---
title: "BluPenguin: Card and Mobile Money Payments"
description: "Accept card, mobile money, QR, USSD & payment links in Ghana. No monthly fees; 2.5–2.9% in-store card, 1.5% MoMo, 3.5% online."
canonical_url: "https://liners.com/blupenguin"
markdown_url: "https://liners.com/blupenguin.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/theblupenguin/screenshot.webp?v=1781030252003"
published_at: "2026-06-15T12:17:39.825Z"
updated_at: "2026-09-20T20:38:46.579Z"
---

# BluPenguin: Card and Mobile Money Payments

Accept card, mobile money, QR, USSD & payment links in Ghana. No monthly fees; 2.5–2.9% in-store card, 1.5% MoMo, 3.5% online.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [BluPenguin](/blupenguin)

## Summary

Accept card and mobile money payments in-store or online

A Bank of Ghana licensed payment service provider that helps Ghanaian merchants accept cards, mobile money, QR, USSD, and payment links, with settlement to business bank accounts.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.theblupenguin.com/ |
| Tagline | Accept card and mobile money payments in-store or online |
| Primary country | Ghana |
| Platforms | Web, Android, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Inventory Management](/tags/inventory-management): Product feature or technology
- [Mobile Money](/tags/mobile-money): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Payment Links](/tags/payment-links): Product feature or technology
- [POS](/tags/pos): Product feature or technology
- [QR Payments](/tags/qr-payments): Product feature or technology
- [USSD](/tags/ussd): Product feature or technology
- [Ghana](/countries/ghana): Market

## Related pages

- [Alternatives](/blupenguin/alternatives)
- [Reviews](/blupenguin/reviews)
- [Transparency](/blupenguin/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/blupenguin)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)