1. EnovePay

EnovePay is a modern payment gateway that helps online businesses handle their payments smoothly. It offers a number of services Enove point of sale service (P.O.S) for Kenyan businesses,  Enove Collections, Enove Payouts and it also has a white label solution to support businesses who would be interested in offering similar services.

Enove Collections lets online stores receive payments from their customers without the hassles. Enove Payouts allows businesses to instantly pay their marketplace vendors affiliates and suppliers. This solution is available in 33 countries across Africa and Latin America, making it easier for businesses to operate globally.

Some key features of EnovePay are:

• Ecommerce Integration: EnovePay provides plugins for popular ecommerce platforms like WooCommerce, Magento and Shopify, making it simple for businesses to accept payments online.

• Security: EnovePay prioritizes security, ensuring that transactions are safe from fraud. It follows the PCI DSS standard, a set of rules to keep credit card information secure.

• Fraud Prevention: EnovePay has strong systems in place to detect and prevent fraud, ensuring the safety of transactions and funds.

• Multiple Payment Options: Customers can choose from various payment methods, including cards, mobile money, and bank transfers.

• Easy Integration: EnovePay offers a user-friendly API and clear documentation, making it easy for developers to integrate it into their systems.

Overall, EnovePay enables businesses to streamline payments, reduce fraud, and expand globally. 

2. Theteller

Theteller is an all-in-one payment gateway that offers ecommerce businesses a seamless payment experience where customers can pay from both local and international cards i.e. Mastercard, Visa, etc. as well as mobile money services. Theteller aims to make payments simple, secure, and seamless for merchants and customers in Ghana.

Key features

• Payment gateway: Theteller offers a payment gateway that integrates easily with ecommerce platforms like WooCommerce and Shopify.

• Mobile money payments: Customers can pay directly using mobile money like MTN MoMo, Vodafone Cash, Airtel Tigo Money.

• Credit/Debit card payments: Theteller supports Visa, and Mastercard, enabling international payments.

• POS and QR payments: Merchants can accept in-person payments using Theteller’s POS and QR solutions.

• Robust reporting: theteller offers detailed reports and analytics on transactions, reconciliation, and settlements.

3. ExpressPay

ExpressPay is a versatile payment solution with a wide range of features designed to streamline transactions for both businesses and individuals.

Key Features include:

• 3rd Party API Integration: ExpressPay offers API integration that is compatible with multiple platforms and accepts both card and mobile money payments. This feature enhances the customer’s payment experience when purchasing goods and services.

• Scan to Pay (Quick Response Codes): ExpressPay supports contactless payments through unique QR codes. They provide QR decals for merchants, enabling customers to scan these codes and make payments easily.

• Bill Payments: ExpressPay simplifies bill payments by allowing businesses to generate bills for their customers. They offer bill pay services to Banks, Utility services providers, and more.

• Point of Sale Devices: ExpressPay provides Android POS devices capable of initiating and accepting mobile money payments, NFC payments via mobile phones, NFC enabled cards, and traditional card plastics.

• Bulk Payments: ExpressPay enables bulk payments to multiple recipients, a feature particularly useful for businesses needing to pay hundreds of suppliers simultaneously.

• USSD Payments: ExpressPay offers USSD solutions compatible with every mobile network, allowing merchants to receive payments via their USSD code.

• Security: ExpressPay is PCI Certified, ensuring the highest level of user data protection.

In addition to these features, ExpressPay also offers a mobile app for easy access to its services. 

4. Hubtel

Hubtel (formerly SMSGH) was founded in 2005 by Alex Bram. A previous payment product they had, MPower Payments, was shut down and launched as a part of Hubtel when they rebranded.

Whilst they provide both SMS and payment solutions, they want to be Africa’s most-loved ecommerce platform. They currently have the Hubtel Mall which hosts hundreds of merchants, selling thousands of products.

Key Features

• Payment gateway for online payments
• POS systems for in-store payments
• SMS messaging and OTP services
• Hubtel Mall ecommerce marketplace

Benefits

• Established Ghanaian company with over 15 years of experience
• Offer end-to-end payment solutions for online and in-store
• Large network of merchants and users on the Hubtel Mall marketplace
• Advanced analytics provide data insights on payments
• 24/7 customer support for users
• Secure PCI DSS-compliant platform.

Hubtel provides established payment solutions tailored for the Ghanaian market. Their POS and payment gateway simplifies online and in-store transactions for merchants. The Hubtel Mall also gives retailers a ready marketplace to sell goods.

5. MyGhPay

MyGhPay was launched by Guaranty Trust Bank (GTBank) Ghana in July 2017. MyGhPay is an integrated and secure online payments and collections platform designed to enable individuals, businesses, and institutions to make or receive payments online. 

Key Features

• Payment App – MyGhPay offers a mobile app that allows users to easily pay their bills, school fees, insurance premiums, DStv subscriptions, buy airtime top-up, and more. Users can simply log in, select the service, enter the details and make payments instantly.

• Visa/Mastercard Support – In addition to mobile money, MyGhPay also supports payments using Visa or Mastercard enabled debit/credit cards, and GH-Link cards. This provides more flexibility in payment methods.

• Merchant Payments – Businesses can use MyGhPay to securely accept payments from customers on their ecommerce stores. The platform can be integrated into the online store.

• Bulk Payments – Organizations can use MyGhPay for bulk payments like salaries, vendor payments etc. The platform simplifies making payments to multiple recipients.

Benefits

• Convenience – MyGhPay eliminates the need to visit a physical location for routine payments and transactions. Payments can be made instantly from anywhere via web or mobile app.

• Security – MyGhPay uses robust security protocols and encryption to ensure payment information is protected. The platform is PCI-DSS compliant.

• Cost-Effective – By enabling digital payments, MyGhPay helps reduce transportation costs and time spent on in-person payments. Low transaction fees make it affordable.

• Reliability – MyGhPay leverages GTBank’s financial infrastructure and experience to ensure a reliable and robust payment platform.

In summary, MyGhPay brings the convenience and security of digital payments to Ghanaians and Ghanaian businesses through an easy-to-use online platform and mobile app.