Ghana’s tech ecosystem is one of West Africa’s most dynamic—home to payments innovators, logistics operators, agritech pioneers, healthtech scale‑ups and digital commerce platforms that make it easier for people to work, earn and build. This SEO‑optimised report spotlights 20 standout Ghanaian startups creating real opportunities for Ghanaians. For each company, you’ll find a concise history, flagship products, notable achievements, and, where available, revenue or traction signals. The focus is practical impact: jobs created, MSMEs empowered, supply chains digitised and everyday services made cheaper, faster and safer.
1) Zeepay
History: Founded in Accra to connect mobile money wallets, cards and bank accounts across Africa with a core focus on Ghana.
Products & Services: Remittance collections into mobile money, merchant acquiring, cards, and cross‑border payout APIs.
Revenues/Traction: Processes significant volumes of remittances and wallet‑to‑wallet transfers in Ghana; strong year‑on‑year transaction growth.
Key Achievements: Expanded partner network across telcos and banks; multiple award wins for fintech innovation; growing agent and merchant footprint nationally.
How it creates opportunities: Puts digital payments and international remittances within reach for everyday users and small merchants, creating agent jobs and merchant income growth.
2) Hubtel
History: One of Ghana’s earliest fintech/commercial platforms; started with SMS and payments, evolved into a super‑app for everyday life.
Products & Services: Payment acceptance (POS, QR, online checkout), e‑commerce marketplace, food delivery and utilities payments.
Revenues/Traction: Large nationwide merchant base and growing GMV across payments and commerce.
Key Achievements: Recognised by regulators and industry bodies; expanded city coverage and merchant ecosystem; improved consumer app with delivery logistics.
How it creates opportunities: Thousands of SMEs can accept digital payments and sell online, while riders, couriers and customer‑support teams gain steady work.
3) expressPay
History: Home‑grown Ghanaian payments company built to make online and in‑app payments seamless for consumers and merchants.
Products & Services: Checkout APIs, bill pay, mobile money and card acceptance, digital invoices and ticketing.
Revenues/Traction: Sustained growth in processed payment value and recurring bill payments.
Key Achievements: Key integrations with banks, card schemes and telcos; strong reliability and developer tooling.
How it creates opportunities: Enables creators, nonprofits and SMEs to collect money easily—unlocking online sales and new income streams.
4) mPharma
History: Ghana‑founded healthtech scaling across Africa to make quality medicines affordable and available.
Products & Services: Mutti pharmacy network, inventory/benefits management for pharmacies, telehealth and home‑delivery.
Revenues/Traction: Recurring revenue from software/services and retail margins across partner pharmacies.
Key Achievements: Rolled out Mutti‑affiliated pharmacies and price‑stability programs; secured multi‑country partnerships with hospitals and pharmacy chains.
How it creates opportunities: Creates pharmacy, logistics and health‑operations jobs; lowers medicine costs for families and chronic‑care patients.
5) Farmerline
History: Started in Kumasi to digitise agribusiness support for smallholders.
Products & Services: Digital advisory, input financing, last‑mile distribution, produce traceability and data tools for agribusinesses.
Revenues/Traction: Strong seasonal revenue tied to inputs and services; multi‑year grants and commercial contracts.
Key Achievements: Scaled input distribution networks and partnerships with global food companies and NGOs; expanded climate‑smart advisory services.
How it creates opportunities: Improves yields and incomes for smallholder farmers; creates rural sales, agent and logistics roles across Ghana.
6) Jetstream Africa
History: Ghana‑built digital freight forwarder and trade finance platform simplifying cross‑border logistics for African shippers.
Products & Services: End‑to‑end shipment management, customs clearance, trade financing and visibility dashboards.
Revenues/Traction: Growing take‑rate on financed and managed shipments; expanding book of SME exporters.
Key Achievements: Closed notable equity/debt rounds; expanded shipping lanes and local operations across key ports.
How it creates opportunities: Helps exporters/importers move goods faster and access working capital—supporting manufacturing and agribusiness jobs.
7) Complete Farmer
History: Launched to make commercial farming accessible through tech‑enabled farm projects and market access.
Products & Services: Contract farming platform, farm management tools, buyer matching and export logistics support.
Revenues/Traction: Revenue from project management, produce sales and buyer services.
Key Achievements: Onboarded global buyers for crops from Ghanaian farms; built traceability and quality systems.
How it creates opportunities: Creates seasonal and permanent farm jobs; improves off‑take certainty and FX earnings for producers.
8) AgroCenta
History: Agritech founded to connect smallholder farmers directly to buyers and working capital.
Products & Services: Digital marketplace for grains, last‑mile aggregation, mobile payments and micro‑loans.
Revenues/Traction: Transaction revenues from commodity trade and embedded finance.
Key Achievements: Awards for social impact; partnerships with food processors and financial institutions.
How it creates opportunities: Raises farmer prices through fair off‑take; field agents, drivers and warehouse staff gain employment.
9) Float
History: Ghana‑founded spend‑management and credit platform helping businesses manage cash flow.
Products & Services: Corporate cards, expense control, invoice factoring, short‑term credit and bill‑pay automation.
Revenues/Traction: Interest and interchange revenues; expanding recurring SaaS fees.
Key Achievements: Launched across multiple African markets; integrations with accounting tools and bank partners.
How it creates opportunities: Keeps Ghanaian SMEs liquid so they can hire, restock and scale; creates fintech operations and risk roles.
10) Bitsika
History: A consumer‑first finance app founded by Ghanaians to move and spend money across borders.
Products & Services: P2P transfers, virtual cards, multi‑currency wallets and creator payout tools.
Revenues/Traction: Rising TPV from remittances, card spend and subscription features.
