Payments built for the way Ghana pays
EpsilonPAY works with the Mobile Money account you already have. Scan a QR code, tap a card or send money in seconds. It goes straight from one account to the other, and we never hold your balance.
Works with the Mobile Money services you already use
What you can do with EpsilonPAY
Send money
Send to any Mobile Money wallet or bank account in Ghana. The fee shows up before you hit confirm.
Receive money
Get paid by QR code, card tap or transfer. The money lands in your own MoMo account, and both of you get a receipt.
Stay in control
Your money never sits with us. It moves straight between accounts, and every transaction gets a reference number you can look up later.
Turn your phone into a card machine
Take card payments with a tap on the back of your phone. There's no terminal to rent and nothing extra to buy. Any NFC-ready Android phone will do.
Your money stays in your Mobile Money
Link your MoMo once and you're set. When you pay, we charge it directly. When someone pays you, the money goes back into it. There's no wallet in the middle and nothing to top up.
Support around the clock
Something wrong at 2am? Open a chat in the app. Every conversation gets a ticket number, so you can follow up on an issue instead of explaining it all over again.
Built for business, too
Accept payments in-store
Run your shop from the same app your customers pay with. Take payments, track your sales and cash out wherever you want.
Run your counter at full speed
Made for counters with a queue. Scan the barcode, take the payment, print the receipt and move on to the next customer.
Your money, protected
The safest place for your money is where it already is: with your Mobile Money provider. Our job is to protect it while it moves.
No pooled funds
We never hold balances, so there's no pot of customer money sitting on our servers.
PIN and biometrics
Every payment needs your PIN, and you can lock the app behind your fingerprint or face.
Verified identities
External transfers only open up after an ID check with your Ghana Card or passport.
Instant card blocking
Lost your card? Block it with one toggle. You can even close your whole account yourself, without calling anyone.
Get started in minutes
Create your free account
Sign up with your phone number. It takes about two minutes.
Verify and link your MoMo
Do a quick ID check, then add the MoMo number you want to pay with.
Start paying and getting paid
Scan, tap or send. Money goes straight through your MoMo from day one.
Frequently asked questions
Does EpsilonPAY hold my money?
No. When you pay, the money comes straight out of your linked MoMo. When someone pays you, it goes straight in. We keep the records and receipts. Your provider keeps the money.
Which Mobile Money services can I link?
MTN Mobile Money, Vodafone Cash and AirtelTigo Money work for both paying and receiving. G-Money and Zeepay are supported for payouts. You can swap or remove your linked number in the app whenever you like.
Do I need a bank account?
No. A registered Mobile Money number is enough. Bank transfers are there too if you ever need them.
What does it cost?
Sending to another EpsilonPAY user costs nothing. For everything else, the fee shows on screen before you confirm. Your MoMo provider may still charge its usual network fees.
What happens if a payment goes wrong?
Open a support chat in the app, any hour of the day. Every issue gets a ticket number and every transaction has a reference, so we can trace exactly what happened and put it right.
Get the EpsilonPAY app
QR codes, card taps, transfers and receipts, all in one app. Your MoMo does the rest.
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Legal and privacy
Privacy Policy
How your data is collected, used and protected.
Terms of Service
Use rules for payments, merchant tools, POS, NFC, QR and Palm Pay.
Account & Data Deletion
Delete your account and data from outside the app.
Data Safety & App Privacy
Store-listing disclosures for Google Play and the App Store.
Support
Public support contact for users and store reviewers.