💳

Make Contributions — Visual Guide

EsusuOnline · Slots · April 2026

What is a contribution?

A contribution is the fixed amount you pay into an active slot every round. The platform tracks your due dates, lets you pay directly from your wallet, and records whether you paid on time, paid late, or defaulted.

Late payments affect Trust Score

EsusuOnline uses contribution history and peer feedback to build your Trust Score. Late payments reduce trust, and repeated delays can harm your rating tier and your ability to join stronger savings groups.

1
Check Pending Contributions
1

Open the dashboard and find the Pending Contributions panel

The dashboard shows a dedicated Pending Contributions table with your upcoming or overdue payments. Each row shows the slot name, amount due, current status, and a Pay Now button.

esusuonline.org/dashboard
Current Trust Tier
Silver
4-star community rating
Active Slots
3
2 requiring contributions this week
Pending Contributions
2
1 due soon, 1 due today
Pending Contributions
Slot Name Amount Due Status Action
Sunday Savings Circle NGN 5,000 Due in 2 Days
Market Women Slot NGN 10,000 Due Today
Family Rotational Fund NGN 7,500 Overdue
2

Understand the contribution status colors

The system color-codes each contribution based on the due date.

ℹ️ Green means the due date is still ahead. Yellow means the payment is due today. Red means it is already overdue.
✅ If you have no pending rows at all, the dashboard shows a success state: "No pending contributions at the moment. Well done!"
2
Pay From the Slot or Dashboard
1

Click Pay Now on the dashboard

From the Pending Contributions table, click Pay Now. EsusuOnline pays the contribution directly into the slot using your wallet balance.

Dashboard Payment
NGN Wallet
Available balance
USD Wallet
Separate wallet for USD slots
Market Women Slot
Due Today · Round 3 Contribution
NGN 10,000
✅ After a successful payment, the platform refreshes your dashboard, slots list, wallet, and current user data automatically.
2

Or pay from the slot detail page

If the slot is already In Progress and your contribution is marked Pending or Late, the slot detail page shows a dedicated button: Pay My Contribution.

esusuonline.org/slots/a3f2c1...
Slot Details
Participants
Payout Order
Slot Status
In Progress
Current Round
Round 2 of 10
Next Due Date
1 May 2026
Contribution tracked per round
Your Contribution Status
Pending payment for this round
Pending
3
Keep Wallet Funded Before Due Dates
1

Your contribution is deducted from wallet balance

EsusuOnline does not ask you to re-enter card details every time. It deducts the contribution from your wallet. If your wallet is not funded, the payment fails and your contribution remains pending.

esusuonline.org/wallet
NGN Wallet
Available balance
Next Contribution Due
Short by ₦ 2,000
❌ Insufficient balance: your available NGN wallet balance is lower than the amount due. Fund your wallet before the deadline to avoid a late status.
2

Best practice: fund early, not on the deadline

Don’t wait until the due date. Keep enough money in your wallet a few days ahead so that your contribution can be paid immediately whenever the round opens.

ℹ️ For NGN slots, fund your NGN wallet. For USD slots, fund your USD wallet. The two wallets are separate.
✅ Use the dashboard panel as your weekly check: if you see a green row saying Due in 2 Days or Due in 5 Days, top up your wallet now instead of waiting.
4
Grace Period, Late Status, and Default
1

The system tracks how many days you are past due

After the due date passes, EsusuOnline tracks overdue days and updates your contribution status. The slot engine uses a configurable grace period and a later default threshold to decide what happens next.

Before Due Date
Pending / Due Soon
Status stays green while the deadline is still ahead.
Due Date
Due Today
Dashboard row turns yellow and prompts you to pay.
Past Due
Late
Platform marks you late once the payment is overdue and may charge a late fee.
Too Many Days Late
Defaulted
If late remains unresolved past the default threshold, default rules are triggered.
⚠️ The platform’s current engine uses a configurable grace period and default period. In the current backend defaults, the grace period is 3 days and default is triggered after 7 days past due if not resolved.
🚨 When your status changes to Late, EsusuOnline can apply a late-payment fee and a Trust Score penalty.
5
System Tracks Payment, Ratings, and Trust Score
1

On-time vs late contributions affect your system points

EsusuOnline automatically updates your trust-related system points based on contribution behavior. Consistency helps your tier; lateness hurts it.

System Contribution Events

KYC approved+50
Joined a slot+5
On-time contribution+5
Late contribution-10
Defaulted contribution-50

Trust Tiers

Tin0 - 100
Copper101 - 300
Bronze301 - 600
Silver601 - 800
Gold801 - 1000
Platinum1001+
2

Peer feedback also affects trust after a slot cycle

When a slot becomes Completed, Closed, or Aborted, members can rate one another from the Peer Feedback page. This affects the community side of your Trust Score.

esusuonline.org/ratings
Peer Feedback
Provide feedback for fellow participants in eligible slots.
Sunday Savings Circle
Slot Status: Completed
Eligible for Feedback
🛡️
Reliability
Did this member pay when expected and keep commitments?
🤝
Teamwork
Were they cooperative and respectful to the group?
⚡
Honesty
Did they communicate truthfully and act fairly?
ℹ️ Positive peer votes improve your standing. Negative votes on reliability, teamwork, or honesty can pull your trust down, especially if combined with late payments.
6
What a Successful Contribution Looks Like
1

After payment, the platform records the result immediately

When a contribution succeeds, your slot and dashboard refresh, the due row disappears or changes, and your wallet transaction history records the debit as a Contribution.

Success State
✅
Success
Contribution paid successfully.
Contribution Status
Paid
Wallet Transaction
Contribution Debit

Contribution Tips

→ Dashboard → Wallet → My Slots → Peer Feedback → Fund Wallet Guide → Join/Create Slot Guide → Full User Guide