Your circle, step by step.
Here's exactly how Equb Pay works — from your first invite to your final payout.
Start or join a circle
Start by giving your circle a name and setting the rules: how much each member contributes per cycle, how often (weekly, bi-weekly, or monthly), and how many members. Then invite people directly by phone number or email. Each member must accept the invitation and link their bank account before the circle activates.
Contributions happen on schedule
Once the circle is active, each member's contribution is handled for them on the scheduled date — no action needed. If a payment fails, the organizer is notified immediately.
Payouts rotate until everyone receives
The payout order is established when the circle forms. When your turn arrives, the full pool minus your position fee is deposited to your linked bank account. Every member can see the full payout schedule at all times.