is there a free trial?
Yes! Starter, Premium, and Business plans come with a 14-day free trial. No credit card required to start.
Do you offer refunds?
We offer a 30-day money-back guarantee on all paid plans. No questions asked.
How do fees compare to interest?
Fees are deducted once when you receive the pot. Bank savings earn small interest over time; ROSCA gives you a lump sum sooner, which is useful for time-sensitive goals.
Does payout order affect value?
Yes. Earlier payouts are more valuable because you get funds sooner. Later payouts benefit slightly from bank interest but come with less time advantage.
Start Saving Together Today
Join 250+ savers who trust SusuFlex. Free to start, no credit card required.
Get Started Free