For Nigerian compounds and mini-estates

Split shared compound bills fairly and keep payment follow-up clear.

BillCircle helps compounds and mini-estates divide electricity, water, security and other shared costs. Each resident receives their property's amount privately on WhatsApp, pays the community directly, and reports the transfer for the administrator to check. BillCircle never holds the contribution money.

Create account See how it works
14-day trial · no card required · ₦5,000/month after trial
Fair property sharesShare equally, by property weight, with exact amounts or exclude a property
Private WhatsAppEach resident sees only their own breakdown
Community keeps the moneyResidents pay the community payment account directly
A 34-second product tour

See one shared bill become a clear payment record.

Watch the administrator create a bill, choose each property's share, send private amounts and confirm only what reached the community account.

BillCircle product tour

See how a shared bill stays clear.

See the bill setup, each property's private amount and the administrator's payment check.

Why I built BillCircle

I have seen shared bills become arguments, and I have seen good administrators repeat the same monthly follow-up.

The problem is not always the bill. Sometimes, it is the process.

Those two experiences led me to build a clearer way for Nigerian compounds and small residential communities to manage shared expenses and keep payment follow-up organised.

Read Kayode's story
How BillCircle works

One clear path from shared costs to clear payment records.

1

Create the bill

Add the month's shared expenses or copy the last bill and change the amounts.

2

Check every share

Use the right sharing method for each expense before anything is sent.

3

Send privately

Each resident gets their own amount and explanation on WhatsApp.

4

Check payment reports

Residents report transfers. You confirm only what reached the community account.

5

Keep spending records

Add a clear note, receipt reference or link for what community money paid for.

One bill, three clear views

From calculation to private delivery to payment review.

  1. Bill preview
    August 2026 · Common services

    Review this bill before sending

    Water₦40,000
    Security₦50,000
    Common-area electricity₦30,000
    Total₦120,000
    How this bill is shared
    Property A1₦30,000
    Property A2₦30,000

    Check totals before sending. Every property will receive only its own amount and breakdown.

    Create and check the bill

    Review the expenses, sharing choices and exact total before anything is sent.

  2. Private resident update
    August 2026 · Property A1

    Your community bill

    Amount for this property ₦30,000
    Confirmed received₦10,000
    Waiting for confirmation₦5,000
    Still due₦15,000
    Water₦10,000
    Security₦12,500
    Electricity₦7,500
    View payment details Report payment

    Resident sees their private share

    Each property receives its own amount, explanation and community payment details.

  3. Administrator review
    Payment report

    Check the community account

    Resident and property Amaka Bello · Property A2
    Amount reported₦20,000
    Bill periodAugust 2026
    StatusWaiting for your check

    Confirm only after the transfer appears in the community payment account.

    Confirm received Reject

    Administrator sees what needs checking

    Payment reports stay separate from money confirmed received by the community.

Fair sharing for real communities

Different homes can pay different amounts—without hidden adjustments.

Choose how each expense is shared. The same community can share security equally, use property weights for water, set exact amounts, or exclude one property from a cost.

Every share still adds back to the exact expense total.

BillCirclePrivate resident update
Hello Amaka. Your August community bill is ₦15,500.
Security: ₦6,000
Water: ₦4,500
Generator repair: ₦5,000 Water uses your property's agreed share.
I have transferred ₦15,500.
Thank you. Your payment is waiting for the administrator to check.
WhatsApp-first for residents

Residents can use WhatsApp without learning another app.

Residents join their property securely, receive private bill breakdowns, see the community payment account, report transfers and receive confirmation on WhatsApp.

More than one household contact can join the same property without multiplying its bill.

Payment status
Know what is confirmed received and what is still due.

See the bill total, confirmed money, still-due amount and properties confirmed.

Automatic payment reminders
Stop chasing overdue payments manually.

Set a due date and turn reminders on. BillCircle can privately remind residents on WhatsApp 1, 3 and 7 days after payment is due. If the remaining payment has already been reported for you to check, BillCircle waits instead of sending another reminder.

See how automatic reminders work
History
Keep the bill and payment record.

Sent bills stay fixed, while payment reports and spending records remain clear.

Your community keeps control of its money

BillCircle is the organiser, not the bank.

Residents pay the community's own account. BillCircle records what residents report. The community administrator confirms whether the money was received. BillCircle does not receive, store or distribute community funds.

Resident contributions
Go directly to the community payment account
BillCircle subscription
₦5,000/month through Paystack
No escrow
BillCircle never holds community funds
Who it is for

Self-managed compounds and mini-estates.

  • Administrators, treasurers, caretakers or managers
  • Compounds, mini-estates or hostels with recurring shared utility bills
  • An existing WhatsApp group and one community payment account
What it is not

BillCircle stays focused on shared community bills.

  • Not full rent, maintenance or visitor management
  • Not automatic bank reconciliation
  • Not a place for BillCircle to receive resident funds
One clear price

Calculate, send privately and keep payment follow-up organised.

₦5,000per community / month

Your 14-day trial starts when you create your community. No card is needed.

After the trial, the community can continue on the ₦5,000 monthly plan.

  • Fair property-share calculation for each expense
  • Private resident bill delivery on WhatsApp
  • Automatic overdue WhatsApp reminders, with manual private follow-up when needed
  • See payments reported, confirmed received, and still due
  • Recurring bill history and copy-previous-bill workflow
  • Spending records with a receipt reference or link
Create account See how it works

The price applies after the trial. The BillCircle fee is separate from every resident contribution.

Questions administrators ask

Clear answers before you start.

Does BillCircle collect residents' contribution money?

No. Residents pay the community's own account. BillCircle records what residents report, and the community administrator confirms whether the money was received. BillCircle does not receive, store or distribute community funds.

Can a smaller flat pay a different amount?

Yes. An administrator can split one expense equally, use agreed property shares, set specific amounts, or leave a property out. The method can differ by expense.

Do residents need to learn a new app?

Normal resident updates happen privately on WhatsApp. Secure join links help residents connect to the right property without memorising commands.

How do payment reports work?

A resident tells BillCircle that they transferred money. The administrator checks the community payment account before marking it confirmed received or rejecting the report.

Does BillCircle send payment reminders automatically?

Yes, when the administrator turns automatic reminders on and sets a due date. BillCircle can privately remind residents on WhatsApp around 9:00am on days 1, 3 and 7 after the due date. See how automatic reminders work.

Will BillCircle remind someone who has already reported a payment?

Not when the resident has reported the full remaining payment and it is waiting for the administrator to check. If only part has been reported, BillCircle can still send a reminder because part of the balance has not yet been reported. Confirmed payments stop reminders.

Can I reuse last month's bill?

Yes. Copy the last bill, change the new amounts, check every property's share, then send it.

What does the monthly fee pay for?

The ₦5,000 monthly fee pays for the BillCircle service. It is separate from every resident contribution and is collected through Paystack.

How does the 14-day trial work?

The trial begins when an administrator creates a community. No card is required. After 14 days, the community can continue for ₦5,000 per month.

Ready to organise your next shared bill?

Set up your community and make every property share clear.

Create your account, add your community and start the 14-day trial. No card is needed.

Create account See how it works