Top 10 Payments Startup Investors in Ghana (October 2026)

Portfolio highlights

• TurnStay — Enjoy low transaction fees on card payments in ZAR, Euros or Dollars and fast payouts in your preferred currencies. Book a demo today
• Orca Fraud — Orca empowers fraud fighters with effective tools to combat fraud
• Reppo Labs — Blockchain Network that connect Data Owners with AI Developers and AI agents through Programmable IP Co-ownership

Portfolio highlights

• PayTic — PayTic enables payments issuers to manage their card programs by providing dedicated back-office solutions that streamline the end-to-end operations in customer support, chargebacks, fraud, AML, reporting, and reconciliation. Our proprietary solutions are unique in automating and centralizing the program management processes, regardless of thenumber of processors and the payment networks involved in the payments products. We impact payments providers by eliminating the defragmented and manual processes and replacing them with a SaaS platform that increases proactivity, mitigates risks, and delivers value. It reduces the burn rate to near 0 in operational costs and offers an unprecedented competitive advantage. PayTic is introducing the Zero Ops model in managing payments.
• Pumpkn — Need reliable funding? We provide quick loans and capital tailored for Agriculture businesses in South Africa. Grow your business with Pumpkn. Apply now!
• Scale — Scale accelerates market entry and revenue for fintechs with a people-first approach.

Portfolio highlights

• InspiraFarms — InspiraFarms provides on-and-near farm, grid & solar powered Cold Rooms & Packhouses for agribusinesses & distributors. Reduce energy costs & food losses!
• Open Access Energy — South Africa's first multilateral wheeling software platform that automates energy transactions.
• 60Hertz Energy — Unify asset management with asset monitoring, enhance scheduling, and facile communication. Book a Demo Now!

Portfolio highlights

• Zazu — Manza is an all-in-one financial platform for African SMEs, helping businesses manage payments, automate cash flow, and access real-time financial insights from one simple dashboard.
• Fincart — Fincart is a leading shipping platform in Egypt, connecting your business with top courier services, automating operations, and helping you scale your eCommerce logistics.
• Udu Technologies — Explore GPU cloud and hardware through AGH Cloud, UduTech's flagship product, and AI advisory for teams in the United States, Africa, the Caribbean and beyond.

Portfolio highlights

• Growwr — Growwr is an AI-native workforce infrastructure platform building the operating system for global work.Its flagship product, Growwr AI, acts as an intelligent hiring agent that helps companies source, screen, evaluate, and hire talent through conversational workflows instead of manual recruiting processes. Companies can describe a role, definehiring priorities, and automatically receive ranked candidates based on verified skills, work history, and performance data.Beyond hiring, Growwr provides integrated global payment infrastructure that enables companies to pay talent across 180+ countries through cards, bank transfers, mobile money, and local payment rails.Because hiring, work, and payments happen inside one system, Growwr continuously generates verified workforce data around earnings, productivity, reliability, and work consistency. The company is leveraging this infrastructure to build workforce financial services including payroll, invoicing, credit scoring, and access to financial products for professionals in emerging markets.Growwr supports 90,000+ users across 15 countries, has processed over millions in payouts, and serves businesses across Africa, the UK, and the US.The company is building the AI and financial infrastructure layer powering the future of global work.
• Paycrest — Decentralized routing protocol for instant, secure, zero-fee payments in emerging markets.
• Cr3dentials — Cr3dentials provides a verification platform for digital earners, confirming income, reputation, and work history. The service links user accounts from marketplaces, creator networks, ecommerce systems, and crypto exchanges, including Upwork, YouTube, Shopify, and Binance. Aggregated data is transformed into verifiable credentials that captureearnings, activity, and tenure. These credentials are designed for sharing with platforms or institutions that need evidence of online work and revenue. The approach reduces manual document exchange and supports consistent proofs for digital workers. Offerings include account linking, data aggregation, and shareable verification profiles.

Portfolio highlights

• BFree — BFree focuses its collection processes on sustainably leading customers out of debt by giving them back control over their finances.
• Points Africa — Shop, earn & redeem Points Africa Loyalty Reward Points seamlessly at stores, restaurants, banks, fuel stations and more throughout Africa. Download the app now.
• Jackfruit Finance — Fast, flexible school financing in Kenya. Get working capital, projects, and asset loans designed around school fee cycles and growth needs.

Portfolio highlights

• Bitstack — It all started with an idea in 2021. Initially built to democratize Bitcoin in France, Bitstack has gone from a simple product that rounds up your everyday purchases and invests the spare change in bitcoin, to a dynamic app bringing a better way to manage all things money, with better money. Our mission is to empower people to better financetheir future by participating in a more open and inclusive financial system. We are rebuilding finance from the group up by building the first crypto-native bank that leverages Bitcoin and stablecoins to revolutionize consumer banking.
• Bipa — Bipa is a Brazilian fintech and digital account built around Bitcoin and USDT. Founded in 2020, Bipa connects the traditional financial system to digital assets — allowing users to buy and sell crypto starting from R$1 via Pix, pay any bill using Bitcoin, earn Bitcoin cashback (Satsback®) on every card purchase, and self-custody their funds viaLightning Network and on-chain withdrawals.
• Meanwhile — The world's first regulated Bitcoin life insurance. Tax-efficient wealth planning for long-term Bitcoin holders.

Portfolio highlights

• SolarSub — SolarSub is an environmental firm that offers floating solar cooling system.
• Anemo Labs — We develop highly selective polymer-based sensors to detect gas VOCs in the ppb range, in real-time. We combine custom hardware with Machine Learning to characterize smells
• INTELLIGENT MASS SPEC SOLUTIONS — Intelligent Mass Spec Solutions develops urine-based mass spectrometry and machine learning diagnostics for adrenal cancer.

Portfolio highlights

• Gridless — At the Frontier of Bitcoin Mining in Africa
• Yellow Card — Yellow Card is a licensed stablecoin payments infrastructure provider powering global money movement across USD and 50+ local currencies. Talk to us.
• Aston Reinvestment Trust — As a Community Development Finance Institution (CDFI) ART's remit is to ensure that viable businesses and social enterprises in the West Midlands can access the finance they need.

Portfolio highlights

• Yellow Card — Yellow Card is a licensed stablecoin payments infrastructure provider powering global money movement across USD and 50+ local currencies. Talk to us.
• Sensori — Sensori is spearheading the trend for social beverages that include nootropics and adaptogens that have been clinically studied to produce a feel-good condition. Sensori provides an uncompromising, all-natural means of connecting, relaxing, and embracing the human experience.
• Aston Reinvestment Trust — As a Community Development Finance Institution (CDFI) ART's remit is to ensure that viable businesses and social enterprises in the West Midlands can access the finance they need.