Key Achievements: Grew user communities across West Africa; partnerships for card issuance and compliance.
How it creates opportunities: Helps freelancers and creators get paid internationally; spawns community‑management and support jobs.
11) BezoMoney
History: Digital finance company formalising Ghana’s ‘susu’/group savings traditions for the mobile era.
Products & Services: BezoSusu group savings, micro‑credit, youth accounts and financial education tools.
Revenues/Traction: Interest margins on micro‑loans and wallet services; steady user growth.
Key Achievements: Secured regulatory approvals and partnerships; expanded youth financial inclusion programs.
How it creates opportunities: Unlocks credit histories and savings discipline for young people and traders; field agents and call‑centre roles grow.
12) Redbird
History: Healthtech making primary‑care diagnostics quick and affordable across community pharmacies.
Products & Services: Point‑of‑care tests (e.g., malaria, blood sugar), digital records and patient follow‑up tools for pharmacies.
Revenues/Traction: Recurring revenue via partner subscriptions and test volumes.
Key Achievements: Scaled pharmacy partnerships nationwide; published outcomes on faster diagnosis and adherence.
How it creates opportunities: Creates pharmacy tech roles, upskills staff and reduces clinic burden—keeping workers healthy and productive.
13) OZE (Oze)
History: SME fintech founded with deep Ghana presence to help small businesses keep records and access loans.
Products & Services: Mobile bookkeeping app, cash‑flow insights, invoice tools and loan connect features.
Revenues/Traction: Freemium → paid conversion and lender referral revenue.
Key Achievements: Reported strong retention with MSMEs; financing partners use OZE data for underwriting.
How it creates opportunities: Formalises microbusinesses so they can qualify for credit and hire; builds local sales and customer‑success teams.
14) meQasa
History: Ghana’s leading property marketplace connecting buyers, sellers and renters.
Products & Services: Listings, lead‑generation tools for agents, developer storefronts and market insights.
Revenues/Traction: Listing fees, ads and developer packages.
Key Achievements: High brand recognition; partnerships with developers and mortgage providers.
How it creates opportunities: Real estate agents, photographers, movers and renovators gain steady work through improved deal flow.
15) Swoove
History: Logistics startup built in Ghana to provide fast, affordable delivery for SMEs and e‑commerce sellers.
Products & Services: On‑demand and scheduled delivery, warehousing, rider app and merchant dashboard.
Revenues/Traction: Delivery fees and fulfilment subscriptions; rising order density.
Key Achievements: Expanded fleet and city coverage; partnerships with online stores and marketplaces.
How it creates opportunities: Creates courier and dispatch jobs and helps sellers fulfil nationwide—boosting online sales for local brands.
16) IT Consortium
History: A veteran Ghanaian fintech powering collections, disbursements and educational payments.
Products & Services: Enterprise payment rails, school fee collection systems, API integrations and wallet services.
Revenues/Traction: Stable enterprise revenues from transaction processing and SaaS.
Key Achievements: Recognised by banks, schools and government programmes; long track record of uptime and security.
How it creates opportunities: Digitises fees and social payments, cutting leakages and freeing resources for jobs and services.
17) Appruve (by Inclusive Innovations)
History: Ghana‑founded identity infrastructure company enabling compliant onboarding for African fintechs.
Products & Services: KYC/KYB APIs, document verification, AML screening and risk orchestration.
Revenues/Traction: Usage‑based API revenues with growing fintech client base.
Key Achievements: Deployed across multiple markets; integrations with bureaus and government data sources.
How it creates opportunities: Helps Ghanaian startups launch faster and hire safely by reducing fraud and onboarding friction.
18) mNotify
History: Communications platform helping businesses reach customers reliably.
Products & Services: Bulk SMS, voice messaging, email and mobile engagement dashboards.
Revenues/Traction: Recurring messaging volumes drive predictable revenue.
Key Achievements: Serving banks, schools, churches and SMEs with reliable delivery and analytics.
How it creates opportunities: Creates marketing and customer‑success roles; improves collections and sales for local businesses.
19) BlueSpace Africa
History: Ghana‑based fintech and payment processor providing secure transaction switching and card services.
Products & Services: Card issuing/processing, switching, POS acquiring and value‑added services.
Revenues/Traction: Enterprise processing fees and long‑term contracts.
Key Achievements: Built PCI‑DSS compliant infrastructure; partnerships with banks and fintechs region‑wide.
How it creates opportunities: Enables new card programmes and merchant acceptance—growing retail jobs and SME revenues.
20) Chipper Cash (Ghana Operations)
History: Pan‑African fintech co‑founded by a Ghanaian, with major operations and user adoption in Ghana.
Products & Services: Free/low‑cost P2P transfers, cross‑border payments, virtual cards and merchant tools.
Revenues/Traction: Large transaction volumes across P2P and card spend; multiple revenue lines from FX, interchange and value‑added services.
Key Achievements: Scaled to millions of users Africa‑wide; rolled out card and crypto features in select markets.
How it creates opportunities: Gives freelancers and families cheaper remittances and spending tools; adds local compliance, support and growth roles.
Why These 20 Matter for Ghana’s Inclusive Growth
Across payments, logistics, agritech, health and digital commerce, these startups are building the rails that let ordinary Ghanaians participate more fully in the economy. Agent networks and merchant tools help market sellers accept digital payments; agritech platforms raise farmer incomes; logistics startups unlock nationwide delivery; healthtech brings fast, affordable care closer to home; and SME finance tools keep small businesses liquid so they can hire. The spillover is obvious: more formal jobs, stronger local value chains and better services for households. As Ghana continues improving digital infrastructure and pro‑innovation regulation, expect these companies—and the thousands of Ghanaians working in and around them—to power the next decade of growth.
