Agency Banking

The service enables financial institutions to extend their network of branches and services in a co-efficient manner through authorized agents who are enabled to perform cash-in and cash-out transactions, mobile money transfers, balance enquires, account opening, etc. on behalf of the financial institution. The Agents perform these transactions using mobile handsets or devices.


a. Branchless banking enables the delivery of financial services outside the conventional bank branches.

b. Easy onboarding of customers. Customer registration is simple and convenient.

c. It acts as a connecting link between customers and financial institutions.

Baaba BlanksonProject Manager

Joined eTranzact Ghana Limited in 2018 as a Projects Officer.

She previously worked as a Credit Analyst for FBN Bank Ghana Limited and as an architectural designer for KraftHaus Ghana.

She holds a Bachelor's and Master's degree in architecture from Kwame Nkrumah University of Science and Technology.
She is currently the Project Manager at eTranzact Ghana, responsible for planning, organizing, and directing the implementation and completion of projects.

Belinda Owusu-NimakoClient Relationship Manager 

Belinda is in charge of creating and nurturing a long-term relationship with our customers. She leads her team to resolve any issues that arise to ensure customers are satisfied with the services of the company.  
Before joining eTranzact, Belinda worked at BusyInternet for six years, serving in various capacities including Sales Executive, Assistant Client Services Administrator, and ISP Clients Accounts Administrator. 

Belinda is an excellent communicator who’s able to grasp customer needs and brainstorm ways to fulfill them and has in-depth knowledge in the industry. Her goal is always to help Etranzact safeguard its revenue and retain its customers. Belinda spearheaded the setting up and operationalizing of the company's Client Services department, which comprises of Contact Centre and Customer Service Centre at eTranzact, and an offsite Contact Centre for some of our key partners to facilitate a quick resolution of their issues. 

Belinda holds a BSc degree in Administration (Accounting Option) from Central University and is currently pursuing a Master's degree in Public Relations Studies at GIMPA.

Charles WilberforceNetwork Infrastructure Admin

Elinam has certifications in ISO 27001:2013 (ISMS) Lead Auditor and ISO 27001:2013 (ISMS) Implementation, pursued Commonwealth Executive MBA (CEMBA) at KNUST, and holds a BSc. degree in Computer Engineering, KNUST. She also has Certifications in Cisco Certified Network Academy KACE-AITI, PCI DSS (Payment Card Industry- Data Security Standard), and Certified Information Security Auditor. KACE-AITI, General Data Protection Regulation (GDPR) Foundation-Application-Substance (FAS), GDPR Data protection officer, GDPR Certified Expert Practitioner (CEP). 

Being the Senior Manager, Risk and Compliance, and Data Protection Supervisor, she led her team to implement and got the company certified in ISO 27001:2013 in 2016. She has continuously improved the company’s Information Security Management Systems (ISMS) over the period and fulfilled all the yearly surveillance audits (external) successfully. She also continued to get the company recertified in August 2019, prior to the expiration of the certification obtained in 2016. 

She also handles all the second party (Supplier) audits on behalf of her company over the years besides Internal audits. Again, she manages AML CFT, Data protection and PCI DSS programs of the company. 
She has over thirteen (13) years of extensive experience and knowledge in WAN and LAN Networking, ATM Configuration, Database Management, Bank Integration, Interbank Settlement and Reconciliation, IT Operations, Project Management, Card management, Inter-bank Switching and transaction Management and Information Technology. 

She was part of the implementation team in the delivery of multi-tier solutions for financial services, telecommunications, technology and resource companies in Ghana.

Eric Benjamin QuarcooChief Operating Officer

Responsible for planning, organizing, and controlling all day-to-day operational activities of the company under the direction of the Chief Executive Officer.

He oversees the smooth administrative running of the company by ensuring that the right blend of human and other organizational resources are adequately available on a timely basis.
He also ensures that organizational activities are carried out safely and within the regulated framework of the industry regulator.

He has over 15 years of working experience ranging from the field of Academia and Telecommunications.
He started his career as an Accounting Teacher at Holy Child School in Cape Coast and he joined Ghana Telecom as Assistant Finance Manager in the International Accounts Section.

