How Ghana pays
- MTN MoMo
- Telecel Cash
- AirtelTigo Money
- Cards
- Vouchers
Mobile money is the default here, so billing has to be too
Ghana moved to mobile money faster and more completely than almost any market on the continent. Customers do not ask whether they can pay by phone; they assume it, and they assume the thing they bought starts immediately.
XenFi treats all three networks as equals. MTN MoMo is the biggest wallet and gets no special treatment for it, because a Telecel or AirtelTigo customer standing under your hotspot is a sale you should not lose to a rail you did not bother to support.
Behind that sits the whole operation: hourly bundles and day passes for walk-in trade, monthly PPPoE packages for homes and offices, printed QR vouchers and agent codes for the cash side, and one dashboard showing every router and every cedi.
Three networks, one price list
Selling WiFi in Ghana the usual way
On XenFi
Supporting one wallet and turning away the rest
All three wallets buy the same plans, instantly
Reading MoMo alerts and sending codes back
Sessions open themselves when payment confirms
Three statements to reconcile against one day
One ledger, whichever rail the money came in on
Guessing at margins on a busy weekend
Sales by site, plan and agent as they happen
From router to first cedi
Existing setups survive.
- 01
Create your account
Free to open, nothing to install.
- 02
Connect your router
MikroTik, UniFi, Omada or Ruijie, pointed at XenFi's cloud. Existing setups survive.
- 03
Price plans in cedis
Hourly bundles, day passes and monthly PPPoE packages, with your margins built in.
- 04
Open every rail at once
MoMo, Telecel Cash, AirtelTigo and cards all sell the same plans into the same ledger.
What comes with it
MTN MoMo
The biggest wallet in Ghana, wired straight into your plans. A customer pays from their phone and their session opens on its own.
Telecel Cash
Telecel customers pay the way they already do. No special flow, no second-class rail: same instant activation.
AirtelTigo Money
The third network is not an afterthought. AirtelTigo wallets buy the same bundles at the same speed.
Cards and vouchers
Bank cards for the monthly clients, printed QR vouchers and agent SMS codes for everyone who prefers cash.
Hotspot and PPPoE
Street bundles and monthly home subscribers billed together, priced in cedis.
Any router brand
MikroTik, UniFi, Omada, Ruijie and any RADIUS-capable gear on one cloud core.
Who runs on XenFi in Ghana
Accra, Kumasi and everywhere the fibre has not reached.
Community hotspots
Paid WiFi in neighbourhoods where every customer is on a different network.
- All three wallets against one price list
- Hourly and daily bundles in cedis
- Instant activation with no counter staff
Hostels, schools and offices
Monthly connections with a speed, a cap and a renewal that looks after itself.
- PPPoE plans with caps and expiry
- Automatic renewals over MoMo
- Per-user usage on request
Regional WISPs
Several towns and an agent network selling on your behalf.
- One dashboard for every router
- Agent sales attributed live
- Router health flagged before complaints
XenFi works anywhere in Ghana with an internet uplink, including Accra, Kumasi, Tamale, Takoradi, Cape Coast, Sunyani and Ho.
3% of every sale
What XenFi costs in Ghana
3% of a sale, on every wallet. No monthly fee, no setup fee.
The rate does not change per network, so an AirtelTigo customer costs you exactly what an MTN customer does.
Check it on the fees calculatorSell a 5 GHS daily bundle
- Customer pays
- GHS 5
- XenFi takes
- GHS 0.15
- You keep
- GHS 4.85
Tua wɔ MoMo so. Intanɛt no yɛ adwuma.
Pay with MoMo. The internet just works.
Questions operators ask
Which mobile money wallets work with XenFi in Ghana?
MTN MoMo, Telecel Cash and AirtelTigo Money all buy the same bundles with the same instant activation, alongside bank cards.
How much does XenFi cost in Ghana?
3% of every sale, with no monthly fee and no setup fee. The rate is identical across mobile money, printed vouchers and agent app sales.
Do I need my own MoMo merchant integration?
No. Collection is handled by XenFi, so there is nothing to apply for and no developer needed before your first sale.
Can I keep my existing MikroTik setup?
Yes. MikroTik, UniFi, Omada and Ruijie are supported directly, and any RADIUS-capable router can connect to the same cloud core.
Can I sell monthly packages as well as day passes?
Yes. PPPoE subscriptions with speeds, caps and expiry run beside hotspot bundles, with renewals collected automatically.
How do I sell to customers paying cash?
Printed QR voucher batches and agent SMS codes cover the cash trade, and every voucher is traceable back to whoever sold it.