Introducing the Co-op Pay Credit Card: Empowering Cooperators with Credit and Investment in One

In a bold step toward deepening financial inclusion and cooperative empowerment, the Co-op Pay Credit Card has been launched to give members of the cooperative movement a powerful tool for both spending and investing. Designed exclusively for individuals who hold the Cooperator Card and contribute monthly to their cooperative account, this innovative card offers more than just access to credit—it builds personal capital while supporting the wider cooperative economy.

The Co-op Pay Credit Card is available to registered members of cooperatives on the coops.africa platform. To qualify, a member must first order the Cooperator Card and commit to a monthly contribution. These monthly contributions, starting at US$50, are pooled into the Cooperative Debentures Exchange (CDE), where they are invested in income-generating cooperative ventures across Africa. This means every dollar contributed not only builds the member’s credit profile but also supports fellow cooperators through productive financing—creating a win-win model of solidarity and sustainability.

The unique structure of the Co-op Pay Credit Card allows members to use their contributions as security for credit on approved purchases, particularly from cooperative businesses listed on coops.africa. This encourages the circulation of capital within the cooperative ecosystem, strengthening co-op businesses while giving members access to trusted goods and services. The card can also be used for in-store and online purchases where accepted, with credit limits tied directly to the member’s contribution and investment performance.

Managed by the Zimbabwe Women’s Microfinance Bank (ZWMB) on behalf of Co-op Pay SACCO, the card is part of a broader vision to transform cooperators from mere consumers into active participants in cooperative financing and investment. ZWMB ensures that all member contributions are professionally managed and securely invested, with credit issuance handled transparently and responsibly to avoid over-indebtedness.

With the Co-op Pay Credit Card, every cooperator gains access to a practical financial tool that combines spending power with wealth-building. It reflects the spirit of cooperative economics—where individual growth fuels collective advancement. Cooperators are encouraged to sign up, contribute, and take part in a future where their money works not only for them but for their communities too.

Join Co-op Pay SACCO today and take control of your financial future! As the official SACCO partner on coops.africa and the exclusive SACCO for investing in the Cooperative Debentures Exchange (CDE), we offer you a trusted platform to save, access affordable credit, and invest in high-impact cooperative ventures. Enjoy member benefits like Buy Now Pay Later options with our SACCO Credit Card, dividends, and training — all within a supportive, people-owned system. Save together. Invest together. Prosper together.

Support Africa’s cooperative economy and grow your wealth by purchasing co-op debentures on coops.africa.

Your investment helps cooperatives expand production, create jobs, and trade more effectively — while you earn solid returns backed by real commodities and thriving businesses.

Join the movement to build a stronger, people-owned economy across the continent.

Co-ops Africa is your gateway to a thriving network of cooperative enterprises that are transforming communities across the continent. Whether you're looking for meaningful work, ways to grow your income, or a trusted business network, Co-ops Africa connects you to cooperatives that share your goals and values.

By joining a co-op listed on Co-ops Africa, you become part of a collective that creates real opportunities—growing sales, building wealth, and empowering members to take control of their economic future. Cooperatives offer access to markets, shared resources, and business support that help members succeed together.

Don’t wait to build a better future. Register now at coops.africa, browse co-ops in your area or industry, and find the right one to join. Whether you're a farmer, artisan, service provider, or entrepreneur, there's a co-op waiting for you.