Eric also worked with Western Telesystems (Westel) now Airtel as a Commercial Analyst responsible for all commercial agreements and eventually became the Financial Accountant from 2004 to 2008.


Frederick Honu is the Finance Manager, principally responsible for planning, implementing and controlling all financial-related activities of eTranzact Ghana. He is entirely responsible for the company’s financial and infrastructure management, including building and monitoring operating and capital budgets, management of reserve funds, financial risk management, financial reporting and compliance.

Having a strong IT background and extensive experience in finance, auditing, and taxation he has overseen an improvement in the relevance and accuracy of financial reports, saved businesses huge amounts in taxes and have spearheaded initiatives to make business processes simple and effective.

Prior to his current job, he has worked with Accounting Associates (Chartered Accountants & Consultants) as Supervising Accountant leading several statutory audits and providing tax consultancy and business advisory.

He is a Chartered Accountant (ACCA, UK) and a member of ICA (GH). He is also a qualified tax practitioner (CITG) and holds BA. Economics with Computer Science degree from the University of Ghana. He is currently studying for his masters in Finance and Economics with West Texas A&M University (WTAMU), Texas.

He is a member of SEO Africa and has passion for teaching and leadership. He is resourceful, and serves as children ministry teacher developing children, teens, and the youth.

Fundgate(Value Added Service)

This enables institutions to deploy eTranzact’s key values such as airtime, mobile money services, data bundles, bill payments etc on their various electronic payment channels (Front - ends) such as web, USSD, mobile apps, ATM, POS, etc.


a. Customers transfer funds, purchase data bundles and airtime, bill payment on any existing e-payment platform (Front – ends)

b. Focus primarily on customer needs.          

c. Provides 24/7 customer support

George Oladiran BabafemiExecutive Director

George has been in the e-payment industry since 2005. He is the pioneer staff for the award-winning ETRANZACT Ghana Ltd, a leading electronic payment in Ghana with multiple applications and channels within the same platform.

His experiences span product developments, strategic management, process management, and re-engineering, marketing strategy formulation, system designs, and analysis, and various managerial roles in the company and IT generally. Before he assumed the role of the Executive Director of the company in 2005, he had served in various capacities as a programmer, database administrator, database modelling, and design in charge of various projects for private and public sectors.

Mr. Babafemi was involved in the design and implementation of the Expenditure Authorization System and the Automated Bank Reconciliation System for the Controller and Accountant General’s Department in Accra, Ghana. He was also involved in the implementation of the Automated Additional Duty Allowance System for the Ministry of Health in Accra, Ghana as well as various other IT-related initiatives in Ghana. His key strength is in people’s management, customers satisfaction and upholding business integrity at all levels, and encouraging others to do so. 

 Mr. Babafemi holds a Bachelor of Technology in Computer Science (Honours), as well as an EMBA from the prestigious China Europe International Business School, Accra Campus. 
He is married with 3 children. 

GH-Link Card/Prepaid Card Service

The service equips a financial institution to issue, for its own use for the benefit of other institutions, customized prepaid cards that work on all GH-link enabled ATMs in Ghana.   The service particularly supports an institution’s drive various prepaid card use cases; discount/loyalty cards, store cards, ID cards, etc.

John ApeaChief Executive Officer

Mr. John Apea is a well-respected professional with extensive experience across business, finance, politics, communications, technology, and diplomacy. Presently he is the Chief Executive Officer of eTranzact Ghana as well as the Head of Mission ( Ghana, Gambia, Sierra - Leone, and Cameroon) for the Commonwealth Enterprise and Investment Council, a body created by 54 Commonwealth Heads of Government to promote Trade and Investment in the Commonwealth.

Previously, Mr. Apea worked as the Senior Strategist to Data and Technology giants SCL Group and Cambridge Analytica and was Africa Regional Director for the Royal Commonwealth office. In this position, Mr. Apea had oversight across 19 African countries, and together with British High Commissions, planned all royal and Commonwealth-related events and promoted business opportunities within the African region.

