Choose the easiest way to complete your payment.

1. Request a payment prompt on the Mobile Money number you intend to use.
2. Check the business name and amount, then enter your Mobile Money PIN to authorise the deduction.
3. Confirm the transaction. You will receive an SMS when the payment is processed successfully.

If an MTN prompt does not appear

1. Dial *170# on your MTN phone.
2. Select 6 — My Wallet.
3. Select 3 — My Approvals.
4. Enter your MTN Mobile Money PIN.
5. Select the pending transaction you want to approve.
6. Select 1 to confirm or 2 to cancel.

1. Request an SMS with the bank account details for the invoice you intend to pay.
2. Sign in to your bank’s website or app using your password or biometrics.
3. Open Transfers or Payments. It may also be called Bank Transfer, Funds Transfer, Instant Transfer or Make Payment.
4. Select TRANSFLOW as the destination bank.
5. Enter the Account Number from the SMS in the account-number field.
6. Enter the full amount due, complete any requested reference fields and verify the details.
7. Authorise the transfer. You will receive an SMS when the payment is processed successfully.

1. Request an SMS with the account details for the invoice you intend to pay.
2. Visit any branch of a participating bank listed below.
3. Tell the teller you want to make a TRANSFLOW payment.
4. Provide the Account Number from the SMS so the teller can retrieve the invoice.
5. Verify the invoice reference and amount shown by the teller.
6. Hand over the full amount due to complete the payment.
7. Collect the teller receipt and wait for the vendor’s confirmation SMS. Keep both as proof of payment.

Participating banks

Ecobank GhanaAll branches

First National BankAll branches

Consolidated Bank GhanaAll service counters

OmniBSIC BankAll branches

Access Bank GhanaAll branches

Universal Merchant BankAll branches

1. Open the secure Pay with Card link or button provided to you.
2. Enter the mobile number and email address where payment updates should be sent.
3. Enter your card number, expiry date and CVV.
4. Confirm your name and other information exactly as they appear on your card statement.
5. Complete any additional verification, such as an OTP, 3D Secure or bank-app approval.
6. Review the amount and confirm. You will see a success message and receive confirmation by SMS and email.

Accepted cards

VisaLocal and international Visa-branded cards

MastercardLocal and international Mastercard-branded cards