Hubtel Platform (Payments & Merchant Services)
Business Profile
Core Value Proposition
Hubtel provides a payments and merchant services platform that helps businesses accept payments, manage finances, track transactions, and grow revenue.
Target Customer
Merchants and businesses of all sizes in Ghana seeking to accept payments and manage revenue, including retailers, restaurants, service providers, healthcare facilities, and educational institutions.
Key Differentiator
Hourly settlements and real-time transaction monitoring across multiple payment types (mobile money, card, QR) plus USSD payments and a unified merchant dashboard, with no setup fees.
Implementation Timeline
Onboarding is described as free with no setup fees; no explicit timeline for value realization is provided in the content. Implies rapid start once engaged.
Pain Points
- 1Fragmented payment acceptance across channels requiring multiple tools (USSD, mobile money, card, QR) instead of a single platform.
- 2Slow or opaque settlements with payments not available immediately in back-end accounts (hubtel emphasizes hourly settlements).
- 3Limited real-time visibility into transactions and revenue without a centralized back-office dashboard and analytics.
Key Features
- 1Multi-channel payments: USSD, mobile money, card, QR codes, and online checkout
- 2All-In-One POS for in-store payments and online payments
- 3Invoicing and customised invoices to receive payments
- 4APIs to send/receive money and perform bulk payments
- 5Merchant Dashboard with real-time transaction monitoring and analytics
- 6SMS capabilities and customer analytics
- 7Integrations for online checkout and offline payments
Target Customer Industries
Client Results
- 1Grow revenue by enabling easy acceptance of payments across channels and improving payment flow
- 2Real-time visibility into transactions and customer activity with a back-office dashboard
- 3Faster access to funds through hourly settlements and flexible payout options
Competitive Advantages
- 1Hourly settlements and quick access to funds
- 2Accepts multiple payment types (mobile money, card, QR, USSD)
- 3No setup fees and transparent pricing (1.95% per transaction)
- 4Back-office dashboard with real-time monitoring
- 524/7 support
Key Benefits
Case Studies & Success Stories
Golden Crystal (Healthcare case)
Customer valued Hubtel for genuine care, speed, support, and affordability; would choose Hubtel over faster competitors due to overall partnership quality.
Sazian Integrative Clinic (Healthcare case)
Hubtel’s POS provided payment flexibility for patients; hourly settlement offered quick payments; improved satisfaction.
Nova Ghana (General business testimonial)
Described Hubtel as a digital partner that provides visibility into who is buying and how much they are purchasing.
Additional Product Information
Product Description
A payments and merchant services platform enabling businesses to accept payments (in-store and online), manage finances, create invoices, and access APIs for sending/receiving money, bulk payments, and analytics. Includes features like USSD payments, online checkout, invoicing, all-in-one POS, merchant dashboard, and SMS capabilities.
Target Market
Ghana-based businesses of all sizes across multiple sectors (retail, food service, healthcare, education, government) seeking multi-channel payment acceptance and revenue growth.
Unique Value Proposition
A unified, multi-channel payments platform delivering real-time transaction visibility, hourly settlements, and a merchant-focused dashboard, with no setup fees and transparent pricing.
Technical Requirements
APIs available for payments; supports online checkout and in-store payments; USSD payments via shortcode; activation may involve Ghana Card verification (for Pay Small Small); requires internet for online features but includes USSD option that does not require internet.
Pricing Model
Pay only 1.95% per transaction with no setup fees and no hidden charges; hourly settlements; transfer of funds to bank accounts or mobile wallets at no cost.
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