Mr. Apea sits on many boards and is presently Chair for Interstandard Group, a trusted interlocutor for many world leaders, and the first port of call for several foreign governments, global businesses and CEOs on business and political matters pertaining to Africa. He is a product of the Presbyterian Boys Secondary School in Accra, Ghana, and holds graduate and postgraduate qualifications from the University of Oxford, the University of Cambridge and the University of York, in the United Kingdom. Mr. Apea is a Fellow of the Royal Society of Arts( U.K.) and a Member of the Institute of Directors ( U.K.).

Joshua Fafa HavorDatabase Administrator

 Joshua manages the Database infrastructure of ETRANZACT Ghana with over 11 years of robust experience in Database Technologies, Electronic payments, Network Support, Systems Administration, Development Operations, as well as Banking payments Ops. Joshua has had a successful career with ETRANZACT Ghana due to his profound knowledge in Database Security & User Management, managing Backups and successful Recoveries, Database Design, Migrations, and Upgrades.  

Joshua holds a Bachelor of Education Degree in Mathematics, he is a Microsoft Certified Solutions Associate, and an experienced Project Manager. He has successfully managed multiple client priorities and projects, by establishing agreed service levels, rapid troubleshooting and providing technical solutions to database challenges. His drive for Customer Satisfaction while upholding Business Integrity sets him apart in his field.  

He is happily married and blessed with 2 children. 


Your financial transactions can be made easier with JustPay *389#. All you need is a mobile money wallet irrespective of the network and a mobile phone device.

There are no monthly subscriptions or registration fee. No need to have a bank account to use it. All you need is to dial *389#.  


01.  Allows users to transfer from your Gh-Link prepaid card, mobile wallets, bank accounts and vice versa irrespective of the network

02.  Enables you top-up airtime instantly on any mobile network

03.  Individuals can purchase their daily, weekly, monthly internet packages from any preferred service provider

04.  TV bills can easily be paid using JustPay

05.  Allow individuals to conveniently pay their utility bills and postpaid services from the comfort of their homes

06.  Check your balance, change pin and view Mini statement on your MOMO/ Gh-Link card

Provides 24/7 customer support

Marilyn Asare BediakoHuman Resource Manager

Marilyn Asare Bediako is a seasoned HR business executive who has more than 14years of experience in the field.

She has extensive international and local experience including a broad knowledge of human resources, working for multinational companies, and utilizing successful HR strategies to meet business objectives.

Her work experience spans Africa and Europe in industries like Telecom, Construction, and FMCG.

Marilyn's capabilities have generated significant enhancements to operating at a strategic and operational level in talent acquisition, talent management, reward, performance management, employee engagement, and retention, as well as succession planning.

She is more passionate about continuous people development and has built expert HR functions with strong business partnering skills.

She has, in the past, established organizations as employers of choice, created people strategies with powerful employee value propositions that drove business growth and performance.

Marilyn has Bachelor's degree in Arts from the University of Ghana and MSc Human Resource Management from the University of Manchester.

Mass Payment(CorporatePay)

The service is especially useful to organizations who frequently engage in mass or bulk transfers to beneficiary account, Gh-link cards, or mobile money wallets. The service enables such organizations to achieve faster and easier payment to customers by automating their payment process.


•          Security

All transactions on the eTranzact platform are fully encrypted and operate in an impregnable, closed virtual private network. The in-built role-based access control ensures that no unauthorized person has access to any information within the entire eTranzact platform. (Full security policies on eTranzact platform can be made available on request)

•          Convenience

It provides maximum convenience to Accountants as well as relevant personnel directly involved in payroll administration as it employs an automated system for the management of salaries, trade credits, discounts, bonuses, commissions, etc. without any human intervention.

•          Time and Cost Savings

a.        The current and relatively expensive manual and paper-based payment system will be eliminated, and resources tied down redeployed for more productive activities

b.        The cost associated with physical cash handling during payments are fully eliminated

•          Risk Reduction

Where physical cash handling is operational, the inherent risk associated with it is significantly reduced if not eliminated.


