Get paid by anyone, anywhere in Ghana.
Accept MTN MoMo, Telecel Cash, AT Money, Visa and Mastercard with one checkout. Your money goes straight to your mobile money wallet, as often as you like.
Simple, easy payments.
Running a business is hard. Getting paid shouldn’t be.
- MTN Mobile MoneyApprove on your phone
- Telecel CashApprove on your phone
- AT MoneyApprove on your phone
- Visa3-D Secure
- Mastercard3-D Secure
Delight customers with a checkout they already trust
Customers pay the way they already do: mobile money on any network, or a Visa or Mastercard. One clean checkout that works on any phone.
- MTN MoMo, Telecel Cash and AT Money
- Visa and Mastercard with 3-D Secure
- Receipts emailed automatically
Ankara dress, size 12
Get paid without a website
Share a payment link on WhatsApp or Instagram, or email an invoice that your customer pays in a tap. Split each payment with partners automatically.
- Payment links, fixed or any amount
- Invoices with reminders
- Split payments to partners’ wallets
- Limit a single payment to GH₵ 2,000
- Block after 5 failed attempts
- Ghana-issued cards only
- 055 900 4112Repeated chargebacks
- 024 577 1903Blocked automatically
Protect your business from fraud
Stop bad payments before they reach you. Block numbers and emails, set limits, and answer disputes with evidence from your dashboard.
- Blacklist phones, emails and cards
- Automatic blocking after failed attempts
- Dispute handling with deadlines
curl https://api.brightsecuretech.com/v1/payments \
-H "Authorization: Bearer sk_test_••••" \
-d amount=12000 \
-d currency=GHS \
-d email=kofi@example.com
{
"status": "pending",
"checkout_url": "https://payments…/cs_…"
}Build custom payment experiences with a simple API
Three calls: create a payment, send the customer to checkout, verify. Test keys from day one and signed webhooks for every event.
- Test mode with every outcome
- Idempotent requests
- Signed webhooks with retries
Collected this month
GH₵ 84,210.50
Success rate
94.2%
Payments
1,284
Refunds
6
Clear reporting for your accounts
See every payment, customer, refund and payout for each of your businesses. Export to CSV for your accountant whenever you need it.
- One dashboard per business
- Payout receipts and history
- CSV exports
Built for the way you sell.
Just starting out
Selling on Instagram, WhatsApp or a simple site? Sign up with your Ghana Card. No registration needed to start.
- Payment links and invoices
- Payouts to your MoMo wallet
- Upgrade when you register
Registered business
Run several brands from one login. Each business keeps its own customers, payments and payouts.
- Multiple businesses, one account
- Team roles with two-step sign-in
- Split payments with partners
Developers
A small REST API with test keys from day one, signed webhooks and examples for Laravel and Next.js.
- Test mode with every outcome
- Idempotent requests
- Signed webhooks with retries
You decide when you get paid.
Mobile money payments pay out on your schedule, straight to your MoMo wallet. Card payments pay out the next business day. Change it whenever you like.
- Every hourAt the top of every hour
- Three times a day09:00, 13:00 and 18:00
- AfternoonOnce a day at 13:00
- EveningOnce a day at 18:00
- Next day (T+1)Following business day at 10:00
- WeeklyEvery Monday at 10:00
- Monthly1st of each month at 10:00
- CardsNext business day at 10:00
Live in three steps.
- 1
Create your account
Email, phone and a password, or continue with Google or Apple. Test keys are ready straight away.
- 2
Try it in test mode
Use the hosted checkout or the API. Approve, decline and time out test payments to see every case.
- 3
Activate and go live
Submit your business details and payout wallet. Reviews usually take one to two business days.
Questions.
Do I need a registered business?+
No. Start as a starter business with your Ghana Card and a selfie. Starter businesses can collect up to GH₵ 50,000 a month. Register and upgrade any time to remove the limit.
Where does my money go?+
To one mobile money wallet you choose: MTN Mobile Money, Telecel Cash or AT Money. Changing it needs your two-step code, and payouts pause for 24 hours after a change.
How fast are payouts?+
For mobile money payments you choose every hour, three times a day, afternoon, evening, next day, weekly or monthly. Card payments always pay out the next business day.
Can I run more than one business?+
Yes. One login can hold several businesses, each with its own dashboard, API keys, customers and payout wallet. Switch between them from the top of the sidebar.
What does it cost?+
2% of each successful payment, for mobile money and cards. No setup fee, no monthly fee.