Top 5 Payments VC (Venture Capital) Funds in Ghana in September 2025
A list of 5 VC (Venture Capital) funds that invest in Payments startups based in Ghana. We rank investors based on the number of investments they made in Payments companies from Ghana. We update this investor list every month.Top 5 Payments VC (Venture Capital) Funds in Ghana in September 2025
| Investor | Payments Ghana investments | 
|---|---|
| Factor E | 2 | 
| Launch Africa | 2 | 
| CV VC | 2 | 
| First circle capital | 2 | 
| Block, Inc. | 1 | 
            Factor E is a finance company that impacts venture builders, dedicated to supporting the people and ideas that will turn the tables in the global battle for sustainable solutions to energy, agriculture, mobility, and waste challenges in emerging and frontier markets. It serves as a conduit between philanthropic and commercial investors throughmarket-driven forces.
          
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            Investment focus
            
          - Energy, Renewable Energy, Agriculture
- Seed, Series A, Convertible Note
- United States, Kenya, India
                          Portfolio highlights
              
        - Terralima — Terralima is building a digital platform where we connect a trusted network of farmers in Africa to food producers and co-operatives who get high-quality, traceable agricultural commodities at a fair, transparent and stable market price. We are also bridging the funding gap for farmers and aggregators through embbeded fintech.Our online Tradingand Fintech platform delivers direct access to markets, on-demand credit, and efficient logistics for smallholder farmers; thus ensuring we can get food from where it is produced to where it's required, while eliminating food waste and maximising profits for farmers.
- 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.
            Launch Africa is a leading Pan-African VC fund solving the significant funding gap in the Seed and pre-Series A investment landscape in Africa
          
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            Investment focus
            
          - Financial Services, FinTech, Information Technology
- Seed, Funding Round, Pre-Seed
- Nigeria, South Africa, Kenya
                          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.
- Affinity — Join over 70,000 who trust the Affinity mobile app to manage your personal banking needs and qualify for an Affinity Instant Loan
- Liquify Digital — Liquify is an invoice marketplace that transforms invoices from SMEs in emerging markets into an investable asset class for financiers seeking reliable yield
            We invest in blockchain
          
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            Investment focus
            
          - Blockchain, Software, Information Technology
- Seed, Pre-Seed, Funding Round
- United States, Switzerland, Germany
                          Portfolio highlights
              
        - fija Finance GmbH — Fija bietet renditestarke, regulierte DeFi-Produkte ohne eigenen Token. MiCA-konform, transparent & sicher.
- Mycel — Mycel is a decentralized cross-chain asset management platform with an intent-based token transfer layer.
- Reppo Labs — Blockchain Network that connect Data Owners with AI Developers and AI agents through Programmable IP Co-ownership
            First Circle Capital is a venture capital firm seeding the next fintech generation in Africa.
          
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            Investment focus
            
          - Financial Services, FinTech, Finance
- Pre-Seed, Seed, Funding Round
- Nigeria, Egypt, United States
                          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.
            Block is Square, Cash App, Spiral, TIDAL, and our foundational teams.
          
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            Investment focus
            
          - Financial Services, FinTech, Software
- Series A, Series B, Series C
- United States, India, Egypt
                          Portfolio highlights
              
        - Gridless — At the Frontier of Bitcoin Mining in Africa
- Yellow Card — Buy and Sell BTC, ETH, USDT & More in Africa | Yellow Card
- 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.
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        VC (Venture Capital) Funds in Ghana by industry
        
                      
                                                          
                      
                                                      
      
                Financial Services
                                            
                      
                                                      Big Data
                                            
                      
                                                      Payments
                                            
                      
                                                      Software
                                            
                      
                                                      SaaS
                                            
                      
                                                      Internet
                                            
                      
                                                      Mobile
                                            
                      
                                                      Biotechnology
                                            
                      
                                                      FinTech
                                            
                      
                                                      Enterprise
                                            
                      
                                                      Health Care
                                            
                      
                                                      Consumer
                                            
                      
                                                      Sustainability
                                            
                      
                                                      Energy
                                            
                      
                                                      Proptech
                                            
                      
                                                      Impact
                                            
                      
                                                      Marketplace
                                            
                      
                                                      Artificial intelligence
                                            
                      
                                                      Community
                                            
                      
                                                      Hardware
                                            
                      
                                                      Web3
                                            
                      
                                                      Transportation
                                            
                      
                                                      Manufacturing
                                            
                      
                                                      CleanTech
                                            
                      
                                                      Climate
                                            
                      
                                                      Mobile Apps
                                            
                      
                                                      Agriculture (agtech)
                                            
                      
                                                      Retail
                                            
                      
                                                      Biotech
                                            
                      
                                                      Real Estate
                                            
                      
                                                      Finance