Businesses are enabled to electronically receive payment of goods and services purchased, by dialing a short code (i.e., At Unstructured Supplementary Service Data) or by scanning the QR (Quick Response) code and entering a merchant ID. This allows customers to transfer funds from their bank accounts or mobile money wallets. Funds are instantly settled into the bank accounts of the businesses.


a. Fast processing speed.

b. Multiple payment option

c. Increase sales of businesses.

d. Funds management

e. Customer convenience

Mobile Banking Service

This service enables customers of financial institutions to check their account balances, mini statements, and transfer funds to other accounts within the institution or to bank accounts outside the institution. It also allows the financial institutions to deploy value-added services like Bill payment, Mobile Airtime & Data bundles, etc



a.    Giving customers 24/7 access to banks and tailored options.

b. Strengthening security

c. Optimizing your money

d. Customer service options

e. Digital payments

f. SMS alerts and notification

g. Secure sign in request form.

Mobile Money Transfer Services

The service enables businesses to seamlessly transfer funds to the mobile money wallets of customers and receive funds from the same medium via their various mobile money wallets.



Users can instantaneously receive, transfer, and spend money. Mobile money accounts are always at hand because they are hosted on users’ phones, and they may be able to be utilized everywhere.


 The mobile money transfer service gives clients the opportunity to create a secret pin that helps them protect their account from fraudulent activities.

Paul OtuCards & Mobile Infrastructure Manager
Sarah RaphaelOperations Manager

With over 9 years of work experience in Operations and Technical support, Sarah started off working as a customer service personnel in the call center dept then proceeded to work as a technical support officer where she was promoted to the position of a team leader in the operations/Technical dept.

She has gained experience over the years has provided efficient and effective second-level support for customers, monitored the performance of systems, services, notes trends, and initiates action when necessary.

Ms. Raphael expert in identifying, analyzing, and resolving/troubleshot job scheduling problems and escalating when necessary to ensure an efficient resolution.

Sarah coordinates planned and unplanned applications administration activities with business units to minimize or reduce the impact on business processes.

Her objective is to serve in an organization that enables her to explore, learn and broaden her expertise as well as apply her knowledge and versatile skills.

She holds a BSC in Information Technology at Methodist University Ghana and a Master’s in Management Information Systems at Coventry University UK.

Seth Kusi SebehTechnology Manager
Sylvia Laryea KwameSnr Manager, Revenue Assurance

Mrs. Sylvia Laryea Kwame has 13 years of experience in Accounting and finance.   
Her work prior experience encompasses roles in Ghana Journalist Association as Account Officer, and currently heading the Settlement and Reconciliation Unit. She has chaired and a member of several committees in recent times (support, project, and change management committees). 

Over the years, she has garnered vast experience, having handled and continue to involve in settling and reconciling interbank and e-money transactions, operational processes, and system audits for new integrations. She manages and assesses new Merchants' profiles to ensure that all charges/fees due are set up properly. 
She holds a Master’s in Accounting and Finance at the University of Professional Studies Accra (UPSA) 
She is married with 3 boys. 

Transaction Alert Notification Service

This notification service enables subscribers to receive simple SMS or confirmation messages on their mobile phones whenever there is a credit or debit to their account.


a. Offers security control.

b. Tracking transaction speed.

c. For identifying fraudulent charges.

b. Deposit/Withdrawal transaction alert SMS.

USSD(Unstructured Supplementary Service Data)

The service enables eTranzact as a Value-Added Service (VAS) provider to host, aggregate, route and generally manage an institution’s USSD short code and USSD menu flow in an efficient manner to ensure optimum uptime for the institution and its USSD short code users.


This service allows mobile banking transactions with a basic feature phone; there is no need for a mobile internet connection to use USSD-based mobile banking.

Web Payment(Internet Payment Service)

This eTranzact service serves as an online payment gateway enabling businesses and other entities to accept Visa, Mastercard, and mobile money payments from customers through their websites or online portals.


a.    Real-time receipt of payments

b.    Real-time debiting of customers account after payments are authorized

c.    Highly secured platform since first time users receive an One Time Password (OTP) to confirm they are the actual users of the cards

d.    Initiator of transactions are always the authorizers due to its security features

e.    Consolidated report to back all payments that have been completed on the merchant’s platform.