Enza Gets PSP Enhanced Licence to Operate in Ghana

In Short

• Enza has been granted a Payment Service Provider (PSP) Enhanced licence in Ghana.
• The approval comes from the Bank of Ghana, the country’s central bank and payments regulator.
• Enza says it plans to launch its payments capabilities with its first customers over the summer.

What Happened

enza said it has received a PSP Enhanced licence in Ghana, giving it regulatory approval to provide digital payments services in the country.

A PSP licence is the permission a regulator gives a company to process and route payments. It covers activities like accepting electronic payments for merchants, connecting to banking systems, and moving money between parties under defined rules.

In Ghana, the Bank of Ghana uses this licensing and oversight framework to keep payment systems safe and reliable. That includes controls meant to reduce fraud, improve security, and ensure transactions settle properly.

Enza said the licence positions it to work with banks, financial institutions, and fintechs in Ghana. The company also said it will combine local African payments experience with payments technology designed for speed and scale, and it will begin rolling out services to early customers in the coming months.

Why It Matters

For Ghana’s fintech and banking ecosystem, more licensed infrastructure providers can increase competition in acquiring and processing (the behind-the-scenes plumbing that makes card, bank transfer, and digital wallet payments work).

For startups and enterprises building payment products, regulated PSPs can reduce time spent on compliance and integrations. Instead of building direct connections to multiple institutions, businesses can use a PSP’s rails and tooling, if pricing and uptime meet their needs.

For regulators, licensing expands the set of monitored payment providers. This can improve accountability, but it also raises expectations around operational resilience, data protection, and incident reporting as transaction volumes grow.