Business Beyond Cash

Funds-To-Phones platform, automated payroll for emerging markets

Meet Paycheq

PayCheq is a Funds-To-Phones platform, automated payroll for emerging markets.

All Networks. One Balance

Your PayCheq account supports more than one network. No need to contract with multiple mobile payment networks and manage multiple connections. With PayCheq, there's no need to maintain a float balance for each network. Manage only one balance. Just specify a phone number and PayCheq will automatically detect which network it belongs to.

Pay the Right Person Everytime

PayCheq pre-checks your payees to confirm that the phone numbers belong to them. Detect data entry mistakes or fraud. Prevent payments to wrong phone numbers, and reconciliation headaches. Organize payees into unlimited groups. Load and pay groups in one go. Store extra payee information to match your organization needs.

Easy, Repeatable Bulk Payments

Enjoy 1% on all transactions and a capped fee of 10GHC on all transactions above 1000 GHC. You can decide whether to include withdrawal fees and PayCheq will automatically calculate them and add them to your payments. Don't start payments from scratch. Copy & edit previous payments. Schedule payments to go out at future dates or to go out repeatedly.

Intelligent Insights

Customer Engagement

Engage with customers via third party agents and self-service channels such as SMS, USSD, APPs, ATMs and Web.

Process Improvement

Improve your existing processes to enable your insti-tution reduce cost, reduce cash suppression and in-crease your customer base and throughput.

Integrated Services

Integrated Services Unified integration to core banking systems, credit reference bureaus, Mobile Network Operators, Mobile Money Operators, identity management sytems and many more.

Enjoy 1% on all transactions and a capped fee of 10GHC on all transactions above 1000 GHC.


No need to contract with multiple mobile payment networks and manage multiple connections.

Prevent payments to wrong phone numbers, and reconciliation headaches.




Paycheq Screenshots

Check out some the screenshots from Paycheq

About Paycheq

PayCheq is a Funds-To-Phones platform, automated payroll for emerging markets. Funds-to-Phones is the only product currently being offered that can make and track real-time payments to multiple mobile money networks. By eliminating the up-front costs and time necessary in working directly with the telecoms, PayCheq is able to offer customers a low-cost, transaction-based and powerful solution to eliminate the use of cash.


PayCheq helps business move beyond cash and is working to create solutions that let organizations easily integrate mobile money into projects. One of the obvious problems we solve is the frustration customers go through with making payments. So that instead of going through multiple screens to make a payment you simply give the cashier your phone number and you get a popup on your phone where you only enter your PIN and the payment is complete. This doesn’t require any technical expertise to get started.


Our systems require two step authentication for all actions, or for only sensitive actions. User access is limited by multiple access levels or roles. Our data is backed up regularly and encrypted using bank level encryption both at rest and during data transfer. HTTPS & HTST are used to encrypt all data transfers. PayCheq's platform is hosted on distributed, secure data centers, with a full range of security features. PayCheq is also certified by Ghana Data Protection Commission.






Get in touch

Paycheq Support

Email Address: support@paycheq.io

Email Address: info@paycheq.io

Telephone: +233240026116 / +233207116485