BluPenguin

BluPenguin is a Bank of Ghana licensed Payment Service Provider (PSP) that helps transaction-based businesses accept digital payments in-store or online and receive settlements directly into their business bank accounts.

Key capabilities include:

• BluPay digital payments for accepting card and mobile money payments, plus BluPay QR and BluPay USSD options for customer-initiated payments.
• Card machines with Tap ’n’ Pay support, designed for cashless checkout and compatible with major debit and credit cards, alongside mobile money transactions.
• Payment links and Sell Online tools that let merchants take online payments and turn a website into an e-shop.
• Manage Sales & Inventory tools for inventory management, sales tracking, and issuing invoices for cash, mobile money, and card payments, plus connectivity support through Dynamic SIM for reliable terminal network access.

Available on Web and Android (BluPay app on Google Play), with a Developers section for integrations.

Target users include merchants and other transaction-based businesses, plus banks that need payment acceptance and terminal monitoring capabilities; it also supports agent-led cash-out use cases through the Swipe-4-Cash program.

Notable in Ghana’s fintech market context, it operates as a locally licensed PSP, supports common payment methods used in Ghana (including local mobile money networks and card schemes), advertises no monthly fees, and maintains offices in Ghana and Côte d’Ivoire, with an additional office presence in Nigeria.