Hubtel

Hubtel is a self-service developer portal that helps developers, businesses, and individuals in Ghana integrate programmable APIs for payments, settlements, bill payments, customer verification, and SMS.

Key capabilities include:

• Payments and settlement APIs for receiving mobile money payments across networks, accepting card payments, sending money to a mobile money wallet, and transferring to bank accounts on the GhIPSS network.
• Bill payments and top-ups to help merchants facilitate ECG (prepaid and postpaid) payments, Ghana Water bills, TV subscriptions (DSTV, GoTV, StarTimes), plus airtime and data bundles.
• Customer identity verification APIs to validate Ghana ID details, Voter ID details, Ghana mobile number subscriber information (including mobile money activation), and Ghana bank account details before transfers.
• A transaction monitoring dashboard for tracking payment trends, customer insights (including top spenders and returning customers), and SMS delivery and spending.

Available via Web (developer portal), supported by apps on Android and iOS, and with an API for integration.

Target users include developers building for large businesses, SMEs, and personal projects that need Ghana-focused payments, payouts, bill collections, verification, and messaging.

Notable for its Ghana-specific integrations such as ECG, GWCL (Ghana Water), GhIPSS, and national identity checks (Ghana ID and Voter ID), making it relevant for local fintech, e-commerce, and utility payment use cases.