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Data Privacy Statement

ETRANZACT Ghana is a global organization, with legal entities, business processes, management structures, and technical systems that cross borders. This Privacy Statement applies to all ETRANZACT Ghana-owned websites and domains, except that a privacy policy or statement posted on ETRANZACT websites specific to a particular ETRANZACT program or service will apply instead of this Privacy Statement. Links to non-ETRANZACT websites from The ETRANZACT website may provide links to third-party websites for your convenience and information. If you access those links, you will leave the ETRANZACT website. ETRANZACT does not control those sites or their privacy practices, which may differ from ETRANZACT ‘s practices. We do not endorse or make any representations about third-party websites. The personal data you choose to provide to or that is collected by these third parties is not covered by the ETRANZACT Privacy Statement. We encourage you to review the privacy policy of any company before submitting your personal information.

Collection of Personal Information

To serve you better and understand your needs and interests, ETRANZACT collects, exports, and uses personal information with adequate notice and consent, along with required filings with data protection authorities, when applicable. For example, when you order products or services, apply for instant credit, request information, subscribe to marketing or support materials, register yourself or your ETRANZACT products, enter contests or participate in surveys, or apply for a job at ETRANZACT, we will ask you to provide personal information to complete these transactions. The types of personal information you provide to us on these pages may include contact information such as your name, address, telephone number, and email address; your card number; and other unique information such as user IDs and passwords, billing and transaction information, product and service preferences, contact preferences, educational and employment background, and job interest data. If you choose to use a tell-a-friend program on our site, we will ask you for your friend’s e-mail address and automatically send your friend a one-time e-mail inviting your friend to visit the site. ETRANZACT uses and stores this information only for the purpose of sending this one-time e-mail and to provide tell-a-friend message blocking, where available. In addition to the information you provide, ETRANZACT may also collect information during your visit to an ETRANZACT website through our Automatic Data Collection Tools, which include Web beacons, cookies, embedded Web links, and other commonly used information-gathering tools. These tools collect certain standard information that your browser sends to our website such as your browser type and language, access times, and the address of the website from which you arrived at an ETRANZACT website. They may also collect information about your Internet Protocol (IP) address, clickstream behavior (i.e. the pages you view, the links you click, and other actions you take in connection with ETRANZACT websites) and product information. An IP address is a number that is automatically assigned to your computer whenever you are surfing the Web, allowing Web servers to locate and identify your computer. Computers use IP addresses to communicate on the Internet, allowing users to browse and shop. ETRANZACT may also use some of these Automatic Data Collection Tools in connection with certain emails sent from ETRANZACT and therefore may collect information using these tools when you open the email or click on a link contained in the email.

How we use your Personal Information

The information ETRANZACT collects to understand your needs and interests helps ETRANZACT deliver a consistent and personalized experience. For example, ETRANZACT may use your information to assist you in completing a transaction or order; prevent and detect fraud or other malicious activity; communicate with you about products and services; provide service and support; update you on new services and benefits; provide personalized promotional offers; select content to be communicated to you; personalize some ETRANZACT websites; allow you to participate in contests and surveys; and contact you for market research regarding ETRANZACT products or services. The testimonials posted on our Web site are only posted with the expressed permission of the individual or company who provided that testimonial. Card information is used only for payment processing and card activation.

How we share your Information

ETRANZACT will not sell, rent or lease your personal information to others except as described in this Statement. ETRANZACT shares personal information in the following ways: ETRANZACT retains service providers and suppliers to deliver complete products, services and customer solutions and to assist ETRANZACT with marketing and communication initiatives. These providers and suppliers include, for example, credit card processors, providers of customer support and live-help, email service providers, automated data processors, and shipping agents. Suppliers and service providers are required by contract to keep confidential the information received on behalf of ETRANZACT and may not use it for any purpose other than to carry out the services they are performing for ETRANZACT. From`time`to time, ETRANZACT participates in marketing initiatives with other companies. As part of these initiatives, certain ETRANZACT services and marketing communications are delivered at the same`time`as those from other companies. Some of these services and communications offer you the`option`to share personal information with both ETRANZACT and the other companies participating in these initiatives. For example, you may receive marketing communications from ETRANZACT and other companies or have the opportunity to register online for software products from multiple companies. If you choose to provide personal information only to ETRANZACT, ETRANZACT will not share this information with the other companies participating in that marketing initiative. If you choose to provide personal information to the other companies, that personal information will be handled according to the privacy policy of those companies. ETRANZACT will require the export of your personal information to other ETRANZACT-owned business entities in the US and Worldwide in accordance with this Statement to satisfy your request. Such export is a requirement of providing the information to ETRANZACT. Except as described in this Statement, ETRANZACT will not share the personal information you provide to ETRANZACT with non-ETRANZACT third parties without your permission, unless to: (i) respond to duly authorized information requests of police and governmental authorities; (ii) comply with any law, regulation, subpoena, or court order; (iii) help prevent fraud or to enforce or protect the rights and properties of ETRANZACT or its subsidiaries; or (iv) protect the personal safety of ETRANZACT employees and third parties on ETRANZACT property. Circumstances may arise where, whether for strategic or other business reasons, ETRANZACT decides to sell, buy, merge or otherwise reorganize businesses in some countries. Such a transaction may involve the disclosure of personal information to prospective or actual purchasers, or the receipt of it from sellers. It is ETRANZACT’s practice to seek appropriate protection for information in these types of transactions.

Children’s Privacy

ETRANZACT does not knowingly collect information from children under the age of 13 and does not target its websites to children under 13. We encourage parents and guardians to take an active role in their children’s online activities and interests. ect to any such changes, your sole recourse shall be to cease using the eTranzact Websites. Continued use of the eTranzact Websites following notice of any such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes. Certain provisions of these Terms may be superseded by expressly-designated legal notices or terms located on particular pages of the eTranzact Websites and, in such circumstances, the expressly-designated legal notice or term shall be deemed to be incorporated into these Terms and to supersede the provision(s) of these Terms that are designated as being superseded


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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.