BigPay Ghana

What BigPay Ghana does

BigPay Ghana Ltd is a Ghanaian fintech founded on 17 November 2020 and licensed by the Bank of Ghana as a Payment Service Provider. The company operates an API-first cross-border payments infrastructure that enables inbound remittances from over 200 countries into Ghanaian bank accounts and mobile money wallets (MTN, Telecel), with processing times of 2–15 seconds. Its core product portfolio comprises Global Remittances, a Payment Services suite (bill pay, P2P, online purchases across 100+ payment methods), and a B2B Payments API used by Money Transfer Operators, telcos, and fintechs. Two additional modules — Cash Pick Up and a Commerce payment gateway — are publicly listed as forthcoming.

The business model is transaction-fee based across three revenue streams: cross-border remittance fees (co-set with MTOs and telcos), payment-processing fees on merchant transactions, and B2B API/white-label integration fees. Go-to-market is hybrid: a digital-first self-serve channel (website and mobile app) targets consumers and SMBs, while a partner-mediated channel (banks, telcos, MTOs) targets enterprise distribution. The 2025 NALA partnership, executed under a Bank of Ghana Letter of No Objection, has converted BigPay into a regulatory gateway for foreign remittance operators seeking Ghana market access, and is positioned as a template for Africa-wide expansion.

The company is privately held, wholly Ghanaian-owned, and bootstrapped (no disclosed funding rounds). It employs 11–50 staff and holds ISO 27001:2022 ISMS and PCI DSS certifications, with membership in IAMTN and the Ghana Fintech and Payments Association. Management is led by founder-CEO Isaac Tetteh. Two flagship product modules (Cash Pick Up, Commerce) remain unreleased as of the most recent data, signaling that platform breadth — not monetization depth — is the current strategic priority.

Name

BigPay Ghana

Legal name

Big Pay Ghana Ltd

Website

https://mybigpay.net

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

BigPay Ghana is a Bank of Ghana-licensed fintech operating an API-first cross-border payments infrastructure, enabling remittances from 200+ countries into Ghanaian bank accounts and mobile money wallets, and serving B2B partners (MTOs, telcos, fintechs) via single-API integration.

Ownership category

akta.pro rank

Product category

Cross-border Payments & Remittance Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Consumer Remittances (P2P) (FSAMAIAA)

akta.pro secondary industries

International / Multi-Currency Wallets (FSAMAEAL), Merchant Cross-Border Collections (Pay-ins) & Local Payment Methods (FSAGAKAD), Cross-Border Card-Based Transfers & Multi-Currency Cards (FSAGAKAE), International Bill Pay & Cross-Border Airtime/Top-Up (FSAGAKAM)

Keywords

• Cross-border payments
• Remittance services
• Mobile money transfers
• Payment API infrastructure
• Fintech payment gateway

Headquarters

HQ city

Accra

HQ country

Ghana

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales, Others

Revenue model

1. Cross-border Remittance Services: Fees charged for international money transfers, with pricing determined in collaboration with money transfer operators and telecom providers. Transfers processed to bank accounts and mobile money wallets in Ghana.
2. Payment Processing Services: Transaction fees for payment gateway services enabling businesses to accept international payments via 100+ payment methods including credit/debit cards and local payment options.
3. API Integration/White-label Solutions: B2B API integration services for businesses including Money Transfer Operators, telecom companies, and financial institutions seeking to offer cross-border payment capabilities under their own branding.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

BigPay Ghana is a Bank of Ghana-licensed Payment Service Provider that offers cross-border remittance and payment services via a single API integration. Its platform enables businesses and individuals to send and receive international money transfers into Ghanaian bank accounts and mobile money wallets, processing transactions in 2–15 seconds across 200+ countries. The company also provides a B2B payment API and white-label solutions for Money Transfer Operators, telecom companies, and financial institutions.

Product overview

BigPay Ghana is a Ghanaian fintech company licensed by the Bank of Ghana, offering a unified digital payments platform with multiple service lines. Its core product portfolio consists of Global Remittances (cross-border money transfer to bank accounts and mobile wallets, 200+ countries, 2–15 second processing), Payment Services (bill payments, P2P transfers, online purchases, 100+ payment methods, Stripe-powered fraud detection), and an API product enabling businesses to embed its payment infrastructure. Two additional modules — Cash Pick Up and Commerce — are listed as coming soon. The platform is accessible via a website and mobile app, with a focus on regulatory compliance and API-driven B2B integration.

