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 — An open network for evaluating AI. Evaluators stake money on every verdict: right calls earn, wrong calls lose, and the results feed straight back into your loop.

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

• 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

• 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

• 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

• 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.

Portfolio highlights

• Growwr — Tell Growwr who you need. Our AI hiring agent finds relevant talent, evaluates candidates, and helps you move from hiring brief to interview.
• Paycrest — Unifying fiat and stablecoin payments globally, with speed, transparency, and built-in compliance.
• Cr3dentials — Cr3dentials lets neobanks offer credit inside their app. We handle income verification, underwriting, capital, and collections. You keep the customer.

Portfolio highlights

• Obsero — Obsero is an AI search intelligence platform and consultancy designed for marketing and communications teams. The platform tracks, measures, and optimizes how brands surface, get cited, and are recommended across Large Language Models (LLMs) and AI search assistants.
• SolarSub — SolarSub is an environmental firm that offers floating solar cooling system.
• NEARHUMAN — Nearhuman develops intelligent safety systems for micromobility and other physical-world devices. The company focuses on edge AI and computer vision that run directly on vehicles such as e-scooters and e-bikes to detect hazards, monitor pedestrian proximity, and support real-time decision making. Its flagship product, Scootrr, is an AI-powered safety platform that enables on-device perception, automatic deceleration, and safety analytics without reliance on cloud connectivity. Nearhuman designs its technology to integrate with existing shared micromobility fleets, collaborating with operators, vehicle manufacturers, and research partners. The company also provides dashboards and tools that turn on-vehicle events into route-level safety intelligence for stakeholders such as fleet operators and city authorities. Its work spans hardware vision kits, embedded firmware, perception models, and supporting software for deployment and monitoring.

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

• 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.