One platform, Every angle of payment, All 360 degrees.

Self onboard as merchant

Explore the API →

Trusted partners across Ghana's financial ecosystem

Payments, simplified.
People, included.

We believe payments should work quietly in the background, freeing people and businesses to focus on what matters. 360Pay delivers that promise: a dependable platform that makes moving money faster, easier, and more inclusive for everyone we serve, from the individual receiving remittance from abroad, to the enterprise disbursing payroll to thousands.

The 360Pay Family.

One name. Every angle of payment.

360Pay brings together everyday consumer payments, merchant services, and financial products, savings, loans, insurance, remittance, and bills, into one modular ecosystem, accessible through the app, the web, USSD, or APIs.

360Pay Mobile App

Everyday payments, made easier.

The 360Pay app is a secure digital consumer app that connects users to the full range of 360Pay services.

Store, Send & Receive Money: through your virtual wallet, linked to bank accounts, mobile wallet and cards
Peer-to-Peer Transfers: send funds to mobile wallets and bank accounts across Ghana
Bill Payments: GoTV, DStv, water bills, ECG, and more
Airtime & Data: top up on all supported networks
Travel Bookings: book and pay for flights
Merchant Payments: pay at 360Pay-enabled restaurants, hotels, shops, insurers, and more
Savings & Loans (Coming Soon): access partner-powered savings and micro-loan products
Insurance (Coming Soon): enroll in partner-provided micro-insurance products
Hotel Bookings (Coming Soon): make reservations for hotel bookings.
Receive Remittance: get international transfers directly into your virtual account or bank account
Bank-Grade Security: protected by biometrics, PIN, and continuous transaction monitoring

Store, Send & Receive Money

through your virtual wallet, linked to bank accounts, mobile wallet and cards

Retro phone displaying *3600# for 360Pay USSD

Buy airtime and data on supported networks

Pay GoTV, DStv, water bills, ECG, and more

Pay any registered 360Pay merchant

360Pay USSD: Dial *3600#

Payments from every phone.

Not every customer has a smartphone, and financial services should still work for everyone. Dial *3600# on any phone to reach the full 360Pay menu.

Buy airtime and data on supported networks
Pay GoTV, DStv, water bills, ECG, and more
Pay any registered 360Pay merchant
Send money to friends and family (Coming Soon)
Enroll in and pay for micro-insurance products (Coming Soon)
Access selected savings and loan services (Coming Soon)

True financial inclusion meets people on the phone they already own. Dial *3600# now !!!

360Pay Merchant Web App

A clear view of your business.

For growing businesses, clarity is everything. The 360Pay Merchant Web App gives finance and operations teams one place to manage every payment moment, with the controls and visibility they need to run confidently.

Collections: Logs of payments received .
Disbursements: Logs of outgoing payments .
Multi-Branch Control: manage users, branches, and permissions clearly
Live Reporting & Exports: real-time balances and audit-ready reports
Approvals & Workflows: finance controls on every disbursement
Role-Based Security: right access for the right people
Transaction Analytics (Coming Soon): turn transaction data into business insight

360Pay Merchant Mobile App (Coming Soon)

Run the business, wherever you are.

Mobile-first merchant experience with secure sign-in
At-a-glance transaction status: successful, pending, failed
On-the-go approvals: action items from anywhere
Real-time notifications the moment money moves

Channel Accessibility

Meet your customers where they are.

360Pay is built for multi-channel access, because financial inclusion means reaching every user, on the surface they already use.

360Pay Mobile App

Android and iOS

Web Portal

full merchant and business capabilities

USSD Short Code: *3600#

payments for every phone

API & SDK Integrations

for partners, banks, and fintechs

One ecosystem. Every point of access.

How It Works

From onboarding to first payment, in a few clear steps.

Sign Up

Configure

Choose your channels: QR, USSD, payment links, POS, or full API integration.

Go Live

Start accepting or making payments across the channels your customers already trust.

Grow

Monitor performance in real time and scale confidently, with our team beside you.

Move forward with 360Pay.

Self onboard as merchant

Talk to Sales →

Our Values

Innovation

We apply emerging technology to make everyday payments and financial services simpler.

Integrity

We do what's right for our customers, our partners, and the wider ecosystem.

Customer-centricity

Every product decision starts with the people who use it.

Collaboration

We build alongside our partners, banks, MNOs, insurers, and fintechs.

Speed

Fast onboarding. Fast payments. Fast support.

Social Responsibility

We help advance financial inclusion across Ghana and the region.