About
Hubtel is a Ghanaian payments and commerce platform that received a full Enhanced Payment Service Provider licence from the Bank of Ghana in April 2022. Consumers use the Hubtel app to pay bills, buy airtime, order food and shop, while merchants use it to take payments online, in person or through invoice links. It aggregates Ghana's main rails: MTN MoMo, Telecel Cash and AT Money mobile money, Visa and Mastercard cards, bank payments and the national GhQR code. Unlike a telco wallet, it is not tied to one network. As of 2026 Hubtel's website cites more than 4 million annual users and 7,979 businesses.
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