Differentiator

Problem solved

Functional benefit

Products and services

• Global Remittances International money transfer service enabling users to send and receive funds across borders into bank accounts or mobile wallets in Ghana, covering over 200 countries and territories with processing times of 2–15 seconds. Targeted at individual consumers sending money home and businesses facilitating remittances.
• Payment Services Suite of payment services including bill payments, money transfers to friends and family, and online purchases. Supports 100+ payment methods with one-click payments, built-in optimizations, and real-time fraud detection via Stripe. Designed for individual consumers and businesses accepting payments.
• BigPay API (Payments API) Bank-grade API enabling businesses to integrate BigPay's cross-border payment and remittance services into their own systems for automated, seamless fund transfers and same-day payouts to Ghanaian bank accounts or e-wallets. Targeted at Money Transfer Operators, telecom companies, and financial institutions seeking white-label payment infrastructure.

Quantifiable outcome

• Processing time for international money transfers reduced to 2-15 seconds
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability1 record

Feature5 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• NALAcoreChannel Partner/ Reseller/ Distributor · 18 December 2025Strategic partnership where NALA, an international payments company, received Bank of Ghana approval through BigPay's licensed infrastructure to offer regulated inbound cross-border remittance services in Ghana. NALA users can now send money directly into Ghanaian bank accounts and mobile money wallets using BigPay's regulatory framework and payment rails.
• Absa GhanacoreChannel Partner/ Reseller/ DistributorBanking partner enabling cash pick-up services and disbursement capabilities through Absa's branch and agent network across Ghana.
• MTN GhanacoreChannel Partner/ Reseller/ DistributorTelecom partnership enabling mobile money wallet disbursements and integration with MTN's mobile money ecosystem for remittance payouts.
• Telecel GhanacoreChannel Partner/ Reseller/ DistributorTelecom partnership for mobile money wallet disbursements, expanding mobile money payout options for remittance recipients.
• ATB (Asante Twenefosua) BankminorChannel Partner/ Reseller/ DistributorBanking partner for cash pick-up and bank account disbursement services.
• StripecoreTechnology or IntegrationTechnology partnership leveraging Stripe's cutting-edge machine learning technology for real-time fraud detection, analyzing transaction data and patterns to minimize fraud risk while keeping false positives low.
• GHIPSS (Ghana Interbank Payment and Settlement Systems)coreTechnology or IntegrationIntegration with Ghana's national payment infrastructure enabling interoperability and settlement between financial institutions.
• GhanaLink (Universal Lady)minorChannel Partner/ Reseller/ DistributorMoney transfer operator and agent network partner for remittance distribution services.
• Lem (Let Me Make Money)minorChannel Partner/ Reseller/ DistributorMoney transfer operator partner for remittance services.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• NALA: International payments and remittance company whose inbound remittance service into Ghana runs directly on BigPay's rails. NALA is both a customer and a near-direct competitor for the same Ghanaians-abroad corridor.
• WorldRemit: Global digital remittance MTO serving the Ghana corridor with mobile money and bank payouts. Closest direct competitor in international money transfer into Ghana.
• Remitly: US-headquartered digital remittance company offering mobile money payouts across Africa, including Ghana. Competes with BigPay on the same diaspora-to-Ghana corridor with a much larger user base.
• SendWave: Africa-focused remittance app (owned by Zepz) with deep mobile money penetration across West Africa. Direct competitor in the Ghana mobile money remittance segment.
• Onafriq (formerly MFS Africa): Pan-African payment infrastructure platform connecting mobile wallets, banks, and MTOs across the continent. Comparable cross-border payment infrastructure play with broader African footprint.

Emerging players

• Chipper Cash: Africa-focused cross-border payments app serving the Ghana and Nigerian diaspora. Competes with BigPay on consumer cross-border experience while pursuing a broader Africa fintech stack.
• Flutterwave: Pan-African payment infrastructure provider offering APIs for cross-border and local payments. Overlaps with BigPay on the B2B payment infrastructure layer and merchant acceptance.
• Wave: Mobile money operator expanding across West Africa including Ghana. Competes with BigPay on mobile money wallets and intra-Africa transfers.
• Paystack: Nigeria-founded African payment gateway (now part of Stripe) serving merchants across West Africa. Comparable as an online payment gateway provider for African SMBs, mirroring BigPay's planned Commerce module.

Broad incumbents

• DPO Group: Established African payment service provider offering merchant services and cross-border payments across multiple African markets. Broader incumbent with overlapping regulated payment-rails capabilities.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/BigPayGhana
• Facebookfacebook.com/BigPayGhana
• LinkedInlinkedin.com/company/bigpayghana
• Instagraminstagram.com/bigpayghana

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BigPay Ghana