Services Our Services GhanaPay has the following services: Send & Receive Money Transfer money instantly to GhanaPay users, other mobile money networks, and bank accounts. Cash-In & Cash-Out Deposit or withdraw funds easily through supported agents and banking channels. Pay Bills Conveniently pay utilities, subscriptions, and other services in seconds. Buy Airtime & Data Top up your phone or others instantly. Merchant Payments (GhQR) Pay securely at merchants using GhQR — fast and contactless. Interoperability Enjoy seamless transfers between banks and mobile money networks. Generate Token Secure your transactions with token-based authentication. Request Statements Access detailed transaction history anytime. Feedback & Support Submit complaints or feedback directly within the platform. Sponsored Wallets Create shared wallets for families and dependents. Standing Instructions Automate recurring payments with ease. MyGhanaPay Savings Grow your savings with integrated financial tools. Crowdfunding Support or create funding initiatives within your network.