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Created Date: 9/29/2009 9:22:49 AM
Country: Ghana
Focus: Electronic and Mobile Government
Status: In use
License: Proprietary
Product Type: Software - Mobile
Target Users: txtNpay is aimed at both banked and unbanked mobile phone customers.
Developer Name: Afric Xpress (AX)
Product Url:
System Requirements: txtNpay works with any mobile phone and mobile operator.
Description: txtNpay is a mobile phone-based secured payment system aimed at both banked and unbanked mobile phone customers. TxtNpay enables its users to send money to anyone with a mobile phone, pay bills, buy pre-paid airtime, check their bank balance, and purchase goods and services. Customers need to get a txtNpay wallet before they can send money. The txtNpay wallet is an electronic stored value account.

Customers can open a txtNpay wallet via the website or at an approved partner location identifiable by the txtnpay partner logo. Wallets can be funded by buying txtNpay electronic cash at an approved partner outlet or making a transfer from their bank account. Customers pay a one-time registration fee when they open the wallet. All charges after this will only apply for the services they use.

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