CycleSave – ROSCA Engine for WordPress

By Ibrahim Nasir

Description

CycleSave enables community savings groups (ROSCAs) on WordPress. Members pool fixed contributions on a regular schedule, and each round one member receives the full pot, rotating until everyone has collected once and the group is reset for a new cycle.

Core Features (Free)

Full ROSCA engine: groups, rounds, payout rotation, cycle restart
Stripe payment integration for member contributions
Admin-initiated payout logging with disbursement records
Drag-and-drop payout order assignment (admin panel)
Full payout schedule visible to all members (transparency)
Immutable audit trail for payout order changes
WP-Cron automation: reminders, deadline enforcement, cycle progression
5 frontend shortcodes: dashboard, group list, join form, payout schedule, group ledger
Email notifications for all key events

Shortcodes

[cyclesave_dashboard] — Member personal dashboard
[cyclesave_group_list] — List of open groups
[cyclesave_join_group id="5"] — Join form for a specific group
[cyclesave_payout_schedule id="5"] — Payout rotation schedule
[cyclesave_group_ledger id="5"] — Contribution and payout history with audit log

Screenshots

Installation

Upload the cyclesave folder to /wp-content/plugins/
Activate the plugin through the Plugins menu in WordPress
Navigate to CycleSave > Settings and add your Stripe API keys
Create a savings group under CycleSave > All Groups
Add [cyclesave_dashboard] to a page for members to manage their contributions

FAQ

What is a ROSCA?: A Rotating Savings and Credit Association is an informal financial tool where a group of people contribute fixed amounts regularly, and each round one member receives the entire pool. It continues until everyone has received the pot once.
What payment gateways are supported?: Stripe is supported in the free version. PayPal and Mollie will be available in CycleSave Pro.
Is card data stored?: No. All card processing is handled by Stripe (or Pro gateways) directly. The plugin never stores raw card data.
How are payouts made?: The admin initiates the bank transfer manually (via their Stripe dashboard or banking app) and records the transaction reference in the plugin. The pot collector is notified by email.